Housing includes newly built commercial housing and second-hand housing, the same below.

(1) Quantity

1. Guangzhou registered household households are limited to purchase 2 units;

2. Guangzhou registered adult singles (including divorced) are limited to purchase 1 unit Set;

3. Non-Guangzhou registered residents have paid personal income tax or social security for 5 consecutive years (calculated from the date of purchase, and supplementary payments are not counted), and are limited to purchasing 1 set;

4. Non-Guangzhou registered households are limited to purchasing (including receiving gifts) one house in Conghua and Zengcheng Districts;

5. House purchases by overseas institutions and individuals shall be carried out in accordance with current relevant policies;

(2) Transfer/Gift

1. Residents who purchase new housing from March 30, 2017 must obtain a real estate certificate for 2 years before they can transfer or go through the property separation procedures;

2 , enterprises, institutions, social organizations and other legal entities starting from March 30, 2017, new houses must obtain a real estate certificate for 3 years before they can be transferred;

3. If the house is donated to others, it must be 2 years before it can be transferred. You can buy a house again;

4. Those who accept house donations must comply with Guangzhou’s current purchase restriction policy.

(3) Apartments

Starting from December 20, 2018, individual residents can purchase apartments whose land was transferred before March 30, 2017, and it will take 2 years to obtain the real estate certificate. Can be transferred again;

Commercial and service real estate projects whose land is transferred after March 30, 2017 will still be implemented in accordance with the original policy (i.e., the 330 New Deal).

3. Loan restrictions

(1) Down payment

1. Those who have no house or loan in Guangzhou: the minimum down payment is 30%;

2. For those who have no house in Guangzhou and have a loan record: the minimum down payment for commercial houses is 40%, and the minimum down payment for apartments is 70%;

3. For those who have a house in Guangzhou and have no loan record/the first home loan has been paid off For those who own a commercial house: the minimum down payment is 50%;

4. For those who own a house in Guangzhou but have not yet paid off their first home: the minimum down payment for a commercial house is 70%; 5. For those who own a house in Guangzhou: the down payment for an apartment Minimum 70%.

(2) Differentiated Housing Credit Policies

1. For applicants for housing loans within one year of divorce, banking financial institutions will apply to households owning one house in Guangzhou. Execution of credit policies;

2. For borrowers who are adults, unemployed, have no fixed income and whose repayment funds come from other repayers, banking financial institutions will follow the rules of household The credit policy for owners of 1 house in Guangzhou is implemented;

3. Employees with Guangzhou household registration have paid in full for more than 1 year continuously, and employees without Guangzhou household registration have paid in full for more than 2 years before they can apply. Housing provident fund loan.

(3) No loans for down payments

Commercial banks, small loan institutions, Internet financial institutions, trust investment companies and other financial business operators are not allowed to issue loans for down payments of house purchases. Or grant loans in disguised form.

IV. Commercial and service real estate projects

1. Commercial and service projects shall not be changed to residential use without approval.

2. The minimum unit building area for the planning and construction of commercial and service projects and the application for real estate certificates shall not be less than 300 square meters.

3. First-hand commercial and service properties can only be sold to legal entities for commercial and office use, and can only be sold to legal entities when transferred again.

Warm reminder: Search the public account Guangzhou Local Treasure on WeChat, follow it and reply to the purchase restriction in the dialog box, and you can get Guangzhou’s current purchase restriction + loan restriction policy, second-hand housing guide price, property market regulation policy, and each district’s talent purchase policy and incentives. .