According to the regulations of Shanghai Housing Authority, foreigners who have held residence permits for more than three years can buy a second suite, and before that, these residents were the targets of the second suite purchase restriction. The Shanghai Housing Authority explained that the concept of Shanghai household registration refers to families with permanent residence in Shanghai, including families with permanent residence permits in Shanghai for more than three consecutive years. At that time, although the Shanghai Housing Authority said that this operation method had already been implemented, many developers and intermediaries in Shanghai expressed their incomprehension when interviewed by this reporter, and the purchase restriction documents issued by Shanghai last year were not clear.
Shanghai registered families refer to families with permanent residence in Shanghai and families with collective residence of employees in Shanghai. The analysis believes that this is a response to the recent "three-year long-term residence permit can buy two suites". The website of Shanghai Housing Security and Housing Administration also released news. Liu Haisheng, director of Shanghai Housing Authority, reiterated that Shanghai's sales restriction policy has not changed, and it has been strictly implemented. "The policy will not change, the intensity will not be relaxed, and investment in speculative housing will be curbed." According to industry sources, it has been confirmed from Shanghai Jiading and other district and county real estate trading centers that foreign household registration personnel who have held residence permits for three years cannot buy second suites. According to the relevant policies of Shanghai, if the foreign registered population has paid personal income tax or urban social insurance for more than 1 year within 2 years before the purchase date, the purchase of 1 suite will be restricted.
Statistics from Beijing Zhongyuan show that since the second half of 20 1 1, Beijing, Shanghai, Hangzhou, Chongqing, Chengdu, Xiamen, Wuhan, Hefei, Nanjing, Changzhou, Jilin, Zhongshan, Changchun, Wuhu, Conghua, Guangzhou, Maanshan and other cities have introduced fine-tuning policies on the property market from different angles, and the fine-tuning contents of the policies involve purchase restriction and purchase restriction.
"The fine-tuning of the above cities can basically be divided into two categories: one is the loosening policies of cities such as Wuhu, Foshan and Chengdu, which ran aground a few days after the policy was introduced; One is to ensure that you just need to buy a house, such as Beijing, Tianjin and Shanghai. These adjustments have been maintained. " Some insiders analyzed. He said that it is not difficult to see the clue that the tone of strict regulation will not change, but it will ensure the just needs of ordinary people.
2. What are the rules for buying a second suite in Shanghai?
1. Conditions for Shanghai household registration to buy a second suite: 1. Shanghai household registration needs to get married to buy a second house. 2. At the same time, Shanghai registered couples can buy two houses if they live with their parents for no more than two sets (including two sets) before 201165438+1October 30. 3. Shanghai single household registration, with a house under his name, can't buy a house. Before 20 1 10 and 10, only 1 set will be bought if there is no house under the sole name of Shanghai household registration and parents own more than 2 houses. Second, the advantages and disadvantages of buying a house in Shanghai Shanghai is a city with an inch of land and gold. If you want to buy a house in Shanghai, it is generally difficult to achieve. In fact, whether the house in the suburbs of Shanghai is worth buying is related to the personal economic level and the purpose of buying a house. If you have enough purchasing power, you'd better buy it in or near the city. Whether it is self-occupation or investment, urban housing prices are guaranteed. If you want to buy a suburban home, you can consider a more remote location according to your personal situation. In contrast, the price will be more cost-effective, and you can buy a larger community, which is more comfortable for later living. Many people worry that they will regret living in Shanghai. In fact, settling in Shanghai has many advantages, especially for the convenience of future life and work. Shanghai is an inch of land and gold. If foreigners don't have a Shanghai hukou, it is impossible to buy a house in Shanghai. It costs a lot of money, and Shanghai real estate purchase restriction can make you crazy in an instant. But having a Shanghai hukou is different. Buying a house can be done in minutes. Three. Shanghai 1 What are the criteria for the identification of the second house? It was learned from the Ministry of Housing and Urban-Rural Development that the Ministry of Housing and Urban-Rural Development, the Central Bank and the China Banking Regulatory Commission recently jointly issued a notice on standardizing the criteria for determining the second set of housing in commercial personal housing loans, and clarified the criteria for determining the second set of housing in commercial personal housing loans. The number of residential units in commercial individual housing loans should be determined according to the number of complete housing units actually owned by family members (including borrowers, spouses and minor children) who intend to purchase houses. 2. Upon the application or authorization of the borrower, the real estate departments of municipalities directly under the central government, cities with separate plans, provincial capitals and other cities with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results. If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. 3. The lender will implement the second set of differentiated housing credit policies for the borrower according to the following three situations: the borrower applies for using the loan to buy a house for the first time, and his family has registered more than one complete house in the housing registration information system (including the pre-sale contract registration and filing system) where the house is to be purchased; The borrower has used the loan to purchase more than 1 house (inclusive) and applied for a loan to purchase the house; The lender is convinced that the borrower's family already owns a house (or more) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary). 4. For non-local residents who can provide local tax payment certificates or social insurance payment certificates 1 year or more, the lender will implement differentiated housing credit policies according to the above three situations. Legal basis: Notice III of the Ministry of Housing and Urban-Rural Development, the People's Bank of China and the China Banking Regulatory Commission on Standardizing the Second Set of Housing Identification Standards in Commercial Personal Housing Loans. Under any of the following circumstances, the lender shall implement the second (or above) differentiated housing credit policy for the borrower: (1) The borrower applies for the first time to purchase a house with a loan, and his family has been registered in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the house is to be purchased. (two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing; (3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).
3. What are the rules for buying a second suite in Shanghai?
Legal analysis: the open sea is restricted, and the party concerned already has 1 apartment in Shanghai, which is not a local hukou.
Legal basis: People's Republic of China (PRC) City Real Estate Management Law.
Article 1 This Law is formulated with a view to strengthening the management of urban real estate, maintaining the order of the real estate market, safeguarding the legitimate rights and interests of real estate owners and promoting the healthy development of the real estate industry.
Article 2 Real estate development and management within the scope of the right to use state-owned land (below the land for real estate development) within the urban planning area of People's Republic of China (PRC) shall abide by this Law.