Chongqing’s latest house purchase policy in 2022

Chongqing’s household registration and non-local household registration conditions for buying a house

This city’s household registration:

1. House: If you have no house or loan in Chongqing, the down payment ratio shall not be less than 20%;

2. Second house: If you own a house in Chongqing (regardless of whether the loan is paid off or not), the down payment ratio of the second house shall not be less than 20%. Less than 40%;

3. Three or more houses: Own three or more houses in Chongqing, fully paid;

4. Apartments and shops: Apartments and shops (40 years Property rights) The down payment is always 50%, and commercial loans are only available with a maximum loan period of 10 years.

Non-local household registration:

1. Foreigners who want to buy a house with a loan should provide proof of local tax payment or social insurance payment for more than one year. If it is the full payment, there is no need to provide other proof.

2. If non-Chongqing residents cannot provide relevant certificates (tax certificate name or social insurance payment certificate), commercial banks will suspend the issuance of housing loans. Not all the procedures are required to count as a second home. Banks require not only proof of tax payment and proof of social insurance payment, but also proof of income and repayment ability for a house purchased with a loan in another place.

Chongqing’s policies for people with three no’s to buy houses in Chongqing: (Three no’s: no household registration, no business, no job)

1. Chongqing has canceled the purchase restriction for people with three no’s. In fact, Chongqing has At present, there are no purchase restrictions for people with the "Three Nos", and they can still buy whatever they want for the full price, but there are other restrictive policies;

2. From June 28, 2020, Chongqing has officially introduced a policy for "Three Nos" personnel from other places. “Mortgage restriction policy. That is to say, banks are not allowed to issue personal housing mortgage loans to people who cannot provide the "Chongqing Municipal Taxation Certificate" or "Social Security Certificate" for more than one consecutive year, and they must pay at least 0.5% of the property tax every year. ;

3. If you belong to the "Three Unemployed Persons" from other places, you cannot get a mortgage loan when buying a house in Chongqing, and you can only buy a house in full. However, if you are buying a commercial property such as an apartment, shop, office building, etc., Some buildings can support the three nos and apply for loans normally.

How to determine whether it is a household registration in this city?

1. The family members of the home buyer are the home buyer himself, his spouse and minor children. If one of the house purchaser's family members has a household registration in this city, it will be regarded as a household registered in this city.

2. If the home buyer holds a collective household registration in this city, the location of the issuing authority recorded on his or her ID card (excluding temporary ID card) will be used as the basis for judging whether the house has a household registration in this city.

3. House buyers who hold a military officer’s card, a soldier’s card, or a police officer’s card (excluding local public security agency staff) will, in principle, be regarded as residents of this city.

Chongqing currently does not have a purchase restriction policy, but the sale of houses in Chongqing is restricted. The specific regulations are as follows:

1. Starting from September 23, 2017, all houses within the main urban area ( Newly purchased commercial housing and second-hand housing in Yuzhong District, Jiangbei District, Shapingba District, Jiulongpo District, Dadukou District, Nan'an District, Beibei District, Yubei District, Banan District, Liangjiang New District) must obtain a "Real Estate Certificate" It can only be listed for trading after two years.

2. The identification time for newly purchased commercial housing is based on the time when the commercial housing sales contract is signed online. The identification time for newly purchased second-hand housing is based on the time when the property rights registration acceptance notice is obtained.

Chongqing’s latest mortgage policy

Commercial loans

The loan market quoted interest rate (LPR) on January 20, 2021 is: 1-year LPR is 3.85%, The LPR over 5 years is 4.65%. The above LPR is valid until the next LPR is issued. This is the 9th consecutive month that LPR has not changed since May 2020.

The current loan interest rates of major banks in Chongqing are as follows, which can be used as a rough reference.

Provide Fund Loan Conditions

Provident Fund loans can be applied for purchasing first homes in the main urban areas of Chongqing, and provident fund loans can be applied for first and second homes purchased in outer suburban counties.

1. The provident fund must be paid and deposited at the Chongqing Provident Fund Center;

2. Borrowers with Chongqing household registration must pay continuously for more than six months, and borrowers with non-local household registration must pay continuously. Deposit for more than one year; 3. The age of the property purchased does not exceed 20 years, and the structure of the property purchased cannot be a mixed or brick-timber structure;

4. Loans from provident funds that have been used are not accepted and are not Application to pay off the arrears;

5. Application for provident fund is only allowed 3 months after the last provident fund settlement;

6. The loan period plus the age of the borrower, female, cannot exceed 55 years old , male 60 years old, can be extended for 5 years if the unit provides a certificate;

7. The provident fund loan targets are those who have paid the provident fund on time and in full for 6 months (inclusive) and above before applying for the loan (including off-site deposits) Employees with registered residence in the city or outside the city) who buy their own houses in the cities and towns of our city and have full capacity for civil conduct

It should be noted that: you can apply for a provident fund loan when buying your first house in the main urban area of ??Chongqing. Provident fund loans can be applied for purchasing first and second homes in suburban counties.

Any of the following situations are considered as non-first-time housing:

1. After querying the provident fund center system, the employee’s family has one or more provident fund loan records (regardless of whether it has been paid off or not) ).

2. According to the People's Bank of China's credit information system, the employee's family has one or more loans to purchase a house (regardless of whether it has been paid off).

3. After inquiry by our city’s real estate registration and management agency, the employee’s family already owns one or more houses.

How to apply for provident fund purchase in another place?

Application location: Those who apply to purchase first-hand housing can directly submit the materials to the developer for processing. To apply for the purchase of second-hand houses, you need to go to the processing branches of Industrial and Commercial Bank of China and Bank of Communications.

Application procedure: The application procedure is the same as applying for a local provident fund loan.

Application materials: The materials are the same as those for local loans, except that an additional "Proof of Housing Provident Fund Payment and Use of Employees' Housing Provident Fund for Off-site Loans" is required.

Where to get the certificate: Apply to the Provident Fund Center in the place where the Provident Fund is deposited. After the Provident Fund Center in the city where the Provident Fund is deposited verifies the deposit and loan status, it will issue a "Certificate of Housing Provident Fund Payment and Use for Employees with Loans in Other Places"< /p>

Loan amount

1. Maximum amount: The maximum personal limit of a provident fund loan shall not exceed 400,000 yuan, and the spouse's participation in the loan shall not exceed 1.5 times the personal maximum limit (600,000 yuan).

2. Maximum loan-to-value ratio: The maximum loan-to-value ratio for provident fund loans is 80% of the value of the house purchased.

3. Loanable limit: The actual loanable limit of the borrower must meet the following conditions: total loanable limit = 50% of the sum of the borrower’s family income and the number of loan periods (months); housing provident fund funds can be loaned Amount = 25 times the sum of the housing provident fund account balances of the borrower and his spouse.

4. Other quota regulations; the maximum loan percentage for a second-hand house mortgage loan is 80% of the lower of the appraised value of the purchased second-hand house and the transaction amount recorded by the real estate registration agency. The first-hand house replacement loan should comply with the loan limit regulations of both the first-hand house replacement loan and the second-hand house mortgage loan.

Down payment ratio

According to the "Notice of the Chongqing Housing Provident Fund Management Committee on the Implementation of the Three National Ministries and Commissions (On Adjusting the Minimum Down Payment Ratio of Housing Provident Fund Personal Housing Loans for House Purchases)", starting from 2018, Chongqing Housing Provident Fund The down payment ratio for provident fund loans is adjusted to 20%.

Loan interest rates

Provident fund loan interest rates are adjusted and published by the People's Bank of China. Housing provident fund loans are based on the current housing provident fund individual housing mortgage loan interest rates stipulated by the People's Bank of China, and are adjusted with national interest rates. And adjust.

Loan term

The maximum term of a housing provident fund personal housing mortgage loan is 30 years, and the loan maturity date shall not exceed 5 years after the borrower's statutory retirement time. The spouse of the borrower who has paid the housing provident fund in full and on time for more than six months continuously and has full capacity for civil conduct can participate in the loan. If the spouse participates in the loan, the maximum amount of the housing provident fund in each loan shall not exceed 1.5 times the personal maximum limit. The subsequent spouse of the borrower is deemed to be the same borrower of the provident fund personal loan.

What taxes and fees need to be paid when buying and selling shops in Chongqing?

1. Buyer pays:

(1) Real estate transaction fee: 5 yuan/square meter for ordinary residences, 11 yuan/square meter for non-ordinary residences.

(2) Chongqing shop and house registration fee: 550 yuan/book (a cost of 10 yuan will be charged for each additional certificate).

(3) Warrant stamp tax: 5 yuan/book.

(4) Stamp tax: 0.05%

(5) Deed tax: transaction price (or appraisal price) × 3%.

2. Seller payment:

(1) When Chongqing sellers sell, regardless of the age of the shop, they must pay the following taxes and fees: Real estate transaction fee 3 yuan/square meter .

(2) Stamp tax: 0.05% of the property price in Chongqing. (3) Land tax: If Chongqing first-hand house purchase bills can be provided, land tax = [transfer income - first-hand bill price (plus 5% per year) - relevant taxes] × applicable tax rate. If the house purchase receipt cannot be provided, the land tax = (transfer income - transfer income × 90%) × 30%.

(4) Personal income tax: The actual levy is (transfer income - original value of the property - reasonable expenses) × 20%, and the approved levy is transfer income × 7.5% × 20%. Transfer income - original value of the property - reasonable expenses equal to personal net income.

(5) Business tax and surcharge: If a first-hand house purchase note can be provided, it is (transfer income - first-hand note price) × 5.5%. If a hands-on note cannot be provided, the transfer income will be × 5.5%; the tax will be 5.56% of the difference.

(6) Land transfer fee: For Chongqing commercial buildings, it is charged at 35% of the base land price at the grid point; for commercial frontage parcels on commercial route price sections, an additional route price is charged 10%; for purpose-use housing, it is charged at 30% of the base land price at the grid point. (7) Land transfer fee deed tax: 3% of the Chongqing land transfer price collected this time.

What is the down payment for second-hand houses in Chongqing?

The down payment for second-hand houses is relatively large. Many people do not know much about the cost of down payment. They do not know the down payment problem of second-hand houses. There are problems after paying the down payment. What are the risks, so we should know more about it, which is beneficial to buying a second-hand house, so that we can avoid these risks and buy a house that suits us. Next, the editor will introduce to you how much is the down payment for a second-hand house in Chongqing? Let’s find out together!

How much is the down payment for a second-hand house in Chongqing

The down payment for a second-hand house in Chongqing is generally 60%. The details are as follows: For families purchasing a second home, the down payment ratio shall not be less than 60%, and the loan interest rate shall be 1.1 times the benchmark interest rate of the same grade during the same period. For families (including borrowers, spouses and minor children, the same below) who purchase their first home with a floor area of ??less than 90 square meters (inclusive) or purchase affordable housing according to regulations, the down payment ratio is not low. The down payment ratio shall be no less than 20%, and for families purchasing their first home with a floor area of ??more than 90 square meters, the down payment ratio shall not be less than 30%.

Chongqing second-hand house down payment risks

1. Second-hand house loan down payment In order to increase the number of business, many "real estate agencies" have "advance payment" for second-hand house purchase customers with poor economic conditions and low income. "The down payment amount, and then asking for "advance money" from the home buyer after the bank loan is issued, along with the behavior of demanding interest, which lays a huge risk for second-hand housing customers to repay the monthly payment to our bank in the future.

2. In the short term, the customer has also applied for a house mortgage and paid back the monthly payment on time. Everything is fine. However, with the occurrence of the "advance" and interest events required by the "housing agency", the customer As the burden increases, their limited funds will be tilted to the "housing agency" side, and the bank's monthly payments will be in arrears. Over time, such customers will "disappear" due to great pressure.

Editor's conclusion: The above content is an introduction to the relevant content about what is the down payment for a second-hand house in Chongqing? I hope it can help you. I believe that after the introduction of the content, you will have a better understanding of the down payment risks of second-hand houses in Chongqing. You can also refer to it if you need it later.

In 2018, is it possible to get a mortgage loan for a second-hand stair house in Chongqing? If the house is 17 years old, is there an age limit for bank loans?

You can apply for a second-hand house mortgage loan. The older the home buyer, the shorter the maximum loan period; the older the house purchased, the shorter the maximum loan period. There is no limit on the age of the bank loan.

1. Applicants for second-hand housing mortgage loans

1. Natural persons with full capacity for civil conduct

2. Have stable occupation and income, and have the ability to repay Ability and good credit record

3. Self-raised house purchase price (down payment) shall not be less than 40% of the house purchase price

2. Loan amount and term

The loan amount shall not be higher than a certain proportion of the lower of the actual transaction price of the property and the bank-approved appraisal price. The specific proportion is determined by the local Postal Savings Bank branch based on the national housing credit policy and the credit status of the borrower; the loan term shall not exceed 30 years, and the sum of the borrower's age shall not exceed 65 years

Extended information ：

Second-hand housing mortgage loan materials

1. The borrower’s legal and valid identity document

2. The borrower’s economic income certificate or professional certificate

3. The borrower’s household registration book; 4. The borrower with a spouse must provide proof of marital relationship

4. If there is a *** with the borrower, a certificate signed by both parties of the borrower must be provided A written commitment that clearly states the responsibility for repayment

5. Proof of property rights for the second-hand house purchased

6. "House Sales Contract" signed with the seller, and The transfer account number provided by the seller

7. If the mortgage needs to be evaluated, a mortgage evaluation report must be issued by an evaluation agency recognized by the lender

8. The purchased house Property rights ***Written authorization document from someone who agrees to sell the house

9. Household register (both husband and wife)

10. Marriage certificate (marriage certificate, divorce certificate, widowhood certificate, single certificate )

11. Proof of income or solvency (to be presented by the unit)

12. A copy of the business license with the official seal of the unit (to be presented by the unit)

14. Current passbook of the applicant’s loan bank