1, Shanghai household registration purchase restriction policy list

2, foreign household registration purchase strategy

3. Shanghai housing loan policy (interest rate, quota, years, etc.). )

4. Interpretation of new house points

A list of Shanghai household registration purchase restriction policies

The latest changes in the policy of buying houses

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Shanghai people's purchase restriction policy

Shanghai singles can buy one set, Shanghai families can buy two sets, and non-Shanghainese need to pay 60 months of social security or individual tax within 63 months to buy a house.

If you buy a house in the name of a Shanghai citizen, you will buy the same property within marriage. Of course, if both parties have more specific ideas, they can also fix the capital contribution, ownership and share of the property in the form of property agreement to avoid disputes in the future.

How to buy a house after divorce?

If a husband and wife divorce and either party purchases commercial housing within 3 years from the date of divorce, the number of houses it owns shall be calculated according to the total number of families before divorce.

Foreigners or compatriots from Hong Kong, Macao and Taiwan can buy a house by providing a one-year Shanghai labor contract and a one-year tax bill, which requires that the labor contract and tax bill company must be consistent.

If the buyers do not meet the purchase restriction policy, they may face the problem of breach of contract and compensation. According to the agreement in the Shanghai real estate sales contract, the house transfer should comply with the purchase restriction. If the purchaser fails to truthfully provide family information and commercial housing owned by family members, he shall bear all legal and economic responsibilities such as "non-registration of real estate" caused by it.

Divorce analysis:

1. The house sold during the marriage is not within the scope of purchase restriction (the registration date of the property right certificate must be before the divorce date).

2. After the divorce, the newly purchased houses of the current family and the original divorced family should be included in the number of sets.

3. Houses that have not been sold or donated at the time of divorce are still counted (whether houses that have been donated after divorce are counted in the number of sets depends on the caliber of each trading center).

4. Other purchase restriction policies are not limited (if you have a house with your parents before the purchase restriction, you can provide proof of relatives to remove the number of sets according to the original regulations, and the original spouse needs the spouse to provide materials).

5, divorced for 3 years, not affected by the New Deal.

6. remarriage after divorce is implemented according to the new policy.

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Foreigners' purchase policy

What conditions do foreigners need to buy a house in Shanghai?

1. When a foreigner gets married, he can only buy 1 (commercial housing) in Shanghai.

2. Non-Shanghai registered households are restricted to purchase a set of Shanghai registered households, but both husband and wife must have at least one social security or individual tax, and have paid it continuously for 5 years or more before the date of purchase.

3, foreigners in the field of real estate does not count, as long as there is no real estate in Shanghai can buy!

4. Residence permit for three years (property tax exemption)

Required documents: 1, ID card 2, marriage certificate 3, household registration book 4, income certificate 5, tax payment certificate 6, residence permit.

Special group policy

Apart from the policy of purchasing houses by registered families and non-registered families, what are the restrictions on purchasing houses by collective registered families, foreigners/compatriots from Hong Kong, Macao and Taiwan, doctors, soldiers and enterprises in this city? What should I pay attention to?

1, Shanghai Lingang House Purchase New Deal released:

On August 6th, 20 19, the State Council information office held a press conference and put forward the policy of 12 to attract talents.

2. Settle in the New Deal: shorten the cycle of "residence to household", shorten the cycle of "residence to household" (residence permit to household registration) from 7 years to 5 years, and further shorten the core talents to 3 years.

3. Qualification for buying a house: the qualification for non-local household registration is adjusted from family to individual; The social security period was shortened from 5 years to 3 years.

In other words, if you are single in other places and have worked in Lingang New District for more than 1 year, you will have the opportunity to buy a house within the scope stipulated in the detailed rules!

The latest talents settle down:

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Shanghai people's housing loan policy

Shanghai Since August 6th, 20021year, Shanghai has issued a new regulation on second-hand housing mortgage, which implements "three prices are low": when the buyer applies for a loan, he chooses the lowest price from the purchase and sale contract price, the transaction center verification price and the bank evaluation price as the housing price standard for applying for a loan.

1. Commercial loan

According to the latest LPR for more than five years, the mortgage interest rates of some banks in Shanghai have been lowered by 65,438+05 basis points. The first and second interest rates were 4.8% and 5.5% respectively, compared with 4.95% and 5.65% before.

Changes in loan policy

2. Provident fund loans

The difference between ordinary houses and non-ordinary houses in Shanghai!

Ordinary housing should meet the following three standards: room type, transaction price and construction area. Non-ordinary housing cannot meet the conditions at the same time.

(1) Housing type: multi-storey housing with five or more floors; Old-fashioned, new-style alleys, old-fashioned alleys and so on. Less than five floors.

(2) Transaction price: within the inner ring: ≤ 4.5 million yuan/set; Between inner and outer rings: ≤ 365438+100000 yuan/set; Outside the outer ring: ≤ 2.3 million yuan/set.

(3) Building area: single building area ≤ 140m2.

"Shanghai New House Yaohao Points System Policy"