202 1 what are the requirements for buying a house in Shenzhen?
202 1 The conditions for purchasing houses for Shenzhen hukou and non-Shenzhen hukou are as follows:
1, Shenhu
Deep-rooted families and adult singles (including divorced people) must have settled in this city for 3 years, and can provide proof of continuous payment of personal income tax or social insurance for 36 months or more in this city before the date of purchase, before purchasing commercial housing.
2. Non-deep households
Non-deep households and adult singles (including divorced) will continue to buy commercial housing in accordance with the provisions of paying personal income tax or social insurance certificates for five years or more in this city before the date of providing the purchase price.
3. Divorce between husband and wife
If the husband and wife are divorced, if either party purchases commercial housing within 3 years from the date of divorce, the number of housing units owned by them shall be calculated according to the total number of households before divorce.
According to the relevant provisions of the People's Bank of China, with the consent of the self-discipline mechanism of Shenzhen market interest rate pricing, the following requirements are made for differentiated housing credit policies:
(1) If the purchaser's family name has no housing in this city and there is no record of commercial housing loan or provident fund housing loan, the policy of minimum down payment ratio of 30% will continue to be implemented;
(2) If there is no housing in this city under the name of the purchaser's family but there is a record of commercial housing loan or provident fund housing loan, the down payment ratio for purchasing ordinary housing shall be no less than 50%, and the down payment ratio for purchasing non-ordinary housing shall be no less than 60%;
(3) If the purchaser owns 1 apartment in this city under the family name, the down payment ratio for purchasing ordinary housing loans shall be no less than 70%, and the down payment ratio for purchasing non-ordinary housing loans shall be no less than 80%.
Husband and wife divorced, and the qualification to buy a house was chased for 3 years to calculate the number of sets;
Down payment ratio: 30% down payment without housing or loan. 50% down payment for ordinary housing, and 60% down payment for non-ordinary housing without housing and loan records. Families with 1 set will pay 70% down payment for ordinary housing and 80% down payment for non-ordinary housing;
The transfer of value-added tax shall be exempted for 2 to 5 years;
Luxury house line: the total price is more than 7.5 million, the plot ratio is below 1.0 (inclusive), the interior area is above 120 (inclusive) or the building area is above 144 (inclusive);
When drawing lots to buy new houses, priority should be given to those who have no house, have taxes or have long social security years.
What conditions do foreigners need to buy a house in Shenzhen?
1, Shenzhen household registration can buy two self-occupied properties in Shenzhen; Non-deep households must pay social security for more than one year and can buy a self-occupied property;
2. Families of Hong Kong, Macao and Taiwan residents can buy a self-occupied property in Shenzhen;
3. Those who are not registered in this city and can provide proof of continuous payment of personal income tax or social insurance for more than half a year in this city before the date of purchase are allowed to buy new commercial housing 1 set.
4. Suspend the sale of newly-built commercial housing to non-local households who have 1 apartment and cannot provide personal income tax certificates or social insurance certificates for more than two years in this city within two years before the date of purchase.
5. For non-local households with 2 or more houses, the sales of new commercial housing will be suspended.
6. Non-registered families in this Municipality shall not purchase new commercial housing by providing personal income tax payment certificates or social insurance certificates.
202 1 what is the interest rate of the first home loan in Shenzhen?
202 1 year, the first home loan interest rate of Shenzhen branch of the four major banks of industry, agriculture, China and Shanghai Stock Exchange was raised 15 BP to 5. 10%(LPR+45BP), and the Shenzhen branch of China Merchants Bank, a joint-stock bank, was also raised; The Shenzhen branch of the Postal Savings Bank and Minsheng Bank temporarily "stayed put".
The interest rates of CITIC and Guangfa's first and second home loans in Shenzhen were 10% and 15% respectively, but now they have dropped to 8% and 12% respectively.
On March 5, it was reported that the Postal Savings Bank made it clear that the interest rate of the first home loan was reduced to 7% of the benchmark interest rate, and the interest rate of the second home loan was reduced to 1 1%.
On March 7, Shenzhen media reported that Bank of Communications lowered the interest rate of the first home loan from the previous benchmark 10% to 5%. Previously, Shenzhen Branch of Postal Savings Bank lowered the interest rate of the first home loan to "benchmark floating 7%", which was the lowest among the six major state-owned banks, but it was refreshed by Bank of Communications only one day later.
The increase in mortgage interest rate means that the cost of buying a house will rise, the difficulty of buying a house will increase, and the property market will cool down. The increase in mortgage interest rate is not good news for people who are about to buy a house, because the increase in mortgage interest rate means that buyers need to pay more interest.
The increase of mortgage interest rate will directly push up the capital cost of buyers, and then affect the transaction volume of the property market. However, the increase in mortgage interest rate is not all bad news for those who are about to buy a house, because the increase in mortgage interest rate will lead to a decline in transaction volume, so in this context, house prices naturally lose the motivation to continue to rise.
The above is the related content of "202 1 What are the requirements for buying a house in Shenzhen" compiled by Bian Xiao Xiaobian.