Original title "Understand Qingdao's latest home purchase policy in one article, involving purchase restrictions, sales restrictions, provident funds, settlement, etc."

The past June was an inflection point for Qingdao's property market. The regulation of the property market has shifted from tightening to loosening, and the market has released multiple benefits. Against this background, the property market finally submitted a satisfactory answer at the end of the first half of the year. From January to June 2022, a total of 87,765 new homes were sold, an increase of 10% from the same period in 2021.

Under the superimposed stimulation of the New Deal, many citizens who had a wait-and-see attitude in the early stage began to put home purchase on their agenda. So what are the latest home buying conditions? What is the mortgage policy? What are the new changes in provident fund loans? The Qingdao News Network Real Estate Channel has specially planned and reviewed Qingdao’s latest house purchase policies, including purchase restrictions, loan restrictions, sales restrictions, settlement, and the entire process of buying a house. This article is enough for you to buy a house!

Purchase restriction policy

Purchase restriction scope definition:

Purchase restriction scope: Shinan District, Shibei District, Licang District, Laoshan District except Wanggezhuang Street.

Non-restricted purchase scope: Wanggezhuang Street in Laoshan District, West Coast New District, Chengyang District, Jimo District, Jiaozhou City, Laixi City, and Pingdu City.

Limitations on the number of units:

Purchase restriction policies will continue to be implemented in restricted areas. Households registered in this city are limited to purchase 2 houses, and eligible households not registered in this city are limited to 1 house; non-restricted purchases Region, there is no limit on the number of housing units purchased.

Purchase conditions:

There are no social security requirements for residents registered in this city to purchase a house;

Families not registered in this city need identity certificate, household registration booklet, marriage certificate and other documents. Original certificates such as personal income tax payment certificate or social insurance payment certificate that have been paid in this city for 12 consecutive months or more within 2 years from the date of home purchase application can be used to purchase a house in the purchase-restricted area.

Household registration definition:

Resident households with household registration in this city refer to households whose family members (including husband and wife and minor children) have household registration in this city (seven districts and three cities) (including Families with some family members registered as residents of this city);

Active military personnel serving in this city are regarded as residents of this city. When purchasing a house, they should submit an officer's or soldier's ID card (original) and a certificate of service in this city. Proof of residence (original); active-duty military personnel who have moved their household registration out of this city due to serving in other places are regarded as residents of this city. When purchasing a house, they should submit their military officer's or soldier's ID (original) and the original city's household registration certificate (original) or a certificate issued by the police station. Relevant certificates (original).

Residents with household registration in this city who are admitted to colleges and universities in other places and whose household registration is transferred to a collective household in a school outside the city are regarded as residents of this city. When purchasing a house, they should submit their student ID card (original) and collective household registration page ( Original) and original city household registration certificate (original) or relevant certificates issued by the police station (original).

Resident households without household registration in this city refer to households whose family members do not have household registration in this city.

Provide Fund Policy

Loan Amount:

According to the latest news released by the Qingdao Housing Provident Fund Management Center: Buying the first home for a family to live in the administrative area of ??Qingdao City For housing, if both the borrower and the spouse meet the loan application conditions, the maximum provident fund loan limit will be adjusted to 800,000 yuan; if the borrower only meets the loan application conditions, the provident fund loan maximum limit will be adjusted to 500,000 yuan. The policy on the maximum amount of provident fund loans for purchasing a second home for self-occupation remains unchanged.

Adjust the application and deposit conditions for provident fund loans:

The payment standards for employees to apply for personal housing provident fund loans are: the housing provident fund account has been established for 365 days and the loan has been applied for for nearly 12 consecutive months Normal payment and deposit are adjusted for employees who have established a housing provident fund account for half a year and have paid and deposited the housing provident fund normally and in full for more than 6 months (inclusive) when applying for a loan, they can apply for a personal housing provident fund loan.

Adjustment of the relevant provisions on the age of provident fund loans for second-hand houses:

If employees purchase second-hand houses and apply for personal housing provident fund loans, the sum of the loan period and the age of the house shall not exceed 30 years at most. Adjusted to a maximum of 50 years. The requirement that the age of the house is linked to the down payment ratio will be cancelled, and the down payment ratio will no longer be increased step by step based on the age of the house.

Settlement policy

Implement the "Opinions on Further Deepening the Reform of the Household Registration System" issued by the Qingdao Municipal Government on March 15, 2021, and cancel the original single-unit commercial housing in Shinan District , Shibei District, Licang District, Laoshan District, and Chengyang District have an area limit of more than 90 square meters, and the West Coast New District, Hongdao Economic Zone, and Jimo District have an area limit of more than 60 square meters to achieve legal property rights-based residential properties in our city. Persons (including those who have completed online signing and filing of housing transfer contracts) and their close relatives can apply for settlement.

In addition, according to the latest policy released in June 2022, commercial housing (apartments, shops, office buildings) on the West Coast and Chengyang can apply for themselves and their close relatives in sequence according to the principle of "one room, one household". Settled in urban households with close relatives or collective households in urban communities where the houses are located. After the children of the above-mentioned people whose household registration has been transferred have settled in, they can apply for admission according to their children's household registration, and apply in accordance with the current enrollment methods of West Coast or Chengyang District.

Deed Tax Policy

The "Deed Tax Law of the People's Republic of China" was passed on August 11, 2020 and will come into effect on September 1, 2021. At present, the collection of deed tax on real estate transactions is implemented in accordance with Caishui [2016] No. 23 "Notice on Adjusting Preferential Policies for Deed Tax and Business Tax in Real Estate Transactions", that is,

(1) For individuals purchasing the only home for the family (scope of family members) Including the purchaser, spouse and minor children, the same below), if the area is 90 square meters or less, the deed tax will be levied at a reduced rate of 1%; if the area is more than 90 square meters, the deed tax will be levied at a reduced rate of 1.5% .

(2) If an individual purchases a second improved house for a family with an area of ??90 square meters or less, the deed tax will be levied at a reduced rate of 1%; if the area is more than 90 square meters, the deed tax will be reduced by 2 Deed tax is levied at a rate of %.

The second improved house for a family refers to the second house purchased by a family that already owns a house.

Family houses with three or more houses and non-houses are levied a deed tax at a rate of 3%.

The deed tax for buying a house on the West Coast is up to 40% off for a limited time

Subsidy time limit and proportion:

1. From the date of publication (2022.6.10) to June 2022 As of the 30th, if the home buyer completes the online signing and filing of the new commercial housing transaction contract, the home buyer will be given a subsidy of 40% of the actual paid deed tax.

2. From July 1, 2022 to September 30, 2022, if the house buyer completes the online signing and filing of the new commercial housing transaction contract, the house buyer will be given a subsidy of 32% of the actually paid deed tax.

3. From October 1, 2022 to December 31, 2022, if the house buyer completes the online signing and filing of the new commercial housing transaction contract, the house buyer will be given a subsidy of 24% of the actually paid deed tax.

For example: after this subsidy, if you buy a house before June 30, the area equivalent to the first house below 90㎡ will be charged at 0.6%; the area above 90㎡ and below 144㎡ will be charged at 0.9% % to collect.

Restricted sales policy

Jimo District: New houses can be traded after 5 years of signing online; second-hand houses can be traded after 2 years of getting the certificate.

The current sales restriction policy implemented by other districts and cities is still the "4-18" new policy released in 2018. It is necessary to obtain the "Real Estate Certificate" for 5 years before it can be listed for trading.