You need to pay social security when buying a house in Changsha.

When purchasing a house in Changsha, non-local households with stable employment and no housing in the city need to pay personal income tax or social insurance for 24 consecutive months in order to purchase a set of commercial housing in the purchase restriction area; Families registered outside the city must also meet the same conditions. If social security payments are stopped, you will not be able to meet the conditions for purchasing a house. For home buyers who have a social security certificate in Changsha for more than one year, if there is no loan record, the loan amount can be calculated as the first house, with a maximum loan amount of 70; otherwise, the loan amount can be calculated as the second house, with a maximum loan amount of 40. At the same time, social security certificates can also reduce transaction costs by 1 to 2 percentage points.

The functions of social security:

1. Guaranteeing basic life: Social security can provide basic economic security when insured persons encounter illness, unemployment, old age, etc.;

2. Promote social stability: As an important part of the social security system, social security helps alleviate social conflicts and maintain social harmony and stability;

3. Promote economic development: the social security system can increase residents’ consumption ability, promote the expansion of domestic demand, and then promote economic growth;

4. Achieve social equity: Social security reduces the gap between rich and poor in society through a redistribution mechanism and achieves fair distribution of social resources;

5. Improve the welfare of workers: Social security provides workers with various protections including medical care, pension, unemployment, etc., and improves the overall welfare level of workers.

To sum up, social security is required to buy a house in Changsha. Non-registered households in this city need to pay personal income tax or social insurance for 24 consecutive months before they can purchase commercial housing in the purchase-restricted area. The suspension of social security payment will not be able to meet the purchase requirements. condition. Home buyers who have had a social security certificate in Changsha for more than 1 year can calculate the loan limit based on the first home, with a maximum loan amount of 70; otherwise, it will be calculated based on the second home, with a maximum loan amount of 40. At the same time, social security certificates can also reduce transaction costs by 1 to 2 percentage points.

Legal basis:

"Notice of the General Office of the State Council on Issues Concerning Further Improving the Regulation of the Real Estate Market"

Article 6

In principle, households with local household registration that already own one house and non-local households with household registration that can provide local tax payment certificates or social insurance payment certificates for a certain period of time are limited to purchasing one house; for local households with household registration that already own two or more houses Residential households, non-locally registered resident households that own one or more houses, and non-locally registered resident households that are unable to provide local tax payment certificates or social insurance payment certificates for a certain period of time will be suspended from selling houses to them within this administrative area.