1. The collective account is Nanjing account: original ID card, registration form of permanent residents (valid with the official seal of the local police station), marriage certificate (or single certificate) and income certificate. If the monthly loan exceeds 8,000 yuan, daily accounts should be provided. For the first collective account of the archives bureau, the social security certificate that has been paid in Nanjing for more than 1 year is required, or

Second, buying a house must be seen! Nanjing's latest house purchase policy in 2022! Including: house purchase, settlement, loan, transaction tax and provident fund.

Restricted purchase policy Restricted sale policy Second-hand house "transfer with mortgage" Detailed tax refund rules Loan policy Mortgage interest rate Purchase settlement policy Proof of personal credit report Inquiry Real estate transaction tax Nanjing purchase restriction policy Foreigners have no room, and purchase requirements in the main city of Nanjing: 1 year, the accumulated payment of social security for 6 months can provide proof of purchase, and the collection methods are not different, and both individuals and units can pay back. (In July this year, Nanjing revised and promulgated the "Implementation Measures for the Settlement of Points in Nanjing", which mentioned that those who pay social insurance for urban workers in three provinces and one city in the Yangtze River Delta region will be included in the calculation of the payment period of our city and given points. Outsiders who have no houses buy houses in Liuhe, Lishui and Gaochun, and they need to issue proof of purchase with their ID cards and household registration books, so they don't need to pay social security. Among them, the purchase certificate of Liuhe District is only used in Liuhe District, excluding Getang District of Dachang. Foreign families can buy 2 houses in Nanjing. Nanjing household registration Nanjing single can buy 2 houses. Families in Nanjing can buy three houses. Local families with two or more children can issue proof of purchase of the third suite (proof of having two children in the street is required first, and they can use it the next day at the earliest). Other materials for issuing the house purchase certificate remain unchanged and can be purchased in any area of Nanjing, which has been implemented. On the basis of the existing housing purchase restriction policy, A/B/C/D and doctoral talents can purchase an additional 1 house. Buying a house in a non-restricted area is not included in the number of family properties. You can buy a third set directly with your ID card without proof of purchase. Liuhe Lishui Gaochun Nanjing household registration is not limited to purchase and loan. Restricted areas: Gulou, Xuanwu, Qinhuai, Jianye, South Station and Maigao Bridge. Non-restricted area: outside the restricted area. Nanjing's three-year fixed-term sales policy is as follows: (1) The time limit for the sale of pre-sold commercial houses (new houses) is based on the contract filing time; The sales time limit of existing commercial housing and existing housing (existing housing and second-hand housing) is determined on the basis of the registration acceptance time, that is, the registration time of existing housing and second-hand housing according to the home page of real estate. (The filing time of real estate can be inquired through the official account of "Nanjing Real Estate" WeChat-Service Hall-Registration) In order to further improve the security of second-hand housing transactions and the convenience of real estate registration, Nanjing has fully implemented the "mortgage transfer" mode of second-hand housing since mid-September this year. See the figure below for the process and operation guide:

Nanjing Housing Exchange Tax Refund Rules During this year 10 to next year 12, taxpayers who sell their own houses and buy houses again within 1 year will be refunded their personal income tax! Policy enjoyment time: June 65438+1 October1to February 3 1 2023. Taxpayers who enjoy preferential policies must meet the following conditions at the same time: ● The houses sold and repurchased by taxpayers should be in the same city. The scope of the same city refers to all administrative divisions under the jurisdiction of the same municipality, sub-provincial cities and prefecture-level cities (regions, States and leagues). ● Taxpayers who sell their own houses must be directly related to the newly purchased houses and should be the owners or one of the owners of the newly purchased houses. Note: the amount of tax refund is related to the price of online sign, not to the size of the house; If the difference between selling a house and buying a house is less than the difference, the tax refund will be made, and if the house is sold more than buying a house, the full tax refund will be made; The policy is implemented nationwide, and the sales tax rebate in the same city cannot be refunded in different cities; Enterprises can't enjoy tax refund, and the policy only applies to individual housing; * * * Taxes and fees of different property rights cannot belong to one person. The calculation formula is: 1, the amount of newly purchased housing is ≥ the current housing transfer amount, and the tax refund amount = the personal income tax paid at the current housing transfer. 2. Amount of newly purchased housing 3. If the current housing transfer amount and the newly purchased housing amount are inconsistent with the approved taxable value, the approved taxable value shall prevail. 4. Value-added tax is not included in the current housing transfer amount and the newly purchased housing amount. 5. Selling houses owned by more than one person or newly purchasing houses owned by more than one person, and determining the current housing transfer amount or newly purchased housing amount of taxpayers according to the share of property rights enjoyed by taxpayers. Time measurement: 1. Time for selling existing houses: the time for paying personal income tax when taxpayers sell houses shall prevail. 2. Time determination of newly purchased housing: if the newly purchased housing is a second-hand house, the purchase time shall be subject to the tax payment time of deed tax when the taxpayer purchases the house or the registration time specified in the immovable property certificate; If the newly purchased house is a new house, the purchase time is the filing time of the housing transaction contract of the housing and urban-rural construction department. Materials required for tax refund: application form for personal income tax refund for residents' purchase of housing (fill in the tax window); Taxpayer's identity document; Housing sales contract for existing houses; If the newly purchased house is a second-hand house, the house sales contract and the certificate of immovable property right; If the newly purchased house is a new house, the house transaction contract (online signing) reported to the housing construction department for the record; The bank card in my name (credit card is non-refundable). Tax Refund Location: When a taxpayer sells a house, he/she applies for a tax refund to the tax authorities that pay his/her personal income tax. Nanjing Housing Loan Policy Provident Fund Loan: In May 2022, Nanjing adjusted the amount of provident fund loans, including the first use of housing provident fund loans to purchase a second home. The maximum amount of provident fund loans is adjusted from 300,000 yuan per husband and wife and 600,000 yuan per household to 500,000 yuan per husband and wife and 6,543.8+00,000 yuan per household. Apply for provident fund loans to buy self-occupied housing, the down payment ratio is not less than 20% of the total purchase price. Unless otherwise stipulated by the state, such provisions shall prevail.

The existing housing construction area of the family does not exceed 1.20 square meters and the per capita housing construction area does not exceed 40 square meters (adjusted in time according to the per capita housing construction area of this city). When applying for provident fund loans, the down payment shall not be less than 20% of the total purchase price, and the loan interest rate shall be 1. 1 times the benchmark interest rate of provident fund loans. Note: According to categories A, B and C, the maximum loan amount of provident fund is relaxed to 4 times, 3 times and 2 times respectively. Commercial loan for down payment ratio of house purchase in Nanjing: the first suite in Nanjing (no house and no loan), the first suite after down payment for 3 years, the first suite after down payment 1, the second suite after down payment 1, the third suite after down payment for 60%, the first suite after down payment 1, and the first suite after down payment for 3 years. The down payment is 50% for Lishui, the first set is Gaochun (no house and no loan), the first set of loans will be settled after three years of down payment, the first set of loans will be settled after three years of down payment, and the second set of loans will not be settled, and the down payment will be 40% (due to policy adjustment and other reasons, the specific situation will be subject to the major banks and sales offices). Nanjing mortgage interest rate provident fund loan interest rate: the first set is within 5 years (including 5 years). The interest rate of the first individual housing provident fund loan for more than five years will be lowered from the current 3.25% to 3. 1%, down by 0. 15 percentage points. The interest rate of the second set of personal housing provident fund loans remains unchanged, and the interest rates for less than five years (including five years) and more than five years are 3.025% and 3.575% respectively. Commercial loan interest rate: As of June 5438+00, prime bank's first home loan interest rate was basically around 4. 1%(LPR-20 basis points), and the second home loan interest rate was around 4.9%(LPR60 basis points), which was already a historically low interest rate.

Proof of purchase: The way to issue proof of purchase is offline. Where can I get the proof of purchase?

How to handle the certificate of no room for different types of house purchase certificates? The latest identification standard: families without housing must be registered in this city and have no self-owned housing within the city. When applying for the house purchase certificate, the following conditions must be met: there is no self-owned housing registration information and transaction records within 2 years before the date of issuance of the house purchase certificate, including house donation, real estate transaction transfer (including share transaction), real estate transferred through judicial channels, etc. Pay 1 2 months of urban social insurance or personal income tax continuously in our city before the date of issuance of the house purchase certificate1year. Can not provide proof of urban social insurance or personal income tax, must be registered in Nanjing for 5 years. After meeting the above conditions, the steps of issuing the proof of purchase are the same as those of ordinary proof of purchase, which are divided into online and offline. However, families without housing can only issue purchase certificates for families without housing, and the validity period is 180 days. Note: Students who meet the "Regulations on the Registration and Management of Permanent Residence in Nanjing" and are admitted to colleges and technical schools will not be regarded as "families without houses" if they move into student collective households from their original places of residence during their school days. Personal income tax or social insurance certificate paid by family members will not be recognized in the qualification verification of house purchase. Those who meet any of the conditions of "non-collective households registered for marriage in Jiangsu Province after 2008, unmarried single households, divorced households without minor children, and non-collective households without children born out of wedlock" can go to the "My Nanjing" APP to issue a certificate of house purchase without a room, and those who are dissatisfied need to go to the window to handle it. How to handle the talent purchase certificate? The following talents can apply for the talent purchase certificate: 1 Work in our city, which is equivalent to the A-E talents in the Measures for the Settlement of Talents in Nanjing. 2. Undergraduate (under 45 years old) needs to pay 12 months of social security or personal income tax (one year's salary). 3. Work in enterprises above designated size, high-tech enterprises and newly registered R&D institutions in our city, and master's needs/kl. 4 To work in our city, the doctor needs a labor contract of more than 1 year, and it takes 3 months to pay social insurance or personal income tax in our city (the master's salary begins to flow). Work in registered enterprises above designated size, high-tech enterprises and new R&D institutions in our city. High-skilled talents who have obtained professional qualifications of senior technicians and above 6 work in registered enterprises in our city, and senior management talents and technical backbones of enterprises with annual tax of 500,000 yuan and above 7 work in our city. The specific process of recommending talents is confirmed by the Nanjing High-level Talents Recommendation Committee and approved by the Municipal Party Committee and Municipal Government, which is "My Nanjing" APP→ "Nanjing Real Estate "→" Talent Housing Service ",and then materials such as labor relations and performance resumes are uploaded according to the system prompts. Note: Suppliers above 1 are not limited to household registration, including overseas talents and talents from Hong Kong, Macao and Taiwan. Talents need to sign a labor contract with the unit for more than 1 year and pay social insurance or personal income tax in our city. Among them, the city's household registration is equivalent to A, B and C talents. When the application must be made, the spouse and minor children have no self-owned housing in our city, and there is no housing transaction record within 1 year. How to apply for the ordinary house purchase certificate and directly issue the house purchase certificate (two ways) _ If the foreigner has no room to pay social security or individual tax, the requirements for buying a house in the main city of Nanjing: 1 year can issue the house purchase certificate by paying social security for 6 months, and the collection method is not different. Individuals can also, the unit can also. Among them, the social security certificate is printed online. I registered online at social security service windows in cities, districts and streets with my valid ID, and then logged on the website of Nanjing Human Resources and Social Security Bureau for printing (8:00-20:00 working days). Tax vouchers shall be issued by myself with valid identity documents to the tax service hall. _ Talents can purchase directly and must meet the following conditions: ◆ Under 45 years old; ◆ Bachelor degree or above; Senior titles (including deputy senior and full senior); Professional qualification of senior technician; ◆ Provide the labor contract signed by the unit in Ning; ◆ Proof of employment. After settling in Nanjing, it became a voucher for Nanjing people to open a house again. There are two ways to settle in points and talents. Settlement Policy ● On May 365, 438+0, official website of Nanjing Public Security Bureau issued a notice on printing and distributing the Implementation Measures for the Settlement of Talents in Nanjing (Provisional). The implementation time of the new measures is from June 5438+0 to June 1 day in 2026, and the validity period is 3 years. The following four types of talents can be directly settled:1graduates with postgraduate degree or above under the age of 45 or undergraduate degree (including returned overseas students and part-time graduate students with equivalent education); ② Graduates who have been employed in Nanjing for half a year, have a college degree and are under 40 years old; 3. Persons with intermediate or above professional and technical qualifications; 4. Persons with national vocational qualifications (skills) level 3 and above. Note: Vocational qualification certificates after 20211are only recognized by the government. ● Points settled on July 27, 2022, Nanjing issued a new implementation method for points settled. After the settlement of Nanjing points, the required social security payment period is adjusted to not less than 12 months, and the social security payment period in the Yangtze River Delta is determined cumulatively. A new settlement method for points will be implemented from September 2022 1. The settlement index of integral consists of three parts: basic index, positive index and negative index, that is, integral = positive index-negative index of basic index. When the score reaches 100, you can submit an application for settlement to the district public security organ. ● Take refuge and settle down _ Parents need refuge and settle down. Parents over the statutory retirement age, according to the provisions to receive pension insurance benefits (father over 60 years of age, mother over 55 years of age). The place where they apply for household registration is a legally fixed residence, which is consistent with the actual place of residence, and the property right belongs to the applicant himself or his spouse. _ Couples get a marriage certificate after they settle down and have been married for more than 5 years and 30 weeks. The applicant's residence is legally fixed and actually lives, and the property rights of the house are the applicant, spouse, parents and children. -Applicants whose spouses and children have taken refuge in their places of residence have marriage certificates and their children are unmarried. The applicant's domicile is legal and fixed, and the property right belongs to the applicant, spouse or children. _ Children take refuge and settle down. If the children are unmarried, the place where the account is applied for is a legally fixed residence, and the property rights belong to the applicant, spouse and children. In addition, resettlement, military families, athletes and overseas Chinese can all settle in Nanjing.

3. What are the conditions for buying a house with a collective account in Nanjing?

Collective accounts can be considered as local accounts, and buying a house in Nanjing has no effect. One is a local resident and the other is a nonlocal resident. According to the existing household registration policy in Nanjing, the collective household registration of units and talent markets is still regarded as a local household registration, and it is implemented with reference to the provisions of Nanjing household registration to buy a house. Need to be reminded that if you are not married, you need the civil affairs department to issue an unmarried certificate.

Nanjing housing policy:

1, Gaochun, Lishui and Liuhe are included in the scope of purchase restriction, and foreigners can buy one set, but not the second set; Nanjing local household registration is not limited to purchase;

2. Local families in Nanjing already own two or more houses, and are not allowed to buy houses in the main city (excluding Liuhe Lishui Gaochun), whether it is a new house or a second-hand house.

There are five situations that are included in the scope of purchase restriction:

1, the certificate of buying a house cannot be issued for intermediate titles, but only for senior titles or master's degree or above;

2. Foreign talents should be under 40 years old. Foreigners over 40 years old with senior professional titles or master's degrees are required to provide social security or tax payment certificates;

3. If the property is acquired by gift, it shall be implemented according to the housing purchase restriction policy.

4. If real estate is obtained due to judicial judgment or judicial mediation, the housing purchase restriction policy will not be implemented; If the real estate is obtained through judicial auction, it shall be implemented in accordance with the housing purchase restriction policy, and the purchaser shall be qualified to purchase the house.

5. If the house is purchased again due to monetary resettlement, according to the audit opinion of the Municipal Construction Committee, the purchase of houses with the number or area of houses to be expropriated and below will not be implemented (that is to say, the purchase restriction will also be implemented for the excess part).