households with deep households and adult singles (including divorced persons):
Commercial housing can only be purchased if they have settled in this city for three years and can provide proof of continuous payment of personal income tax or social insurance for 36 months or more before the date of purchase.
Non-deep households and adult singles (including divorced):
Continue to follow the regulations that commercial housing can only be purchased after paying personal income tax or social insurance certificate for 5 years or more in this city before the date of providing the house.
Notes on social security payment
Social insurance refers to any two types of insurance, including endowment insurance, medical insurance and industrial injury insurance.
1. Deep-seated households and adult singles (including divorced):
If the social security payment has been cut off within three years before the date of purchase, but not more than three months (including three months), if the social security payment has been paid in our city for 36 months in the three and a half years before the date of purchase, and other purchase conditions are met, commercial housing can be purchased;
2. Non-deep households, adult singles (including divorced):
If the social security payment has been cut off within five years before the date of purchase, but not more than three months (including three months), if the social security payment has been paid in our city for 6 months in the five and a half years before the date of purchase, and other purchase conditions are met, commercial housing can be purchased. Continuous payment and accumulated payment do not include overdue payment.
if the social security cannot be paid on time during the epidemic period, and the payment is completed within 3 months after the local epidemic is lifted, it will be regarded as continuous payment of social security, and the withholding and payment will not be included in the review of social security requirements for house purchase.
First, the conditions that deep households need to meet when buying a house in Shenzhen
(family as a unit) can buy two ordinary residential houses in Shenzhen, with a down payment of 3% for the first house and 7% for the second house.
Second, the conditions that non-deep households need to meet when buying a house in Shenzhen and taking out a loan to buy a house
(1) Qualification for buying a house
Non-Shenzhen hukou: 3% down payment for buying the first house (having purchased social security for one year, with no interruption in the last year), and 7% down payment for buying the second house (having sold the property in Shenzhen under its name and having a loan record).
non-deep households: without social security, social security has not been completed for one year or the mortgage has been cut off in the last year, and they are not qualified to buy houses.
(social security for one year: generally more than 13 months)
(2) Non-deep households need to meet the following conditions (related materials) when buying a house with a loan in Shenzhen:
1. Have legal and valid identification (resident ID card, household registration book or other valid identification and proof of marital status;
2. Have a good credit record and willingness to repay;
3. It has a stable income source and the ability to repay the loan principal and interest in full and on time;
4. Sales (pre-sale) contract or letter of intent for commercial housing with purchased housing;
5. Have the ability to pay the down payment for the purchased house;
6. Open a personal settlement account in the bank;
7. There is an effective guarantee recognized by the lender;
(3) Non-deep households need to provide materials
their own ID card, household registration book, marriage certificate (no single declaration for marriage), income certificate, ID card and telephone number of a local guarantor, and if the monthly payment exceeds 3, yuan, you also need to provide your bank account for the last three months, or stock fund certificate, but it must be your own name. (Generally, the monthly running water needs to be 2.5 times of the monthly supply. )
Legal basis:
Article 58 of the Social Insurance Law of the People's Republic of China * * * The employing unit shall apply for social insurance registration for its employees within 3 days from the date of employment. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Individual industrial and commercial households without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.