Shenzhen is a city that is developing extremely rapidly. Whether it is economy or real estate industry, it is one of the best in the country. If you want to buy a house in Shenzhen, in addition to the basic house payment, you must also comply with the relevant house purchase policies. Okay, let’s follow the editor to learn about Shenzhen’s home purchase policies.

1. Shenzhen House Purchase Policy

At present, Shenzhen mainly implements a purchase restriction policy in terms of house purchase. Local residents in Shenzhen can purchase a house without paying social security. The purchase is limited to 2 houses, and the first house is limited to 2 houses. The down payment for a loan is RMB 30, and the down payment for a second home loan is RMB 70. For non-Shenzhen residents who purchase a house, they need to pay personal income tax and social security for five years, and if there is no break in payment, the purchase of one house is limited, and the down payment for the loan is RMB 30.

2. How to do well in buying a house in Shenzhen

1. Understand your own house purchase funds

The housing prices in Shenzhen are not comparable to those in most other cities. House prices are generally above 20,000 yuan/㎡, and some even reach as high as 60,000 yuan/㎡. Therefore, before buying a house, you must first check your assets, including cash, deposits, investments, average monthly income, etc., so that you can use this method. Figure out where a house is right for you.

2. Consider the household income and expenditure after buying a house

Generally, when buying a house, you choose a loan. You need to repay the loan every month, and the monthly payment is related to the household income and expenditure. If the family It is not advisable to have only a small portion of the income and expenses after the monthly payment. This has a great impact on daily life, and if some unexpected emergencies require money during the monthly payment period, it will be a huge burden on the family.

3. Consider the surroundings of the house

When buying a house, you must not only look at the price, but also the area, transportation, culture, and life. They all need to be present in our daily work. If the house is in a Where traffic remains unchanged, it is very disadvantageous for commuting to and from get off work. And if there are no shopping places around the house, it will be very detrimental to life. Houses in school districts are a better choice, both for investment and for children's education.

4. House area

House prices in Shenzhen are too high, so it is a better choice to buy a small apartment. For example, a two-bedroom apartment of about 60-80 square meters is very suitable, and a one-bedroom apartment is suitable. , a study room, which can be converted into a children's room after marriage, so that a family of three can live there.

Editor’s summary: The above is an introduction to Shenzhen’s home purchase policy. As a first-tier city, Shenzhen generally implements purchase restriction policies in real estate transactions. I hope that the content shared by the editor will be of some help to everyone.