The specific conditions for foreigners to buy a house in Kunshan are: 1. When a non-Suzhou registered household applies for buying a second house, it should provide proof that it has paid personal income tax or social insurance (urban social insurance) 1 year or above in Suzhou in the first two years from the date of purchase. 2, the new application for housing provident fund loans, adjust the personal loan provident fund amount calculation method, unified by the provident fund account balance multiple calculation. 3. Can provide tax bills or social security that have been paid for 13 months in 2 years; Families who are not registered in this city are required to provide the tax payment certificate or social insurance payment certificate for more than 1 year (13 months) before buying a house. But you have to pay property tax. Buyers can only buy two houses at most. Especially if you have already bought two sets, you can't apply for a purchase. 5. When using the provident fund loan for the second time, the down payment ratio is adjusted from not less than 20% to not less than 30% of the total house price, and the loan interest rate is adjusted from the first home loan interest rate to the first home loan interest rate 10%.
Second, Kunshan new housing policy 202 1?
Household registration in this city
Families with local hukou (including collective hukou) can purchase up to 3 suites.
Non-local household registration
If you have a foreign household registration, you must provide proof that you have paid personal income tax or social insurance for two years or more in Suzhou, Kunshan, Taicang, Changshu and Zhangjiagang in the first three years from the date of purchase (the payment and disconnection do not meet the conditions for purchase), and you can purchase 1 suite at most;
For foreign hukou, eligible applicants can apply for Kunshan talent purchase code, and can purchase at most 1 set. This method is not limited by household registration, individual tax and social security payment time. It should be noted that the code is valid for 3 months and can only be applied for 1 time.
second
Loan restriction policy
Provident fund loan
Housing provident fund loan interest rate:
1-5 years: 2.75%;
6-30 years: 3.25%.
1. First use of provident fund loans
The maximum amount of family loans is 700,000 yuan, and the maximum amount of single-person loans is 450,000 yuan;
The minimum down payment is 20%, and the loanable amount is calculated according to 10 times of the borrower's personal account balance.
2. The second use of provident fund loans
The maximum amount of family loans is 500,000 yuan, and the maximum amount of single-person loans is 300,000 yuan;
The minimum down payment is 50%, and the loanable amount is calculated according to 6 times of the borrower's personal account balance.
Note: If the borrower uses the housing provident fund personal housing loan for the second time, the loan interest rate is 1. 1 times the benchmark interest rate.
commercial loan
1. First suite: the minimum down payment ratio is not less than 30%.
2. Two houses:
● Housing without loans or housing with loans: the minimum down payment ratio is 50%;
(For households that have a record of buying a house loan, but actually have no room when applying for a loan to buy a house; There is 1 apartment, but there is no housing loan record or the corresponding housing loan has been settled)
● Housing and loans: the minimum down payment ratio is 80%;
(A resident family owns 1 apartment and the corresponding housing loan has not been settled, and applies for a commercial personal housing loan again to purchase ordinary housing. )
3. The third set of housing:
For households with two or more houses, commercial personal housing loans will be suspended.
third place
House purchase tax and fee details
New house deed tax
First suite: 90_, deed tax 1% or less; Above 90_, deed tax1.5%;
Second suite: 90_, deed tax 1% or less; Above 90_, the deed tax is 2%;
Three suites: 3% deed tax should be paid regardless of size.
Note: The first set, the second set and the third set here refer to the number of complete sets of houses under the family name.
Second-hand housing deed tax and other expenses
The expenses involved in second-hand housing transactions mainly include value-added tax and surcharges, deed tax, personal income tax and agency fees.
1. VAT and surcharge
Less than 2 years, ordinary houses and non-ordinary houses need to pay value-added tax;
After 2 years, ordinary houses will be exempted from value-added tax, and non-ordinary houses will be subject to price difference.
2. Personal income tax
Personal income tax shall be exempted for the family's only housing and the purchase time is more than 5 years; If you are not satisfied, pay according to 1%.
3. Deed tax
4. Intermediary fee
In the process of second-hand housing transaction, the intermediary provides services for the buyer, so it charges a certain service fee, which is generally 1%-3% of the transaction price of the house.
fourth
Settlement policy
According to the latest document "202 1 Edition Kunshan New Citizen's Necessary Collection-Moving Outside the City" published by Kunshan.com in China, there are several ways to move outside the city: buying a house, taking refuge, and settling down with points.
1, buy a house and settle down.
According to the "Suzhou Household Registration Access Management Measures", starting from 202 1, 1, the settlement policies of county-level cities (districts) such as Kunshan are cancelled, and all county-level cities (districts) are required to set a reasonable transition period for the settlement period of qualified people who have purchased houses.
According to the regulations, the deadline for applying for housing in Kunshan is June 30, 2024.
After the transition period,
Buying a house is about to be cancelled!
0 1 house purchase application (unit employee)
(1) I apply in writing;
(2) Property right certificate (I, husband and wife, minor children * * *, with an area of more than 80 square meters, obtained the property right certificate according to law before June 30, 20021year, and the deadline for application is June 30, 2024); ?
(3) Kunming social security and medical insurance payment list (within the first 3 years from the date of application, the employer who needs to pay social security and medical insurance will pay the fee to Kunshan Social Security Center, and the normal continuous payment will be over 3 years, and the payment month will be regarded as discontinuous; The social security payment list is provided by myself with the social security number, and the accepting unit prints it through the website of Kunshan Social Security Center. ?
(4) Resident identity card;
(5) household registration book;
(6) marital status materials;
(7) Minor children (/kloc-under 0/8 years old) are allowed to move with them, and a medical certificate of birth is required; ?
(8) Unemployed spouses from other places are allowed to move with them, and the spouses who move with them need to provide unemployed certificates or unemployed commitment letters from the original domicile;
(9) Adult unmarried children move with them. For details, please refer to "Children applying for household registration with their parents (adult unmarried children)".
⑽ The applicant has special circumstances, and the above materials can not clearly verify the applicant's situation, and the public security organ considers it necessary to supplement the supplementary materials.
02 Apply for house purchase (do business and set up industry)
(1) I apply in writing;
(2) Property right certificate (I, husband and wife, minor children * * *, with an area of more than 80 square meters, obtained the property right certificate according to law before June 30, 20021year, and the deadline for application is June 30, 2024);
(3) the business license of my business (more than 3 years);
(4) Tax payment certificate (tax payment list issued by the tax authorities for individuals with accumulated RMB 200,000 or more);
(5) Resident identity card;
(6) household registration book;
(7) marital status materials;
(8) Allow minor children (1under 8 years old) to move with them, and provide birth medical certificate;
(9) Unemployed spouses in other cities are allowed to move with them, and the spouses who move with them need to provide unemployed certificates or unemployed commitment letters at the place where their original household registration is located;
⑽ Adult unmarried children move with them. For details, please refer to "Children applying for household registration with their parents (adult unmarried children)".
⑾ The applicant has special circumstances, and the above materials cannot clearly verify the applicant's situation, and the public security organ deems it necessary to supplement it separately.
Step 2 take refuge and settle down
0 1 Couples take refuge
(1) written application (by the spouse of the asylum seeker, whose spouse is a family account in this city);
(2) Resident identity cards of both husband and wife;
(3) the household registration book of both husband and wife;
(4) marital status materials;
5. Legally stable residence materials (if the legally stable residence belongs to the spouse in this city, if the spouse has no legally stable residence, the legally stable residence where the spouse is registered belongs to the spouse's immediate family members);
(6) Family member relationship materials (the legally stable residence of the spouse's domicile is owned by the spouse's immediate family);
(seven) a statement that the owner of the legally stable residence agrees to move in;
(eight) the unemployment certificate or letter of commitment of the original residence;
(9) the applicant has special circumstances, and the above materials cannot clearly verify the applicant's situation, and the public security organ considers it necessary to supplement it separately.
Children's asylum (/kloc-children under 0/8)
(1) written application (submitted by one of the parents of the asylum-seeker and is a family account in this city);
(2) Resident ID cards of parents and children (/kloc-children under 0/6 years old actually apply according to their ID cards);
(3) parents' and children's household registration books;
(4) marital status materials;
(5) legally stable residence materials (legally stable residence belongs to persons who have taken refuge in this city);
(6) A statement that the owner of the legally stable residence agrees to move in;
(7) medical certificate of birth;
The applicant has special circumstances, and the above materials cannot clearly verify the applicant's situation, and the public security organ considers it necessary to supplement the materials.
03 Children's asylum (adult unmarried children)
(1) written application (submitted by one of the parents of the asylum-seeker and is a family account in this city);
(2) Identity cards of parents and children;
(3) parents' and children's household registration books;
(4) marital status materials (I can't provide marital status materials, and the public security organs can check them through information sharing or handle them on the spot with the written commitment of the applicant);
(5) legally stable residence materials (legally stable residence belongs to persons who have taken refuge in this city);
(6) A statement that the owner of the legally stable residence agrees to move in;
Former parent-child relationship;
The applicant has special circumstances, and the above materials cannot clearly verify the applicant's situation, and the public security organ considers it necessary to supplement the materials.
4 parents take refuge
(1) children's written application (father over 60 years old or mother over 50 years old, and retirees, children are family accounts in this city);
(2) Identity cards of parents and children;
(3) parents' and children's household registration books;
(4) marital status materials;
5) The relationship between parents and children;
(6) materials of children's legally stable residence (children themselves or their spouses have legally stable residence in this city);
(seven) a statement that the owner of the legally stable residence agrees to move in;
Minor retirees provide retirement certificates;
(9) the applicant has special circumstances, and the above materials cannot clearly verify the applicant's situation, and the public security organ considers it necessary to supplement it separately.
Elderly people over 0580 voluntarily take refuge.
(1) Children's written application;
(2) If the child has a legally stable residence and the household registration is in one household, provide the materials of the legally stable residence of the child, the household registration book of the child and the statement that the owner of the legally stable residence agrees to move in;
(3) If the children have no legal and stable residence, and the household registration is registered in the collective account, provide the proof that the children and their spouses have no real estate in Kunming (the proof of no real estate in Kunming issued by Kunshan Real Estate Trading Center) and the child's household registration certificate;
(4) If the children's household registration is in the collective account of the unit, it is necessary to provide the social security certificate of the current work unit and the opinions on the settlement of the unit consistent with the collective account; If the children's household registration is registered in the collective account of the talent market, it is necessary to provide the social security certificate paid normally in Kunming after the children settle in Kunshan, the on-the-job certificate of the current work unit, and the audit opinion of the talent market;
(5) Resident identity cards of parents and children;
(6) parents' household registration book;
Former parent-child relationship;
The applicant has special circumstances, and the above materials cannot clearly verify the applicant's situation, and the public security organ considers it necessary to supplement the materials.
Retirees return to their places of origin to apply for household registration.
(1) I apply in writing;
(2) Resident identity card;
(3) household registration book;
(4) marital status materials;
5] Legally stable residence materials; If I don't have a legally stable residence (Kunshan Real Estate Trading Center issued a certificate that I don't have a house in Kunming), I can apply for a family with a legally stable residence for my immediate family members or brothers and sisters, and I need to provide family member relationship materials and a statement that the owner of the legally stable residence agrees to move in; Those who move into rural areas must comply with the provisions of Article 92 of the Regulations on the Registration and Management of Permanent Accounts in Jiangsu Province.
[6] in line with the needs of national construction mobilization, decentralization of rural areas, support for frontier areas, and support for third-line construction, provide the original urban household registration materials;
Former retirement certificate;
The applicant has special circumstances, and the above materials cannot clearly verify the applicant's situation, and the public security organ considers it necessary to supplement the materials.
3. The integral has been determined
The applicant must meet the following conditions:
Participate in social insurance in the urban area or county-level city where you live now;
Have applied for a residence permit in the urban or county-level city where they live now and have lived legally for more than 1 year (including 1 year);
Have a legally stable residence in the urban area or county-level city area where the current residence belongs.
Three. Kunshan Housing Settlement Policy 202 1
First, the introduction of talents; Second, buy a house and settle down; Third, the points are settled. Persons who meet one of the following conditions can apply to the public security organs for household registration: those who have purchased complete sets of commercial housing in this city, handled the house ownership certificate (house ownership certificate) for more than 3 years, and participated in social security and medical insurance for more than 3 years are allowed to move in as a whole. Extended data:
The first type of Kunshan talents were introduced and settled. At present, the minimum education requirement for the introduction of settled talents is junior college, and the declared age of junior college is below 35 years old, that is, the month that does not exceed 1985 this year is not considered over-age. The requirement for junior college to settle down is that you must be employed in Kunming and pay social security for 7 months or more in the same enterprise company (the policy requires that you can apply after paying social security for 6 months, that is to say, you can apply after paying social security for 7 months, and individuals can't apply, so you must first say that you have a bachelor's degree. There are three types of undergraduate education here. 1. Full-time undergraduate degree or above. Those with degree certificates can apply in person without working in Kunming and paying Kunshan social security. Undergraduate application age is under 45 years old. Second, part-time, need to be employed in Kunshan, and the same enterprise must pay social security for two months in a row (the policy requires that it must be paid continuously for 1 month to apply, that is to say, it must be paid continuously for two months 1 month), and the declaration must be applied by the unit. Third, for full-time undergraduate students, this one without a degree certificate, like the second part-time, is applied by the unit. In order to make a good connection between the old and new methods, the transitional policy for purchasing houses and settling down is as follows: those who bought commercial housing with an area of more than 80 square meters in this city before June 30, 2002 1 and obtained the certificate of immovable property ownership according to law can apply to the public security organ for registration in registered permanent residence:1.Those who have bought commercial housing in this city, handled the certificate of immovable property ownership (house ownership certificate) for more than 3 years, and are legally employed in this city. The second is to buy a complete set of commercial housing in this city, and the real estate ownership certificate (house ownership certificate) has been more than 3 years, and the accumulated tax payment in this city has been more than 200,000 yuan for more than 3 consecutive years (certificate issued by the tax authorities), allowing me, my spouse and their minor children or adult unmarried children to move in.