At present, Changsha belongs to the state of "recognizing housing and loans", and the mortgage interest rate =LPR+ basis point. The down payment of the first loan for Changsha buyers is 30%, the second loan has been paid off, the down payment is 35%, and the outstanding second loan is 45%.

Changsha Housing Policy 202 1 Latest

I. About the object of purchase restriction and the number of sets

(1) Household registration in this Municipality

1. Households with household registration in this city have two or more houses in the restricted area, and they are not allowed to buy commercial houses in the restricted area;

2. Adult single families with household registration in this city own 1 houses and above, and may not purchase commercial housing in the restricted purchase area.

(two) families who have moved into new household registration outside the city (except those who have settled in the army for two years)

If you have settled in this city 1 year and have a stable employment (pay personal income tax or social insurance continuously in this city 12 months), you will be restricted to purchase commercial housing 1 set in the restricted area.

(3) Non-local registered households

1. If there are 1 sets or more houses in the restricted purchase area, commercial housing shall not be purchased in the restricted purchase area.

2. If you have stable employment and no housing in this city, you will pay personal income tax or social insurance for 24 months continuously in this city, and buy commercial housing 1 set in the restricted area.

Second, about the purchase restriction time

1. Households with registered residence in this city already have 1 house in the restricted area, and they can buy a second set of commercial housing after obtaining the certificate of immovable property ownership for 4 years. The first set of housing has not been certified or postponed for less than four years due to the developer's reasons, but the registered households in this city have been online signing (filing) for six years, and they can also purchase the second set of commercial housing.

2. Commercial housing purchased by individuals in the restricted purchase area of this Municipality can only be listed and traded after obtaining the real estate ownership certificate for 4 years.

3. Suspend enterprises from purchasing commercial houses in restricted areas, and the purchased commercial houses can not be transferred until they have obtained the certificate of immovable property ownership for five years.

Three. Other relevant regulations.

1. Parents who have taken refuge in adult children for less than 2 years may not buy commercial housing in the restricted area as a separate family.

2. Minors are not allowed to buy commercial housing alone.

3. College students (including undergraduates, masters and doctors) who have settled in the collective account of the school are not allowed to buy commercial housing in the restricted purchase area.

4. If the husband and wife do not remarry after divorce, if either party purchases commercial housing within 2 years, the number of houses it owns shall be calculated according to the total number of families before divorce.

5. Those who meet the requirements for talent introduction are not subject to the above restrictions in terms of housing purchase qualification and housing provident fund use, but must be recognized by the municipal organization and personnel department.