1.2022 What are the conditions for foreigners to buy a house in Wuxi?
(1) If the buyer himself is a high-level talent introduced by talents in Wuxi, he only needs to establish a social security relationship in Wuxi. Note: High-level talents refer to those who have the title of associate senior middle school or master's degree or above (including master's degree).
(2) Non-high-level talents who purchase houses in restricted areas shall provide proof that they have paid social insurance or personal income tax in Wuxi for more than 2 years (inclusive).
(3) If you buy a house in a non-restricted area, there is no social security requirement, but only one house is allowed to be purchased, and it cannot be transferred within 2 years after obtaining the property right certificate.
2. Which areas in Wuxi are restricted to purchase, and which areas are not restricted to purchase?
According to Wuxi's current purchase restriction policy, Wuxi is divided into two parts: the restricted purchase area and the non-restricted purchase area:
Restricted purchase areas: Liangxi District, Binhu District (excluding Mashan), Wuxin District (excluding Hongshan), Huishan New Town and Dong Xi New Town.
Non-restricted areas: Mashan, Hongshan and Huishan districts outside Huishan New Town, Xishan District outside Dong Xi New Town, Yunlin Street and Hudai in Huiju Plate are policy restricted areas, but they can be purchased without restriction.
3. What are the conditions for buying a house in Wuxi?
A. Suspend the sale of newly-built commercial housing to households with household registration in this Municipality that already own two or more houses.
B. Continue to suspend the sale of newly-built commercial housing and second-hand housing to non-local households with 1 set or more houses.
C. When applying for housing purchase, non-local registered families should provide proof that they have paid social insurance or personal income tax for more than 2 years in this city (except for high-level talents with non-local registered residence introduced according to relevant talent policies of provinces and cities).
D. Servicemen stationed in this city and college students studying in this city, who have no housing in this city, can buy a new set of housing in the urban area with the certificate issued by the unit that they have served or studied for more than 2 years (inclusive).
4. What is Wuxi's sales restriction policy?
According to the latest regulations of Wuxi, houses that have obtained the ownership certificate of immovable property after 24: 00 on May 20, 20 17 can only be transferred after individuals or families have obtained the ownership certificate. Corporate units can only transfer ownership after obtaining evidence for 3 years when they buy a house.
In the New Deal on August 30, 2020, individual housing in Wuxi urban area (excluding key areas of shantytown renovation) was transferred for two years but less than five years, and value-added tax was required, which was exempted after five years.
Urban commercial housing, land acquisition, demolition and resettlement housing for the first time listing, inheritance, gifts between immediate family members, real estate merger, etc. Not subject to this regulation.
You have to pay taxes to take over the house in Wuxi. How much is the tax?
According to the regulations, new houses need to pay deed tax, overhaul fund and one-year property fee, while second-hand houses need to pay deed tax, value-added tax and personal income tax.
Among them, the individual housing transfer policy has changed slightly, and the period of exemption from value-added tax for second-hand houses has been raised from 2 years to 5 years due to the regulation of the 830 New Deal last year.
In this regard, the official explanation is that the time for households to purchase houses and restrict the transfer is still 2 years (it can be transferred after obtaining the property right certificate for 2 years), but they must be over 5 years to enjoy the preferential policy of exempting individual housing transfer from value-added tax, and those who have been over 2 years but less than 5 years are required to pay value-added tax.
However, if the filing date of individual housing transfer contract is before the date of publication (August 30, 2020), the period of exemption from VAT shall be implemented according to the original policy, otherwise it shall be implemented according to the new policy (except for key areas of shed reform).
6. What is the down payment ratio of the first and second houses?
After Wuxi's 8.30 policy, the policy of minimum down payment of 30% will continue to be implemented for first-time buyers without housing and loans.
However, at present, the minimum down payment for the first home commercial loan in Wuxi is 4%, and some banks can make a down payment of 30% according to customer qualifications, but the requirements are very strict.
With regard to the minimum down payment for the second-home commercial loan, if a resident family that already owns a house and the corresponding housing loan is not settled applies for a commercial personal housing loan to buy commercial housing again, the minimum down payment ratio will be adjusted from 40% to 60%.
In terms of mortgage interest rate, the latest survey results show that the minimum loan for the first set is 5.7%, and the minimum loan for the second set is 6.05%.
7. What is the loan amount of Wuxi housing provident fund?
From 20 19, 10 and 1, Wuxi implemented the new version of the provident fund policy. Couples can borrow up to 600,000 yuan and individuals can borrow up to 300,000 yuan. Accept the house and the loan.
The husband and wife provident fund is accounted for separately, and the loan amount is linked to the deposit period: if the deposit period is less than 2 years, the loan amount is calculated at 5 times of the deposit balance; Over 2-3 years, calculated by 7 times the balance; For those with 3 years or more, it shall be calculated as 10 times of the balance.
From 10 to 15 in 2020, Wuxi workers' families bought a second set of self-occupied housing, and the interest rate of provident fund loans was raised from 3.25% to 3.575%.
Loan term: the loan term of each loan of 10000 yuan shall not exceed 3 years, the longest shall not exceed 30 years, and shall not exceed the loanable period of the borrower. (Borrowable years = working years of the borrower from the date of borrowing to statutory retirement +5 years).
In addition, Wuxi housing provident fund loans are distributed to paid workers' families who purchase the first set of self-occupied housing and the second set of self-occupied housing. If there are two or more houses under the family name, you can no longer use provident fund loans.
From July, 2002 1 year1day, the maximum monthly deposit base of housing provident fund for urban employees and housing subsidies for new employees was adjusted to 28,400 yuan.
The minimum deposit base of employee housing provident fund and new employee housing subsidy is determined according to the minimum wage standard of last year published by the human resources and social security department, and the minimum is 2020 yuan.
8. What is the latest settlement policy of Wuxi in 2022?
In terms of settlement, Wuxi has a variety of settlement methods, such as buying a house, renting a house, introducing talents, and taking refuge. Last year, Wuxi also introduced a new settlement policy, relaxing restrictions in many aspects.
A, cancel the restrictions on settlement in the administrative areas of Jiangyin and Yixing. You can apply for settlement as long as you have a legally stable residence (including rented houses registered by the housing construction department) or legally stable employment and participate in urban social security.
B, completely cancel the restrictions on the settlement of college graduates, returned overseas students, skilled workers and other groups. Relevant personnel who have legally stable residence (including lease) or legally stable employment and participate in social security may apply for settlement.
C, cancel the housing area limit of the original housing, and participate in urban social insurance, apply for (endorse) residence permit in Jiangsu Province. Relevant personnel have their own houses in Wuxi, are legally and stably employed, and participate in urban social insurance, so they can apply for settlement.
D. Adjust and relax the settlement conditions for those who have joined the army and entered the city, the new generation of migrant workers, and the agricultural transfer population who have worked and lived in cities and towns and moved their families. Relevant personnel who have legally stable residence (including lease), legally stable employment and have paid social security for 2 years according to law may apply for settlement.
E, the implementation of the Yangtze River Delta "integration" strategy, in accordance with the relevant national and provincial requirements, define the relevant household registration access years, and implement cumulative mutual recognition among urban agglomerations.
After the implementation of the new settlement policy, there is also a heavy good news: parents and children can rely on each other to transfer their accounts, without age restrictions and per capita regional restrictions.
Among them, the most striking change is that renting a residence can also apply for moving the household registration into this city. The specific requirements are as follows:
First of all, I, my spouse, children and parents have no housing in this city.
Secondly, the rented house is a residential house leased and registered by the housing construction department. (According to the Regulations on the Administration of Registration of Permanent Accounts in Jiangsu Province, non-residential houses and illegal buildings are not allowed to register permanent accounts).
Third, the owner of the house needs to issue a written opinion on whether he agrees to accept the settlement, and the owner who agrees to accept the settlement needs to provide the certificate of ownership of the house.
In line with the situation of settling in the leased house, but the owner refuses to settle down, settle in the community where the leased house is located. In other words, regardless of whether the owners agree or not, they can settle down, but the address is different.
9. What is the latest housing subsidy policy in Wuxi in 2022?
In addition to offering preferential treatment to imported talents, Wuxi government also has relevant subsidy policies for college students when buying houses.
Service objectives:
Employment and entrepreneurship in the urban area of this city within 2 years after graduation, and after the social insurance paid by the unit according to law has accumulated to 1 year, buying the first individual housing in the urban area of this city meets one of the following circumstances:
A. Outstanding overseas students (excluding Sino-foreign cooperation in running schools) who rank in the top 20 universities or disciplines in the world 100, work in enterprises and institutions in this city (excluding administrative units managed by referring to the Civil Service Law), or start a business in this city and serve as the legal representative of the enterprise;
B other doctoral students, including overseas students and graduates from universities in Taiwan, Hong Kong and Macao, work in enterprises, research institutes and various social organizations registered by the civil affairs department of this Municipality, or set up enterprises in this Municipality and act as legal representatives of enterprises;
C. After engaging in postdoctoral research in the urban area of this Municipality and leaving the station, stay in the enterprises and research institutes in the urban area of this Municipality.
Subsidy standard:
A. For overseas students from universities ranked in the top 100 in the world or universities ranked in the top 20 in their disciplines (excluding Chinese-foreign cooperation in running schools), a one-time housing subsidy of 654.38 million yuan will be given to undergraduates, 200,000 yuan for masters and 300,000 yuan for doctors;
B. Other full-time college graduates with doctoral degrees, including overseas students and college graduates from Taiwan, Hong Kong and Macao, will be given a one-time housing subsidy of 200,000 yuan; Postdoctoral students will be given a one-time housing subsidy of 300,000 yuan.
10. Judging from the current market structure, is this a good time to buy a house?
In the second half of 202 1, the market was cold. In 2022, the expectations of the market, housing enterprises and buyers will take some time to adjust, and the recovery of market confidence will also take some time. The Wuxi market may pick up slowly in the first half of the year, and the industry is expected to usher in a significant rebound in May at the earliest. Property buyers need to seize the preferential window period of real estate enterprises.
What will happen to housing prices in Wuxi in 2022?
In 2022, it is expected that Wuxi's housing prices will remain stable and follow the policy of "no speculation in housing prices", and will not plummet or skyrocket.
12. How long does it usually take to approve new housing loans now? What about second-hand houses?
At present, Xicheng Bank has sufficient quota. Like second-hand housing loans, new housing loans can be released in 3-5 days at the earliest, but the focus is on the credit qualification of customers.
13. I plan to buy a house in spring. What aspects of the new house are worthy of attention?
Economic development zones deserve attention. In 2022, the Economic Development Zone broke out in an all-round way, urban renewal continued, and major landmarks such as the Olympic Sports Center and Conference Center landed, and the planning was favorable.
14. What sectors are worth starting with if you want to buy a second-hand house?
Second-hand houses in the main city of Liangxi are worth starting with. On the one hand, there are many houses to choose from at will, on the other hand, they are rich in resources and comfortable to live in.
15. The new house only needs to get on the bus. What is the current minimum threshold for down payment?
At present, the average transaction price of Wuxi in June 5438+ 10 is about 23,000 /m2. Based on the down payment of 40% for 100 flat apartment, it will cost about 920,000 yuan to buy a house.
16. The budget for first-time home buyers is limited. What items can you recommend?
Given the limited real estate budget, it is recommended that some prices are upside down: Guo Xin Shi Jia Zhenyuan (about 1.47 million yuan/square meter), Dongcheng Central (about 1.85 million yuan/square meter) and Daan Shangpin Garden (about 1.85 million yuan/square meter).
17. For improved buyers, which properties can be focused on in spring?
After the centralized land supply last year, some properties have entered the market, but most of them are still in preparation. Huishan New Town Vanke zhang wan International and Shanshui City Guiyu Yun Jian, which will open in March, are expected to enter the market for the first time. Improved property buyers can focus on it, and the location and surrounding facilities are relatively complete.
18. If children's education is the priority, what areas can buyers pay attention to?
Wuxi new site has no fixed school district. If you want to give priority to children's education, it is suggested that buying a second-hand house is more secure. Generally speaking, it can be considered around Sanyang Square in Liangxi District, Dong Xi New Town Plate in Xishan District, Huishan New Town Plate in Huishan District and the core area of Economic Development Zone.
19. Why are there more and more cooperative sectors in Wuxi?
Restricted by the big environment, the joint development of housing enterprises is more and more extensive, which can not only share risks and save costs, but also share resources and gather the strengths of many companies.
20. If you want to start with villas, what areas and projects are worth focusing on?
At present, most of Wuxi's products are stacked villas, but also a small number of townhouses and single-family products. If you want to start villa products, buyers can learn about China Resources Jing 'an House, Fahua Capital, Yujing Tianxi, Century Jinyuan Red Sandalwood Nanchangli and other projects. Relatively speaking, the circle is more pure.
2 1. What are the potential real estate sectors in Wuxi for a long time?
As the "plate ceiling" of Wuxi, the Economic Development Zone still had many favorable plans last year. In addition, Wanshanhu New Town Plate, Lihu New Town Plate and Luoshe Plate are also the three major areas that Wuxi focused on building last year.
22. From the perspective of future replacement, which regional projects and communities are better to sell?
At present, most of Wuxi's products are stacked villas, but also a small number of townhouses and single-family products. If you want to start villa products, buyers can learn about China Resources Jing 'an House, Fahua Capital, Yujing Tianxi, Century Jinyuan Red Sandalwood Nanchangli and other projects. Relatively speaking, the circle is more pure.
Relax and enjoy the purchase information. Come and pay attention to Leju.com.
Article source: Leju buys a house
Quality content recommendation
List Kerry Jiangsu Province 2022 1 month housing sales list released.
What can the realization of Asian Games infrastructure bring to Hangzhou property market? Fangshushuo No.392
Officially started! Heping Road Tunnel, coming!