Legal analysis: 1. Families who move from outside the city to buy commercial housing or second-hand housing in the housing purchase restriction area must settle down for 1 year and pay social insurance or personal income tax continuously for 12 months in this city (except veterans and approved talents).

2. In the housing purchase restriction area, the online signing of the commercial housing sales contract has been filed for 5 years, and the immovable property certificate and the second-hand housing immovable property certificate can be listed and traded for 5 years.

3. Adjust the age requirement for "just-needed families" without housing transfer records to 48 months.

Legal basis: People's Republic of China (PRC) City Real Estate Management Law.

Article 36 When transferring or mortgaging real estate, the parties concerned shall register the ownership in accordance with the provisions of Chapter V of this Law.

Article 62 When a real estate is mortgaged, it shall be registered with the department designated by the local people's government at or above the county level. Where the land use right and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be handled in accordance with the provisions of this chapter.