Policies for buying a third house in Changsha: 1. If the family only has two houses in its name, or one has paid off the corresponding house purchase loan (regardless of whether it enjoys deed tax benefits), this situation will result in the inability to purchase a house. . 2. If the family has a household registration in this city or buys a residential house in the urban area, the down payment ratio needs to be increased to 50% when buying a house again to enjoy the first home purchase discount.
Purchase restriction/sale restriction policy
1. Households with household registration in this city
Changsha household registration includes Changsha, Liu and Ning counties and cities.
① Individual households and collective households in this city that apply after September 23, 2017, if they do not have a house in the purchase restriction area, are limited to purchasing one set of commercial housing.
② Households registered in this city are limited to purchasing 2 units. If you already have a house in this city, you can obtain a housing provident fund loan for your first house.
① Be recognized by Changsha City as high-level talents of Category A, B, C, and D, and have obtained a talent review certificate or Changsha Talent Green Card.
② Meet the loan conditions stipulated in the "Changsha Housing Provident Fund Personal Loan Management Measures".
③If you open a housing provident fund account at the Changsha Housing Provident Fund Management Center and make normal deposits, you are not subject to the 6-month deposit time limit.
④ If you purchase a house within the administrative area of ??this city, the property can be mortgaged within the purchased area.
Purchase restricted areas
Furong District, Tianxin District, Yuelu District, Kaifu District, Yuhua District, Wangcheng District, Changsha County.
These four groups of people in Changsha can be given priority in the sale of limited-price housing
Targeted price-limited commercial housing refers to the government's proposal to restrict sales when selling land for commercial housing through bidding, auctioning, and listing. According to the price, housing suite area and sales targets, the construction unit shall obtain the land through open competition to develop, construct and sell ordinary commercial housing; or use the acquired land to sell according to the restricted sales price, housing suite area and Ordinary commercial housing that is required to be built by the sales target. The following people who have obtained the purchase order of targeted limited-price commodity housing can be given priority for allocation:
①Households with minimum living allowance and no house.
②Lonely elderly people over 60 years old.
③ There are family members who are disabled at level 2 or above, suffer from major diseases within the scope of medical industry standards, and are targeted for special care.
④ Families that have received commendations for bravery at the municipal level or above, special contribution awards, model worker titles, second-class merit during military service, third-class or above in war.
Provincial Provident Fund Off-site Loan
In addition to carrying out off-site loan cooperation with all cities and states in the province, Changsha has also cooperated with Beijing, Shanghai, Guangzhou, Shenzhen, Wuhan, Nanchang, Hefei, Guiyang And 10 cities in other provinces, including Yichun and Xinyu in Jiangxi, have established housing provident fund off-site loan cooperation.
Houses are a relatively important type of property in our country, and our country controls this type of property accordingly. Relevant buyers who purchase houses in Changsha need to comply with relevant regulations in my country. Only those who meet the conditions for buying in Changsha can carry out normal transactions. Relevant buyers need to make corresponding inquiries before purchasing.
Legal Basis
"Changsha Housing Provident Fund Management Regulations"
Article 25 Under any of the following circumstances, employees may apply to withdraw their housing provident fund accounts The storage balance within:
(1) Purchasing, constructing, renovating or overhauling self-occupied housing;
(2) Repaying the principal and interest of the loan for purchasing self-occupied housing; (3) Renting Those who live in low-rent housing in this city; (4) whose rent exceeds 15% of the family's wage income; (5) who enjoy the minimum living security for urban residents; (6) who suffer from major illnesses or other emergencies due to themselves or their spouses, parents, or children. Causes family life to be particularly difficult; (7) The labor relationship with the employer is terminated or terminated, and the employee has been unemployed for more than 2 years; (8) Other situations in which withdrawals can be made in accordance with relevant national regulations. In the case of items (1) and (2), the funds shall be withdrawn within the time specified by the management committee.
Article 29 Employees who have paid housing provident funds and apply for a housing provident fund loan for the first time when purchasing, constructing, renovating or overhauling their own houses within the administrative area of ??this city shall meet the following conditions:
(1) Normally pay housing provident fund for the number of years specified by the Management Committee before applying for a loan;
(2) The down payment for house purchase shall not be less than the proportion specified by the Management Committee;
(3) Have good reputation, have stable economic income and loan repayment ability;
(4) Have legal and valid contracts or relevant procedures for purchasing, constructing, renovating or overhauling self-occupied housing;< /p>
(5) Provide guarantee. If you apply for a housing provident fund loan again after paying off the first housing provident fund loan, in addition to meeting the conditions in the preceding paragraph, you must also meet other conditions stipulated by the management committee. When employees apply for housing provident fund loans, they must not exceed the maximum loan ratio and maximum loan amount stipulated by the management committee.