1, as long as the identity certificate, household registration certificate, marital status certificate, Housing Reform Assistance Inquiry Form and other related materials of the purchaser and family members are verified, and checked with the Declaration Form and Family Housing Inquiry Result Form.
2. As long as you can provide a non-local resident (foreign household registration) who has paid personal income tax or social insurance payment certificate 1 year or more in this city in the first two years from the date of purchase.
Kunming's housing policy is:
1. The provident fund of other cities in Yunnan Province can buy a house in Kunming.
1. In order to encourage citizens from other cities in Yunnan Province to buy houses in Kunming, the Kunming Housing Provident Fund Management Center issued a notice on the evening of 2016125, stating that employees who have paid housing provident fund in the housing provident fund management center of other cities in Yunnan Province have been working since 20 10/26.
2. Moreover, the preferential policies for purchasing houses in Kunming have been officially implemented since 20 16126, and the implementation period is one year. This also means that in 20 17, employees who have paid housing provident fund in other cities in Yunnan Province can still enjoy preferential treatment of buying their own houses and applying for housing provident fund loans in Kunming.
Second, there is a discount for buying a house for the first time in Kunming:
1, "Interpretation of the Implementation Plan of Preferential Policies for First House Purchase in Kunming in 20 16 (Regulations/Rules)" clearly points out that the deed tax rate will be temporarily reduced to 1% for individuals who purchase ordinary houses of 90 square meters or less for the first time, and the first house purchase certificate will be issued by the municipal real estate trading center.
2, personal sales or purchase of housing temporarily exempt from stamp duty. The lower limit of the loan interest rate can be extended to 0.7 times of the benchmark loan interest rate, and the low down payment ratio can be adjusted to 20%.
3. Reduce the interest rate of individual housing provident fund loans, and reduce the interest rates of all grades by 0.27 percentage points respectively. Individuals who purchase ordinary houses for more than 2 years for external sales will not bear business tax. Personal transfer for personal use for more than 2 years, the income is obtained by families with only residential houses, and personal income tax is not borne.
Legal basis:
"Yunnan Province's Plan for Promoting Agricultural Transfer Population and Other Permanent Population to Settle in Cities and Towns"
I. General requirements
(5) Adjust and relax the restrictions on settlement in the main urban area of Kunming. Persons who have legally stable residences (including leases) in Wuhua District, Panlong District, Guandu District and Xishan District of Kunming (hereinafter referred to as the four districts of Kunming) may apply for registration of permanent residence: those who legally purchase (inherit, accept gifts) commercial houses may apply for registration of permanent residence in this residence, and those who pay basic old-age insurance in the four districts of Kunming may apply for spouses, minor children and children to move in. If you rent a legally stable residence in the 4 th district of the main city of Kunming and pay the basic old-age insurance for 3 years, you can apply to register your permanent residence, spouse, minor children and parents (including spouse's parents) in the collective residence of your place of residence or community. If you are legally and stably employed in the 4 th district of the main city of Kunming, pay the basic old-age insurance and apply for a residence permit for 3 years, you can apply to register your household registration in the community collective account of the actual employment place. If the registered permanent residence moves into the four districts of the main city of Kunming, it is not subject to conditions such as paying basic old-age insurance and applying for residence permit. Chenggong District of Kunming can further relax the restrictions on the basis of the household registration policy of the four districts in the main city of Kunming. After the adjustment and relaxation of the settlement restrictions, the four districts and Chenggong District of the main city of Kunming will no longer implement the point settlement system. (Led by Provincial Public Security Department and Kunming Municipal People's Government)