1. Hangzhou household registration:

(1) Adult singles (including divorced) with household registration in this city are limited to purchasing one house (including newly built commercial housing and second-hand housing, below) in the purchase restriction area. Same as);

(2) Families of married residents with household registration in this city are limited to purchasing two houses in the purchase restriction area.

2. Non-Hangzhou household registration

Non-Hangzhou household registration households purchasing their first home must provide that they have continuously paid urban social security within the city’s purchase restrictions four years before the date of purchase or Personal income tax for 48 months or more. (Families who are not registered residents of this city are not allowed to purchase a house by paying personal income tax or social insurance.) Only one house can be purchased within the purchase limit of this city.

Regulations on settling down and buying a house in Hangzhou

1. Those who have settled down in Lin'an District, Jiande City, Tonglu County or Chun'an County for less than 5 years must have settled down for 2 years and must have settled down before the date of house purchase. Only those who have paid urban social security within the city's purchase restrictions for 24 consecutive months starting from 2 years ago can purchase housing within the city's purchase restrictions.

2. Those who settle in this city as parents and adult children must have been in this city for three years before they can purchase new commercial housing and second-hand housing within the city’s purchase restrictions as an independent house-buying family.

3. Those who have settled in this city for less than 5 years are limited to purchasing one house within the city’s purchase restrictions. They must have paid urban social security within the city’s purchase restrictions for 24 consecutive years starting from 2 years before the date of purchase. months.

4. If a house within the city's purchase restriction range is donated to others, the donor must have been there for 3 years before he or she can purchase a house within the purchase restriction range; the recipient's family must comply with the city's housing purchase restriction policy (excluding bequests) .

Hangzhou house purchase loan regulations

Hangzhou down payment ratio*** is divided into two situations: commercial mortgage loan and provident fund loan, the details are as follows:

Commercial mortgage loan for house purchase:

1. If the buyer purchases a first house with a commercial mortgage loan, the minimum down payment ratio is 30, and the loan ratio is 70;

2. The buyer uses a commercial mortgage loan to purchase two or more houses, and the minimum down payment ratio is 50 , the loan ratio is 50;

Provident fund loan:

1. The buyer’s provident fund loan to purchase the first home, the minimum down payment ratio is 20, and the loan ratio is 80;

2. If the buyer buys two houses with a provident fund loan, the minimum down payment ratio is 40, and the loan ratio is 60;

3. If the buyer purchases more than three houses with a provident fund loan, the provident fund loan cannot be used.