1. Individuals or families registered in Nanchang can buy a suite in the restricted area of Nanchang.
If there is no loan record before purchasing the property in the restricted area, the down payment ratio is 30%; If there are loan records, the down payment ratio is 40%.
You can't buy a second or more property in the restricted area, and you can only buy a second suite and a third suite in the non-restricted area.
Buying a second suite in a non-restricted area, there is no loan at present, and the down payment ratio is 40%; If there are outstanding loans, the down payment ratio is 50%.
If you buy a third suite in a non-restricted area, you can only buy it in full.
2. Individuals or families who are not registered in Nanchang can buy a suite in the restricted purchase area if they are qualified to buy a house.
There is no loan record before buying a house, and the down payment ratio is 30%; With loan records, the down payment ratio is 40%,
In Nanchang (including restricted and non-restricted areas), you can't buy a second house or more.
Key points of Nanchang purchase restriction policy:
1. Nanchang main city limit 1 set, including Dongxihu, Qingshan Lake, Qingyunpu Scenic Resort Scenic Area, Honggutan District, newly-built Mayor _ Town, newly-built Wan Li, Li Antang Town of Nanchang County, etc., and not limited to purchasing non-main cities such as Jiulonghu New Town of Honggutan District, Hu Xiang New Town of Nanchang County, Wangcheng New District of newly-built District, and Rule Lake New Town.
2. Nanchang locals (including "three counties") can buy houses in Nanchang restricted areas, and local households without houses can give priority to buying "three-limited houses". Foreigners need to provide social security certificates for more than two years to buy a house in the restricted purchase area. Because the purchase restriction policy of Nanchang does not include Xinjian District and Nanchang County, the purchase restriction policy of Xinjian District and Nanchang County includes Nanchang City. Locals with real estate in Xinjian District and Nanchang County will not affect the purchase of houses in Nanchang City, while locals with real estate in Nanchang City cannot buy houses again in Xinjian District and Nanchang County.
3. The purchase restriction is based on "individual". A couple can buy a house without a name on the real estate license, but it is still restricted by the loan policy.
Matters needing attention in buying a house in Nanchang
1, don't buy a house facing the street:
First of all, you should be careful not to buy a house facing the street. The noise is too loud. Even a small path has the potential to develop into a vegetable market. Ask "why" more, especially open spaces and large green belts, buildings near the edge of the community, houses near the road, and adjacent open spaces have high risk factors.
2. Avoid the room near the bus stop:
First, choose architecture. In line with the principle of "not to be taunted, but to be able to hide", you can choose buildings that keep a proper distance from the above noise sources when choosing houses. What needs special attention is the bus station. The bus itself is noisy and is generally the distribution center for most residents, so the business will be very developed. Sometimes, even if there is no market in the planning, as long as there is enough open space, food stalls will often form spontaneously and the noise will be greater.
3, choose the ground floor housing to avoid the garage entrance:
When choosing the ground floor housing, you should try to avoid the entrance and exit of the underground garage and the main traffic roads, and carefully choose the rooms facing the street, entertainment area or community gate to avoid the interference of dust and noise, and the flashing and whistling of night lights.