Basic talents who have obtained a full-time college degree and started a business in Ningbo at the time of application, who purchase the only family house for the first time within the scope of Ningbo market, are entitled to a 2% discount on the total purchase amount (subject to the taxable amount excluding tax in the deed tax invoice), with a maximum of 80,000 yuan.

1. What conditions do college students need to meet when buying a house with a loan?

1. College students with foreign hukou must provide tax payment certificates or social security certificates. Now the bank has indicated that it will no longer provide housing loans to foreign lenders who cannot provide tax payment certificates or social security payment certificates for more than 1 year. Therefore, the loan for college students with foreign accounts must be able to provide the above supporting materials, otherwise the newly graduated college students can only choose to pay the full amount if they want to buy a house in other places.

2, just work, parents must come forward to guarantee. Even if college students already have jobs and their hukou is new, the examination of college students' loan to buy a house will be relatively strict. Mainly because the income of college students who have just joined the work is basically not high and their repayment ability is limited. Generally speaking, college students need a certificate of income issued by the company to apply for a loan before they can approve the mortgage. After meeting the conditions, they will implement the policy of the first suite. If the income of newly graduated college students is not high, then parents with relatively high income need to be co-borrower. You can't get a loan until you have a guarantee at home.

3. Undergraduates who haven't graduated can't apply for loans when buying a house. Some parents of foreign students want to buy a house for their children while they are still studying, so that they don't have to move back to their hometown after graduation. However, it is now stipulated that although college students are registered in this city, they cannot be the main lenders because they have no job and no income at present, and it is not feasible for their parents to be the main lenders. Therefore, college students who have not graduated can only choose the full amount if they want to buy a house.

4. However, some banks have introduced student housing loans, allowing students and their parents who have reached the age of 18 to apply for personal housing loans from banks as * * * borrowers. After the loan, the parents can be responsible for the monthly repayment, and the length of the loan period is determined according to the age of the students.

Second, preferential policies for college students to buy houses

1, there is no national unified subsidy for college students to buy a house. College students' housing subsidies are not given to them everywhere.

2. In order to retain college students and senior talents, local governments will introduce corresponding policies to buy houses to encourage college students to stay in the local area. This situation is very common. However, the specific areas may be different and the policy forms are diverse. You need to consult local law enforcement departments or real estate management departments to get accurate information.

Third, how to apply for housing subsidies for college students?

1. Require college students to obtain the qualification of affordable housing and apply for the purchase of affordable housing. Relevant materials, such as identity cards, academic certificates, originals that have passed the qualification examination, etc. You need to be prepared before applying.

2. Obtain the qualification certificate after examination and approval, and receive the authorization of the government housing subsidy amount.

3. Sign a house purchase contract with the developer, submit the Power of Attorney for the Amount of Government Subsidy to the developer, fill in the relevant contents and seal it.

4. Submit the purchase contract and the Letter of Authorization for Receiving the Amount of Government Purchase Subsidy to the housing security management core for confirmation (sign the agreement on the return of public housing).

5, real estate development enterprises quarterly with the purchase contract, qualification certificate, "to receive government subsidies purchase authorization" to the city housing security management center settlement subsidies.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 209

The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.

Natural resources owned by the state according to law may not be registered.

Article 2 14

The establishment, alteration, transfer and extinction of the real right of real estate that should be registered according to law shall take effect when it is recorded in the real estate register.

Article 2 15

A contract concluded between the parties on the establishment, alteration, transfer and elimination of the real right of immovable property shall come into effect upon the establishment of the contract, unless otherwise provided by law or agreed by the parties; Failure to register the real right shall not affect the validity of the contract.