At present, in China, Yantai, Wenzhou, Taizhou, Jinhua and other first-and second-tier cities do not implement the purchase restriction policy. The only first-and second-tier city that does not implement the purchase restriction policy is Chongqing. Even if it is a foreign household registration, there is no limit to buying a house in Chongqing, but there are certain requirements for tax payment and social security, and those who meet the conditions can buy it. In addition, there are many cities that implement the purchase restriction policy, but cities that implement the purchase restriction policy will also have areas that are not limited to purchase, and buying houses in areas that are not limited to purchase will not be affected by the purchase restriction policy.

How can I get a loan if I buy a house?

You can apply for a loan normally if you buy a house. If you don't buy, you can buy a second house. If you want to apply for a loan at this time, you can apply directly to the relevant bank, but you need to meet the corresponding conditions. Different bank loan policies are different, so you can consult before applying. For example, applicants are generally required to be between 18 and 60 years old and have a certain economic foundation. In addition, they are required to have mortgaged assets. As long as the corresponding conditions are met, you can go through the loan process and wait for the approval of the bank.

Do I have to pay taxes to buy a house without restrictions?

Unlimited buying a house requires tax. Restricted purchase is a restrictive policy to buy a house, in order to curb housing prices. It has nothing to do with paying taxes. As long as the property right of the house changes, you need to pay taxes. For example, deed tax is generally charged at 3%, and stamp duty is generally paid at 0.05% of the total house price. In addition, there is a registration fee. If you buy a second-hand house, you may have to pay personal income tax and VAT in less than two years.