Buying a house should be familiar to us now, because every family will need to buy a house now. However, we know that different regions have different relevant regulations on house purchase, so we need to understand some local policies when buying a house, so it will be more convenient to buy a house. What are the relevant policies if we want to buy a house in Hefei? Let's introduce the policies related to house purchase in Hefei? What conditions do outsiders in Hefei need to buy a house?
What are the housing policies in Hefei
1, if the household registered residence in the city already has 1 housing units in the urban area, it can buy second more apartments and suspend the purchase of third housing units. The registered residence of the non registered residence in the urban area of the city has no housing. The 1 sets of housing can be purchased in the city proper by the certificate of the city's tax payment or social insurance payment. The second housing units are suspended, and the household residents who are unable to provide proof of tax payment or social insurance payment in the city are suspended.
2. In order to further reasonably guide housing demand, the city will also implement differentiated housing credit tax policies: for families who borrow to buy a second house, the proportion of down payment shall not be less than 60%, and the loan interest rate shall not be less than 1.1 times of the benchmark interest rate.
3. If an individual sells a house purchased for less than 5 years, a full business tax shall be levied; If an individual sells a non ordinary house purchased for more than 5 years (including 5 years), the business tax shall be levied according to the difference between the sales income minus the purchase price of the house; Individuals who will purchase ordinary houses for more than 5 years (including 5 years) for external sales shall be exempted from business tax.
4. In addition, the notice requires to strengthen the collection and management of real estate tax, 'the tax department shall, together with the real estate, land and resources, price and other departments, focus on the inspection of real estate development projects with excessive pricing and rapid growth.'
5, according to some opinions on further promoting the steady and healthy development of the real estate market in Hefei in October 2nd, we suspend the sale of newly built commercial housing to the registered residence households with 2 or more housing units in the urban area (excluding four counties, one city and the same below). It is suspended that the new urban housing and stock housing will be sold to the non registered residence households who have paid 1 or more years of personal income tax or social insurance certificate for 1 consecutive years, which have 2 or more years of housing or can not afford to buy houses.
6, we add according to relevant supplementary: 1, before October 2, 2016, registered residence households in the collective household had the same housing qualification as the urban household registration families. The registered residence of the urban household registered residence in the collective household, and still has the qualification of the household registration in the urban area. After October 2nd, registered residence and veterans were registered in the collective household due to demobilization, demobilization and demobilization. After October 2nd, registered residence is registered in the households of the collective households, and after one year's expiry, they have the same housing qualifications as the household registration families in this city.
What conditions do outsiders in Hefei need to buy a house
1. At present, the non restricted areas in Hefei are: high tech, economic development, new station and Binhu. The restricted areas are Luyang, Shushan, Baohe and Yaohai. If the loan to buy a house needs to meet one of the following three conditions: Hefei hukou, social security payment for more than one year and tax certificate for more than one year.
2. In fact, any conditions for full purchase can be met. If the down payment + loan requires social security or tax certificate for more than one year in Hefei. If the conditions can be met, I suggest buying now. Now the house price is still under control, but it is impossible to reduce it. New houses will not be sold this year, and the price will rise next year, not to mention second-hand houses, With the expansion of the city, new houses are built in the marginal suburbs.
What we have introduced above is about Hefei's housing policies? What conditions do outsiders in Hefei need to buy a house? In fact, these problems are often encountered in our life. We just say that we can understand some relevant knowledge if necessary. In this way, it will be convenient for us to buy a house. If we want to buy a house in Hefei, what problems should we pay attention to? I believe you should understand it after reading it. I hope we can help you.