As we all know, the house purchase policies in different regions are different, especially the current purchase restriction measures are so strict. For provincial capital cities such as Hefei, it is not possible to buy houses and settle here with money. Because there are conditional requirements for buyers to buy a house in Hefei's house purchase policy. So, what is the housing policy in Hefei? What are the conditions for outsiders to buy a house in Hefei?
What is the housing policy in Hefei?
1, about the household registered residence in the city already has 1 housing in the urban area, can buy second houses, and suspend the purchase of third housing. 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 "Circular" requires strengthening 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."
What are the conditions for outsiders to buy a house in Hefei?
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 on the edge of the suburbs.
The above article gives you a detailed introduction to the policies on buying houses in Hefei and the conditions for outsiders to buy houses in Hefei, hoping to help buyers in need. With the rapid development of urbanization, more and more outsiders come to Hefei to settle down. Therefore, we must pay attention to buying a house and know the provisions of relevant policies first.