Many cities have policies to restrict the purchase of houses. Since 16 years ago, all localities have implemented restrictions on the purchase of houses, and issued the call of "no speculation in housing". It is to curb the crazy growth of the housing bubble to maintain the harmonious development of the real estate industry. However, this restriction has also troubled some people who need to buy a house, and several curved house purchase methods have been born.
1、 Provide social security or individual income tax certificates as required
In the purchase requirements of purchase restricted cities, outsiders are generally required to meet certain social security conditions. Therefore, if buyers meet this condition, they can buy a house. Xiaobian will give you a simple example:
Shanghai: foreigners need to meet the following requirements when buying a house in Shanghai: buyers should be married; No room in Shanghai; It can provide proof of social security or individual income tax payment that has been paid in the city for more than 5 years since the date of purchase (those who make up the payment at one time will not be recognized).
Xi'an: in the purchase restriction area, buyers without houses in other places can buy a house only if they meet the social security requirements (can provide personal income tax or social insurance certificate for more than 2 years (including 2 years)).
Nanjing: No registered residence in Nanjing can purchase a flat in Nanjing. It should provide 3 years' payment certificate of personal income tax or social insurance certificate (urban social insurance) in Nanjing for 2 years or more.
2、 Settle down first and then buy a house
In cities with purchase restrictions, the conditions for locals to buy houses are more relaxed. Therefore, if outsiders can settle down, they do not need to provide individual income tax or social security certificates. But what are the methods for outsiders to settle down in order to obtain the qualification to buy a house?
1. Talent introduction and settlement: there are talent policies in many cities, which can provide settlement services for high-level passengers who meet the requirements. Take the talent settlement policy in Tianjin as an example: Undergraduates under the age of 40, masters under the age of 45, and doctors are not subject to age restrictions.
2. Unit collective account can buy a house: in some cities, some enterprises can apply for collective account for employees. Collective account has the same effect as local account.
3. Settlement: in some cities, property buyers can settle down according to the way of settlement.
However, it is necessary to remind buyers that they can not buy a house when they settle down. Take Chengdu as an example. In Chengdu, if the new registered permanent residence is less than 24 months, the purchase of a house will also be subject to a series of requirements.
3、 Buy a house in the name of the company
At present, the subjects of purchase restriction orders in cities are ordinary families, including husband and wife and minor children; Therefore, if the subject of house purchase changes from an individual in the family to a unit or company, the situation is different, and most of them are not limited to the influence and restriction of the purchase policy. Although the purchase of houses by units and companies is not limited, the transfer of real estate from units to individuals is still affected by the restricted purchase policy.
Precautions for purchase restriction
First, a certain property tax should be paid every year;
Second, the house bought by the company can be used for rent, which is regarded as the operating income of the company;
Third, the biggest problem for the company to buy a house is that the transaction cost is very high, and the value-added part has to pay 25% value-added tax.
4、 House gift to outsiders
In some urban regulations, the gift of real estate is not limited to the impact of the purchase policy. Taking Wuhan as an example, many people buy houses in Wuhan in the name of relatives and friends, and transfer the house through gift after handling the house property right certificate. The house gift does not require the donee to be qualified for purchase, but the gift needs to bear taxes.
5、 Buy a commercial house
In most cities with purchase restrictions, commercial houses are not affected by the purchase and loan restriction policy (except Beijing). Therefore, buyers can buy commercial houses. However, it should be noted that the nature of commercial houses is office and commercial, the property right period is mostly 40 or 50 years, and the taxes and fees are high, commercial water, electricity and living costs are high. In some first tier cities, policies should also be issued to strictly control the conversion of commercial houses into residential use, so the residential risk is high.
In fact, there are some ways to avoid the purchase restriction policy, such as buying a house or changing nationality, but these are more biased ways. It is necessary for the government to issue such a purchase restriction order. If it is not very necessary, it is better to purchase houses according to the normal release.