1. Is Wuhu restricted?
Since Xiamen implemented the sales restriction in March 2007, more than 60 cities across the country have followed suit, including many third-and fourth-tier cities. 2065438+May 2007, Wuhu also introduced a sales restriction policy. Newly-built commercial housing purchased by residents must be transferred after obtaining the property right certificate for two years.
Although the limited sale time is only 2 years, it is based on obtaining the real estate license. Coupled with the delivery time, the actual freezing period is more than three or four years, and the power of the policy can be imagined.
What conditions do foreigners need to buy a house in Wuhu?
1. Agree to use the house purchased by Wuhu as collateral.
2. The borrower's age in Wuhu, plus the loan period, cannot exceed 65 for men and 60 for women.
3. Have full capacity for civil conduct in Wuhu and have permanent residence or valid residence status in China.
4. Must pay a down payment of not less than a certain percentage of the total purchase price of Wuhu.
5. Have a stable job and an economic source in Wuhu, have good credit, and have the ability to repay the loan principal and interest.
6. A contract or agreement has been signed for the purchase of housing in Wuhu.
Second, 20 19 Wuhu purchase restriction policy
1. Strict commodity housing price filing. The Municipal Development and Reform Commission (Price Bureau) and the Municipal Commission of Housing and Urban-Rural Development will strengthen the price filing management of newly applied pre-sale permits, and reasonably determine the price according to the floor land price of buildings with the same area and quality.
2. For enterprises that do not accept price guidance, they will not handle price filing for the time being and will not issue pre-sale licenses for the time being; Clean up the items with recorded prices, correct the obvious price deviation, and suspend the online signing for enterprises that do not accept the correction and turn to existing home sales.
3. The single pre-sale area of the property is not less than 20,000 yuan (except the real transaction price is less than 6,000 yuan/yuan).
4. For newly transferred land development projects, only when the construction progress of the main image of high-rise buildings reaches one-third of the total number of floors and the construction progress of the main image of multi-storey buildings reaches plus or minus zero (including underground parts) can the pre-sale permit for commercial housing be handled (except for buildings with actual transaction price below 6,000 yuan/square meter).
5. Newly-built commercial housing purchased by residents (the newly-purchased commercial housing after the publication of this article is subject to the date of online signing) can only be transferred after obtaining the property right certificate for 2 years.
6. The properties that meet the pre-sale conditions shall apply for pre-sale permit within 15 days and be listed once within 7 days. It is forbidden to hoard property.
On July 1 day, Wuhu implemented a record price limit, stipulating that the real estate whose actual sales price is lower than 5% of the record price needs to go through the price declaration formalities again, and all enterprises that do not accept the correction will suspend online signing and switch to existing home sales. The filing price is also clear, and the increase within half a year shall not be higher than 5%.
Third, Wuhu's first loan policy for buying a house
For the loan interest rate and provident fund policy that buyers are more concerned about, the above notice clearly stipulates that the financial department will implement the preferential policy of 30% down payment for the first set of ordinary housing and 30% discount for the lower interest rate limit. For 1 set housing families who have settled the corresponding housing loans, in order to improve their living conditions, if the financial department applies for loans to buy ordinary commercial housing again,
In addition, fully implement the financial policy of reducing the down payment ratio of the second suite to 40%; Wuhu provident fund loans were further relaxed. In addition to the adjustment of the loan period of individual housing provident fund to 25 years, the down payment ratio has also been adjusted.
The loan for purchasing new commercial housing is 20%; The purchase of second-hand houses shall be adjusted according to the service life of the houses, of which: 10 years or less accounts for 20%; /kloc-30% from 0/0 to 20 years (inclusive); 40% in 20 years.
The depositor agrees to issue the loan according to the loan amount corresponding to the monthly deposit when the deposit balance reaches110 of the loan amount.
In addition, the amount of loans for both husband and wife has also increased. The total monthly deposits of both parties exceed 1.600 yuan is less than 2,800 yuan (inclusive), and the loan amount is adjusted to 400,000 yuan; If the total monthly deposits of both parties are more than 2,800 yuan, the loan amount will be adjusted to 500,000 yuan.
The reporter noted that the opinions issued by Wuhu City also showed support for the introduction of talents and the purchase of owner-occupied housing by low-and middle-income families.
Full-time undergraduate degree or above, with a per capita monthly income of less than 2000 yuan (inclusive), will buy the first house (except villas) in Wuhu city in the future. When applying for housing provident fund portfolio loan in Wuhu Huiju Housing Finance Co., Ltd., the loan interest rate is 10% of the benchmark interest rate of individual housing mortgage loan stipulated by the People's Bank of China.
The above-mentioned "Notice" also explicitly supports shed reform residents to purchase housing. Families included in the shed reform can apply for housing provident fund loans again in accordance with the individual housing provident fund loan policy, with a down payment ratio of 30% and the benchmark interest rate for individual housing provident fund loans.
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