At present, the review list of applicants for the third phase of Olympic Sports Vanke's talent-excellent housing has been issued, with 628 groups and 198 sets of talent rooms!
The first step in buying a house is to be familiar with all kinds of buying policies. Today, according to the latest policy, I compiled an article about Suzhou's policies of buying houses, selling houses, school districts, provident funds and loans, hoping to help Suzhou property buyers avoid detours on the road to buying houses.
1, Suzhou purchase restriction policy
1, Suzhou completely lifted the purchase restriction!
You can buy one set in Suzhou City (gusu district, Wuzhong District, Xiangcheng District, Wujiang District, Hi-tech Zone and Industrial Park) and Taicang City and Kunshan City, without social security, tax bills and points! Customers in Shanghai and Jiashan can purchase 3 sets directly in Hu Fen; New Deal for Talents in Yangtze River Delta: College degree or above. Work in Shanghai, pay social security for one month, and you can buy a house in Hu Fen, Wujiang! You can buy 3 sets of talent codes in Kunshan and Taicang (the validity of talent codes is three months); Those who meet the talent identification standards of Suzhou six districts can buy 3 suites (talent certificate issued by the Human Resources and Social Security Bureau is required, valid for 6 months);
2. Unlimited purchase area
Changshu and Zhangjiagang are not included in the purchase restriction.
3. Suzhou household registration purchase restriction requirements
Taking a family as a unit, owning 3 or more properties cannot be purchased again.
2. Suzhou sales restriction policy
1. Forbidden area
Restricted areas: Suzhou City (gusu district, Wuzhong District, Xiangcheng District, Wujiang District, High-tech Zone, Industrial Park) and Zhangjiagang.
2. New house
It shall not be transferred within 2 years after obtaining the certificate of immovable property rights.
3. Second-hand houses
No longer limit the transfer period
Unlimited sales areas: Kunshan, Changshu and Taicang.
Focus on:
From May 9, 2022, if the family is newly born (two children and above), the new house will no longer be sold.
3. Suzhou loan restriction policy
1, the first house
The minimum down payment ratio is not less than 30%
2. Two houses
Housing without loans or housing with loans: the minimum down payment ratio is 30%;
(For households that have a record of buying a house loan, but actually have no room when applying for a loan to buy a house; There is 1 apartment, but there is no housing loan record or the corresponding housing loan has been settled)
(Suzhou housing only)
Housing and loans: the minimum down payment ratio is 60%;
(A resident family owns 1 apartment and the corresponding housing loan has not been settled, and applies for a commercial personal housing loan again to purchase ordinary housing. )
3, the third set of housing above.
For households with two or more houses, commercial personal housing loans will be suspended.
(According to the latest LPR interest rate over five years released by the central bank on August 22nd, the lowest mortgage interest rate in Suzhou can reach 4. 1%).
4. Suzhou provident fund housing loan policy
1, provident fund loan interest rate
1-5 years: 2.75%; 6 to 30 years: 3.25%;
If the housing provident fund is used for personal housing loans for the second time, the loan interest rate is 1. 1 times the benchmark interest rate.
2, provident fund loan down payment
When applying for provident fund loans for the first time, the maximum amount of family loans is 900,000 yuan and the maximum amount of personal loans is 600,000 yuan; The minimum down payment is 20%, and the loanable amount is calculated according to 10 times of the borrower's personal account balance.
The maximum amount of the second provident fund loan is 500,000 yuan for family loans and 300,000 yuan for single loans; The minimum down payment is 50%, and the loanable amount is calculated according to 6 times of the borrower's personal account balance.
3, provident fund loan amount
Apply for provident fund loan for the first time: if two or more loan applicants and * * * loan applicants participate in the calculation of the loanable amount, the maximum loan amount is 900,000 yuan;
If only the loan applicant participates in the calculation of the loanable amount, the maximum loan amount is 600,000 yuan.
If the provident fund loan is used for the first time to purchase ordinary housing with a construction area of less than 90 square meters (inclusive), and the total housing price does not exceed 165438+ ten thousand yuan, the maximum loan amount is 80% of the total housing price.
Secondary provident fund loan: if two or more loan applicants and * * * loan applicants participate in the calculation of the loanable amount, the maximum loan amount is 500,000 yuan;
Only the loan applicant participates in the calculation of the loanable amount, and the maximum loan amount is 300,000 yuan.
For the first time, use the provident fund loan to purchase 90㎡ (inclusive) ordinary housing, and the total housing price shall not exceed 165438+ ten thousand, and the maximum loan amount shall be 80% of the total housing price.
Focus on:
From May 20th, 20021year, Shanghai Provident Fund can buy a house and return it in Wujiang!
From June 1 day, 202 1 1, the housing accumulation fund (off-site accumulation fund) deposited in the provinces and cities outside the administrative region of Suzhou meets the conditions for purchasing houses in Suzhou, and you can borrow money to buy houses in Suzhou!
Scope of application:
Off-site loans refer to housing provident fund loans applied to Suzhou Housing Provident Fund Management Center by employees who have paid housing provident fund in other provinces and cities outside the administrative area of Suzhou and meet the conditions for purchasing houses in Suzhou.
Application conditions:
When employees apply for loans from different places: first, they must meet the conditions of Suzhou housing provident fund personal housing loans; Second, it is necessary to meet the requirements that employees' unused housing provident fund personal housing loans or the first housing provident fund personal housing loans have been settled.
5. Suzhou talent preferential housing policy
The whole area is implemented in the park, and 60% of the houses below 60%160m2 are allocated for each certificate.
Shishan Street in the new district will be implemented, and 40% of the houses will be taken out each time, with no area limit.
1, purchase of outstanding talents in industrial park
Real estate development enterprises shall give priority to the sale of houses with a total construction area of160m2 not less than 60% for single-set commercial houses with pre-sale permits (for the record) in the park.
Special talents recognized by the Talent Office of the Park may apply for priority to purchase a single set of commercial housing with an area of160m2 or more.
2. Talent purchase in high-tech zones
Officially implemented on August 1 day! Bachelor degree or above in social security can give priority to buying a house at the new site of Shishan Street! 40% of the new commercial housing project in Shishan Street can be purchased first!
An applicant and his family (including minor children) can only enjoy the preferential policy of buying a house once.
Applicant:
3. gusu district outstanding talent procurement.
Encourage new commercial residential projects in all parts of the country to give priority to the first purchase of houses by talented families at a rate of not less than 20% of the number of pre-(sales) licensed housing units in the project schedule.
Application conditions:
Talents who have been employed and started a business in our city and have paid social security or individual tax continuously 12 months or more, meet the standards of our city's talent housing project, or high-level families with shortage of talents identified by the municipal talent office, can enjoy 1 time priority housing purchase service, and only buy 1 house.
4. xiangcheng district has excellent talents.
Xiangcheng district talent target:
1, A-F talents who meet the Implementation Opinions on Living and Working in Peace and contentment for Talents in Xiangcheng District (Trial);
2, full-time undergraduate education (intermediate title) talents
Green channel for talents to buy houses:
Full-time talents with bachelor degree or above (intermediate title) who have worked in Xiangcheng District for 3 months can buy houses in this area, and are not restricted by household registration, social security and points. Suzhou outstanding talents, experts and scholars who have made outstanding contributions to the development of Xiangcheng, if they do not have the relevant conditions, can refer to the high-level talents in the area to buy houses.
Preferential priority purchase service:
According to the category of talents, 600-2000 yuan/square meter will be given to the commercial housing projects built or participated in by township state-owned companies, and priority will be given to real estate development enterprises to invest in new real estate projects in the region. Provide free translation and notarization of identity documents and on-site handling services for foreign talents.
Preferential policies for provident fund:
All kinds of talents listed in the catalogue of high-level talents who enjoy the housing provident fund support policy can enjoy the deposit limit of 1.5-4 times if they use the provident fund for the first time, and the provident fund can be processed after being deposited for one month; The deposit of the provident fund can be calculated according to the actual total wages, and is not limited by the upper limit of the deposit base of the provident fund.
Subsidies for settling and renting other talents at different levels:
Talents who are introduced for the first time, individuals and families without their own housing in Suzhou can apply for rental subsidies; After purchasing the first self-occupied house (the only house) in Suzhou, you can apply for resettlement subsidy.
1, top talents: you can get the highest housing subsidy 100000 yuan, and the highest rental subsidy10000 yuan/month;
2. Leading talents: Leading talents of national-level related talent projects and provincial-level talent projects can receive up to 3 million yuan of housing subsidies and up to 6,000 yuan/month of rental subsidies;
3. Other relevant talents: according to the level and category of talents, you can get a settlement subsidy of up to 2.5 million yuan and a rental subsidy of up to 3,000 yuan/month.
5. Wuzhong Economic Development Zone preferential housing purchase policy
Excellent housing in Wuzhong Economic Development Zone is mainly aimed at high-quality high-tech enterprises and high-level talents, who need to work in the development zone and pay social security. Individuals and families have no records of owning houses and buying houses in Suzhou.
Enterprises can enjoy a maximum of 10 suite of excellent rooms, and individuals need to be senior executives and technical backbones in enterprises that meet the above conditions.
Property buyers who apply in their own name must first work in the development zone for 2 years, and individuals and families have no records of their own houses and purchases in Suzhou.
Talents who enjoy the 30% discount include Nobel Prize winners, winners of the highest national science and technology awards, academicians of China Academy of Sciences, academicians of China Academy of Engineering, and members of authoritative academic institutions in developed countries.
Talents who enjoy the 25% discount include distinguished professor, "Changjiang Scholars" who have settled in the Development Zone, winners of the National Outstanding Youth Fund, and winners of the "Hundred Talents Program" of the Chinese Academy of Sciences.
Those who enjoy the 20% discount include the "Changjiang Scholar" Award Scheme (Young Scholars Project) and the winners of the National Science Fund for Distinguished Young Scholars who have settled in the Development Zone.
Those who meet the application conditions of the enterprise will only enjoy the first priority to purchase. Each individual who applies for preferential purchase can only enjoy the preferential purchase policy once. If both husband and wife are qualified to buy a house, a set of excellent housing is restricted.
6. Wujiang Talent Preferential Room.
Real estate development enterprises shall, before the pre-sale permit, randomly select not less than 30% of the pre-sale (sales) permitted houses as the houses for talents to purchase houses in the current project period.
Applicant:
According to the Measures for Talents to Live and Work in Peace and contentment in Wujiang District (Trial) (Wu Ban Fa [2065 438+08] 16), the A-F talents are recognized.
6. Suzhou degree policy
At present, Suzhou Park has a nine-year system, while other areas have a five-year system.
Parents must pay special attention before buying school districts.
If it is a new house, it is generally not divided into school districts. Before handing over the house, the school district has not yet been decided. Don't listen to the sales pitch "We must be this community". Generally distributed nearby.
The nine-year system in kindergarten means that junior high school and primary school are a complete nine-year compulsory education period. Except for registered housing degree holders who enjoy nine-year compulsory education, registered housing no longer provides a second compulsory education degree, and there is no restriction on multiple children in the same family (children who apply for admission must also meet the admission policies of other compulsory education in the park that year).
For example, the last time a newly purchased house used a degree was on September 1 day, 2022, so the new compulsory education degree will not be recognized until August 3 1 day. No matter whether you go to primary school or middle school, you have to wait until nine years before you can provide a second compulsory education degree. )
If it is a second-hand house, you must pay attention to whether there has been a school district dispute before the community. At present, the policies that have great influence on Suzhou property buyers are "moving with citizens" and "nine-year degree in the park"!
7. Calculation of purchase tax
1, new house
The taxes and fees for new houses are relatively simple, and the main things to be paid are deed tax, housing maintenance fund and various miscellaneous fees.
Deed tax on new house:
First suite: less than 90 square meters, deed tax1%; Above 90㎡, deed tax1.5%;
Second suite: less than 90 square meters, deed tax1%; More than 90m2, deed tax 2%;
Three suites: 3% deed tax should be paid regardless of size.
Remarks: The first set, the second set and the third set here refer to the number of complete sets of houses under the family name.
As for the housing maintenance fund, the elevator room 120 yuan/Ping, and the multi-storey 75 yuan/Ping exclude the elevator room (at present, most commercial houses on the market are elevators).
In addition, there are some miscellaneous expenses in the new house (depending on the project)
2. second-hand houses
The expenses involved in second-hand housing transactions mainly include value-added tax and surcharges, deed tax, personal income tax and agency fees.
1. VAT and surcharge
Less than 2 years, ordinary houses and non-ordinary houses need to pay VAT, and the tax rate is generally 5.6%; After 2 years, ordinary houses will be exempted from value-added tax, and non-ordinary houses will be subject to price difference.
2. Personal income tax
Personal income tax shall be exempted for the family's only housing and the purchase time is more than 5 years; If you are not satisfied, pay according to 1%.
3. Deed tax
First suite: less than 90㎡, deed tax1%; Above 90㎡, deed tax1.5%;
Second suite: below 90m2, deed tax1%; More than 90m2, deed tax 2%;
Three suites: 3% deed tax should be paid regardless of size.
4. Intermediary fee
In the process of second-hand housing transaction, the intermediary provides services for the buyer, so it charges a certain service fee, which is generally 1%-3% of the transaction price of the house.
8. Suzhou settlement policy
Regarding settlement, Suzhou City (gusu district, Park, Wuzhong District, Xiangcheng District, High-tech Zone) has many ways to settle down, such as talents, points, renting houses (subject to the conditions of points settlement), and taking refuge in settlement.
And other points settled in Suzhou and Nanjing, big cities in Neneth Province, to realize mutual recognition of residence permit and social security. Explore Suzhou and Wuxi, Changzhou and other qualified metropolitan areas to take the lead in realizing mutual recognition of household registration access years in the same city.
It is worth noting that Wujiang, Changshu, Zhangjiagang, Taicang and Kunshan are also about to bid farewell to their houses.
1, talents settle down
1, the undergraduate course can be settled directly without social security! (no more than 45 years old)
2, the university social security can be settled in 6 months! (no more than 35 years old)
3, applicable to the administrative area of Suzhou!
For details of specific talents' settlement, please consult the receiving units in each district.
2. The integral has been determined
How many points do I have to accumulate to settle down?
On August 3rd1day, Suzhou New Citizen Affairs Center released the latest integral value of the floating population in Suzhou in 2022.
1, 500 points in urban areas (Wujiang District, Wuzhong District, Xiangcheng District, gusu district, industrial parks and high-tech zones).
2, Kunshan City 590 points, Zhangjiagang City, Changshu City, Taicang City 400 points.
Application conditions:
(a) to participate in social insurance in the urban area or county-level city area where the current residence belongs;
(2) legally residing in the urban area or county-level city area where the current residence belongs 1 year or above (including 1 year);
(3) Having a legally stable residence (including lease) in the city or county-level city where the current residence belongs.
Application materials:
1 ID card
2 residence permit
3 household registration certificate
4 marital status materials
5 Family member relationship materials
6 legally stable residence (including lease) materials
7. A statement that the owner or employer with legally stable residence (including lease) agrees to settle down.