Conditions for buying a house in Shenzhen:
1, Shenzhen hukou: 30% down payment for the first suite and 70% down payment for the second suite.
2. Non-Shenzhen hukou: (social security has been purchased for one year, and the supply has not been stopped in the latest year). The down payment for the first house is 30%, and the down payment for the second house is 70% (Shenzhen real estate has been sold and there is a loan record).
3. Non-deep households: without social security, the social security is less than one year or the supply has been cut off in the last year, and they are not eligible to buy a house.
Social security for one year: generally refers to 13 months or more.
Conditions for foreigners to buy a house in Shenzhen:
I. Shenzhen hukou
1, with identification, ID card, household registration book, marriage certificate, etc. ;
2. It is necessary to continuously purchase social security 1 1 month in Shenzhen;
3. Have a valid temporary residence permit in Shenzhen;
4. Provide social security or tax payment certificate for more than one year;
5. Families with the above conditions can enjoy two sets of housing purchase policies.
Second, non-Shenzhen hukou
1, with ID card, household registration book, marriage certificate and other documents;
2. proof of income source;
3. It is necessary to continuously purchase social security 1 year or more in Shenzhen;
4. Have a valid temporary residence permit,
5. Can provide social security or tax payment certificate for more than one year;
6. To meet the above conditions, families can only buy one set.
Shenzhen housing policy:
Shenzhen local household registration does not require social security, and families can buy two suites. If there is a loan record before, the re-purchase of the house will be paid according to the second suite policy, if not, the first suite will be paid.
Reference suggestions for buying a house in Shenzhen:
For home buyers with short working life and limited economic accumulation, it is more suitable for ladder-type or ladder-type home ownership, and it is best to buy a small apartment. Put forward some specific suggestions for reference:
First, before buying a house, you should liquidate your existing cash flow, including deposits, cash and stocks that can be cashed out. According to the cash flow, consider the payment method and the down payment that can be paid, so as to consider the total price of the purchased house.
Second, calculate the family income and expenditure after buying a house. When calculating, income should focus on fixed and reliable sources, such as wages, bank deposit interest, bond interest, etc. Expenditure includes monthly payment, property management fee, water, electricity and telephone charges, normal living expenses, entertainment and education fees, parents' medical expenses, etc. Young couples must set aside a large sum of money if they are going to buy a house.
Third, buying a house after 80s is not about the region, but more about the convenience of transportation and life, such as buying a house in a place with wide bus lines, rail transit or planning prospects.
Fourth, it is suggested to consider a small apartment, and two rooms are a more suitable choice. A room can be used as a study and a children's room in the future, which is more practical. If the economy permits, or after a well-off life, buy a bigger apartment.
Fifth, we should consider educational factors. Most of the houses bought now are auction houses, and it will take more than a year to move in. It's time to consider getting married and having children. Therefore, you must buy a house near the kindergarten primary school after 80.
How to save money by buying a house in Shenzhen?
One of the secrets of saving money:
Choose a decorated house. Finely decorated houses can be moved in directly after delivery, which saves the decoration cost. However, when buying a well-decorated house, we should pay more attention to the delivery standard and don't expect too much.
Secret of saving money 2:
Just-needed families who can make provident fund loans choose a house with a loan of less than 800,000 according to their savings. The general provident fund loan ceiling is 800,000. Choosing all provident fund loans can avoid a lot of interest brought by commercial loans. For example, the total price of the house is controlled at around 6.5438+0.2 million, and only a down payment of about 400,000 is required, leaving all provident fund loans.
Three tips for saving money:
Choose a house with high housing rate. At present, the price of a house with a room rate higher than 80% on the market is closer to the average price in the suite.
Four tips for saving money:
For first-time home buyers, try to choose existing homes or quasi-existing homes. In addition to being able to check in as soon as possible, it also saves rent in disguise and reduces the cost of living.
Five tips for saving money:
Choose a property with a gift area. At present, many properties on the market will introduce promotional measures for giving away the area. In addition to the common balcony with bay windows, there is also the project of giving away 10 square meter small study directly. It should be noted that ask more about the origin of these areas and whether they are written into the contract and other information.
Secret of saving money six:
The price of most weifang in the weifang market of Tao Tao project is lower than that in the centralized sales period. If you can catch up with the right apartment, you can buy a house of the same quality at a lower price and higher cost performance.
Seven tips for saving money:
Buying the subway plate mainly focuses on the surrounding buildings that have not yet opened the subway. In the area where the subway has been opened, the price will inevitably rise because of the track, and the house price is relatively high. Before the track is opened to traffic, we should pay attention to the selection of buildings around the track that will be opened soon and buy a house in time, so that we can enjoy both affordable prices and convenient transportation.
Eight tips for saving money:
Although the property fee is a trivial expenditure compared with buying a house, it is a long-term and continuous expenditure. Buying a house with a lower property cost can save a lot of living costs after moving in.
Shenzhen housing strategy
90 years; Millennials; Generation y; The 90s; Millennial; Generation Y; the Post-90s generation
In recent years, a large number of "post-90s" who graduated from universities have stepped into the society and moved towards different jobs. At the same time, many post-90 s also joined the army of buying houses and gradually started their own journey of buying houses and settling down. In order to make the post-90 s families take fewer detours on the road to buying a house, please take a look at these practical strategies for buying a house:
First, buying a house does not need to be done in one step.
After 90, I just graduated this year. Most of them are still in the initial stage of their careers and their economic income is limited. Most people need their parents to pay for buying a house. We should fully consider the economic situation of the whole family and the economic expenditure ability of children. Parents of the post-90s don't need to blindly pursue a large apartment in one step, because most of the post-90s children have more personalities and ideas, and their requirements for the house will not remain unchanged. Don't be greedy, but want to achieve the effect in one step. Sometimes, it's a good idea to buy a small-sized second-hand house first.
Second, observe the 5 km living radius.
The post-90 s are flamboyant and like to touch new things. For buyers of this age, lots are more important to them. The concept of life circle will evolve into the first choice for future living. You can calculate the time. It takes about 20 minutes to drive from the project location to the nearest business circle, and it takes about 40 minutes at most to take a bus from the project location to the nearest business circle. This distance is more suitable. Take a proper look at the house you bought as the center, and all kinds of supporting facilities are mature within a living radius of 5 kilometers, which is more suitable for post-90 s purchase.
Third, ever-changing apartments are the most practical.
For the post-90s generation, the demand for houses was initially only to meet the needs of living, so it is more suitable for them from a small apartment of 30 square meters to a two-bedroom apartment of about 70 square meters. When choosing a house after 90, try to choose more flexible design space. The post-90 s personality likes fully functional and ever-changing housing. The depth of the house and the size of the studio should be reasonable, and the most important thing is lighting.
The above is about the conditions of buying a house in Shenzhen and the strategy of saving money. I hope it will help friends who are going to buy a house in Shenzhen. People can't live without a house. Buying a house is always a major event in life. I want to buy a house after 80 and 90, and I want to buy a house after 00. In any case, it is always necessary to do your homework before buying a house. It can make you take fewer detours on the road to buying a house.
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