The qualifications for purchasing a second suite in Changsha are as follows:
1. The time for issuing the first set of housing real estate certificate is 4 years or the time for online signing is 4 years.
2. Changsha has been registered for 2 years.
3. Married children, or widowed with minor children.
4. Non-Changsha household registration can continuously pay 12 months' house purchase qualification after two years' residence or the month of residence.
Matters needing attention in buying a house
1, buy a house and try to buy the first phase of development. Generally speaking, the price is cheap and the quality is good.
Testing before buying a house is very painful.
3. Don't buy the second floor. Generally, the kitchen sewer is most easily blocked on the second floor. In case of blockage,
When buying a house, be careful not to buy one facing the street. The noise is too loud. Even a small path has the potential to develop into a vegetable market.
5. The outside of the window must be tilted outward, otherwise the sealant on the window will be submerged by the Seventh Army after aging.
6, the screen window must be built-in, otherwise it will be fine to fall to the ground, and it will be difficult to fall on people.
Second, the new policy of buying two suites in Changsha
Hello, Shanghai elite real estate customer service will answer for you: At present, two sets of policies for buying houses in Shanghai are
There is a house in the name (1 house in the name, with a per capita income of less than 35.5), so buying non-ordinary houses counts as two sets. More than 35.5, two sets),
1, if you have a house with your parents before the purchase restriction before marriage, you can't think that you have a house in your name. This is the first set;
2. If you have two sets with your parents before the premarital purchase restriction order, you can get rid of one set. If there is one set left per capita, if Shanghainese are single, they can have one set with their parents as the first set. If you have two sets with your parents, you cannot buy them.
In short, you can go to the trading center for consultation first, thank you, and hope to adopt it.
3. What qualifications do you need to buy a house in Changsha in 2023?
Changsha in 2023
The latest analysis of house purchasing qualification
Changsha household registration (originally from Changsha)
Changsha Hukou (nonlocal)
Non-Changsha household registration (not settled)
talent introduction
soldier
Overseas individuals and institutions
Changsha household registration (originally from Changsha)
Type conditions restrict the purchase of three suites or more.
Married families have no housing in the restricted purchase area (1) and can buy the first suite; 2) After the first real estate license has been processed for 4 years or the online signing has been completed for 4 years, you can buy a second house with 2 or more houses under the name of 1 and rent multiple suites for a long time, so that the original
There are 1 house in the restricted purchase area, and two sets have been purchased after purchasing the first set of immovable property certificate for 4 years or online signing for 4 years.
You can buy another house by renting one of the two suites under your name. After the number of long-term rental units is ≤ 1, you can buy them again.
Adult unmarried (or divorced for two years) has no room in the restricted area, and the purchase is limited to 1 set.
Changsha registered families who rent one set under the name of a single family and give birth to two or more children according to law can buy another set. You can buy three sets if you meet the following conditions. ① One or both spouses are registered in Changsha; ② The current registered family has two or more children and at least one minor child (18 years old); ③ All the children born were born according to law (including legal adoption). Households with household registration in Changsha purchase a third set of commercial housing in the restricted purchase area, and are not subject to restrictions such as paying social security or individual taxes, signing houses online or handling real estate licenses.
Minors are not qualified to buy a house.
Divorce (less than 2 years, divorce related certificates must be provided) The total number of family houses before divorce is more than 2 sets, the total number of family houses before divorce is 1, and the real estate license is over 4 years. Single-parent families are not qualified to buy houses, and single-parent families can be in the restricted purchase area. Buy a set in China (except those who have moved outside the city for less than 2 years and have a household registration outside the city)
Before the divorce, there was no room at home, and a set of commercial housing limited the area. Divorced for one year, the first set 1 set.
After two years of divorce, there is no room to buy the first house, which is not affected by the original spouse's housing information and purchase restriction.
Households in the restricted purchase area are expropriated, but after signing the expropriation agreement for one year, they can apply to Changsha Housing Transaction Management Center to purchase commercial housing according to the number of expropriation sets.
College (technical secondary school) graduates return to their original places, and according to Changsha's family household registration policy, unmarried people are restricted to purchase 1 set, and married people are restricted to purchase 2 sets.
Changsha Hukou (nonlocal)
Type conditions limit the purchase of three suites and
More than one set of qualifications
College students, renters, migrant workers and talents from strong provinces can buy the first suite in the top ten restricted areas 1 month, 1 without a room; 2. Married for 2 years, with 2 or more houses under the name of 1, long-term lease of multiple houses will make the original house
Social security or individual tax investment, divorce with minor children, or widowed with several long-term rental packages ≤ 1.
Settled in Changsha (minor children, and after the first set, meet Changsha restrictions
Demobilization, dependents settled for 2 years; 2 years of social security/a house property certificate for 4 years, you can buy a second set; Purchase policy, you can buy again. 2. Give birth to two children according to law and
Except family) tax; /kloc-the first three suites of the 0/year-old community have been revitalized as the city for renting children in Changsha.
Insurance/tax rental housing, you can buy 2 registered families to meet the demand.
Parents' accompanying children have settled in Changsha for 2 years, and they have settled in Changsha for 2 years according to the family household registration policy. Married or divorced with minor children, or widowed with minor children, and the first house property certificate has expired for 4 years, you can buy the second set of conditions and buy 3 sets. ① One or both spouses are registered in Changsha; ② The current registered family has two or more children and at least one minor child (18 years old); ③ All the children born were born according to law (including legal adoption). Households with household registration in Changsha purchase a third set of commercial housing in the restricted purchase area, and are not subject to restrictions such as paying social security or individual taxes, signing houses online or handling real estate licenses.
1 staff can buy the first suite; 2 have lived for 2 years and are married.
Employees (school collective accounts) have settled in 1 year and social security/individual tax 1 year, or divorced with minor children, or widowed with minor children, and the first suite property certificate has expired for 4 years, they can buy a second set.
College students (school collective accounts) are not qualified to buy a house.
Non-Changsha household registration (not settled)
Type conditions limit the purchase of two sets, three suites and more than one set of qualifications.
There is no room in the family/individual restricted purchase area. Changsha has been in stable employment for 24 months. Social security/tax restriction 1 First suite as rental housing. You can buy two or more houses under your name and rent multiple suites for a long time, which makes the number of original houses insufficient 1 set, which is in line with Changsha's purchase restriction policy and can be purchased again.
College degree or above, no room in the restricted area, stable employment in Changsha, payment of social security (unlimited time), 24-month salary, 24-month residence certificate, 1 set limit.
talent introduction
Type conditions limit the purchase of two sets, three suites and more than one set of qualifications.
The doctor can buy the first set if he lives and works in Changsha. Without social security restrictions, he can buy the first suite 1 set and revitalize it for rental housing. He can buy two or more houses under his name and rent multiple suites for a long time, so that the original number of houses will be one.
There is no room to settle in the talent restricted area of strong province association 1 month, and social security or individual tax is restricted.
Professional and technical personnel have the title of technician or above, have a stable job in Changsha and pay social security (there is no time requirement), and the capital flow and residence certificate of working in Changsha for more than 24 months are limited to 1 set.
A set of high-level talents introduced by the employer is limited to the certificate issued by the talent office.
Key personnel of long-term key enterprises are stationed in long-term key enterprises, and senior managers and technical backbones of scientific research and production are stationed in the group headquarters (foreign enterprises affiliated to the group) to pay social security for 24 months continuously.
Official recruitment 1 set, official recruitment (including provincial recruitment) has been completed for one year or settled for one year, and the official recruitment notice has been issued, and the purchase is restricted.
A certificate issued by the A/B/C/D Talent Office or a green card for talents meeting the requirements of the talent working group of the municipal party committee, limited to 1 set for singles and 2 sets for families.
Changsha Youth Talent Dream Project settled in Changsha Changsha Employment and Social Security Bureau and Human Resources and Social Security Bureau, and issued a certificate of 1 that the first suite can be purchased; 2. If you have been settled for 2 years, married or divorced with minor children, or widowed with minor children, and the first suite property certificate has been completed for 4 years, you can buy a second set.
soldier
Type conditions limit the purchase of two sets, three suites and more than one set of qualifications.
In Changsha, the service place is limited to unmarried people 1 set, and married people have 2 sets. If you have two or more houses under your name, you can buy two houses and rent multiple houses for a long time, so that the original number of houses is a long-term rental number.
The enlistment place is in Changsha, and the household registration is in Changsha. The county conscription office issued the certificate of enlistment in Changsha, the department at or above the regiment level issued the certificate of enlistment in Changsha, and the public security bureau or the police station issued the certificate of household registration before enlistment.
Demobilization/Veteran Resettlement Management Department at or above the county level can purchase the first suite with demobilization/veteran certificate and military resident ID card.
Overseas individuals and institutions
Limit the purchase of three suites and apartment conditions, and have more than two sets of qualifications.
Overseas individuals 1 eligible for purchase under the purchase restriction policy 1 set; 2 get ABCD talent green card and enjoy Changsha household registration purchase policy; 3. For key enterprise executives, the purchase of houses shall be handled according to the talents of key enterprises in the park; 4 You can buy a house in Liuyang and Ningxiang non-restricted areas; 5 When purchasing non-residential commercial houses (business apartments, office buildings, shops, etc.). ) No, residents of China, Hong Kong, Macao and Taiwan are required to submit proof of work, study or residence and a written commitment of self-occupation; Other overseas individuals submit proof of working for more than one year and a written commitment to revitalize the first suite as a rented house. They can buy two houses with two or more houses under their names and rent multiple houses for a long time, so that the original number of houses is a set of long-term rental.
Overseas institutions are not allowed to buy commercial housing in Changsha; You can buy self-occupied and self-occupied non-commercial houses that meet the actual needs. When filing without restriction, a written commitment of self-occupation is required.
Special instructions
1. Local registered families who have given birth to two or more children according to law can obtain an additional set of housing qualifications; 2. Stable employment means working in Changsha and paying social security (or individual tax) 12 months continuously from the month of purchase;
3. Commercial housing purchased in the restricted purchase area must be listed and traded after obtaining the real estate ownership certificate for 4 years;
4. After the divorce, if either party purchases commercial housing within 2 years, the number of houses it owns shall be calculated according to the total number of families before the divorce;
5. Married families who have settled in Changsha for more than 2 years can buy a second suite with the first suite property certificate for 4 years or the online signing for 4 years;
6 citizens to revitalize the stock of housing for rental housing, not included in the calculation of family housing units; At the time of qualification examination, if 1 set or above houses are revitalized by families for lease, the total number of family houses will be temporarily reduced in accordance with the principle of "one household reduces 1 set".
Fourth, Changsha's latest policy on the qualification of buying a second home.
For households registered in this city who own 1 house in this city, they can only buy the second set of commercial housing after obtaining the real estate ownership certificate for the first set of housing for 3 years. In order to further curb the speculative demand for non-local household registration, the time required for non-local household registration to purchase 12 months or more tax payment or social security certificates will be increased to 24 months.
1. Commercial housing (including second-hand housing, the same below) purchased in this city can not be listed and traded until it has obtained the real estate ownership certificate for 3 years.
2. For individual families and collective families in this city who have no houses after the implementation of this notice, the purchase of 1 set of commercial housing is restricted.
3. If a household registered in this city owns 1 house in this city, it will be three years after the first house has obtained the certificate of real estate ownership before buying the second set of commercial housing.
4. Non-local registered families who have no houses in this city are restricted to purchase 1 set of commercial housing with the proof of continuous payment of personal income tax or social insurance for more than 24 months in Changsha.
5. The restricted purchase area is adjusted to the administrative area of this Municipality (excluding Liuyang City and Ningxiang City for the time being).
The first suite has not been paid off. Can I buy a second suite?
1, you can buy a second suite.
2. Hunan Provincial Provident Fund Center indicated that it has not yet received the official documents, and it is still handled according to the previous policy. That is, for those who have used the loan to purchase the first home, but the loan has been settled and the property has been transferred and cancelled, and now apply for a housing provident fund loan to purchase ordinary self-occupied housing, the down payment ratio is not less than 40%.
3. Regarding the policy of "reapplying for housing provident fund with a low down payment of 30% to buy a house" after the loan is settled, the above-mentioned person in charge said, "This change is relatively large, and the specific policies of Changsha will be adjusted after research.
4. Relevant persons of Changsha Housing Provident Fund Management Center said that the provision of "using housing provident fund loans to purchase the first set of ordinary self-occupied housing with a down payment as low as 20%" in the New Deal has actually been implemented in Changsha. According to the current policy, if employees' families buy the first suite with an area of less than 90 square meters, the low down payment ratio is 20%.
The above is the second suite policy in Changsha. What is this? Can I buy a second suite without paying off all the contents of the first suite? If you don't have to repay the loan, you can buy a second suite. If it is not necessary, ordinary families do not recommend this practice. Anyone who has bought a house knows that the mortgage pressure is not small. If it is a loan for two houses, the pressure is harmful to both body and mind.