For households that own 1 house and the corresponding loans are not settled, the down payment ratio for applying for commercial personal housing loans shall not be less than 40%.
Fuzhou purchase restriction regulations
Fuzhou's purchase restriction policy is regional:
Among them, Gulou District, Taijiang District, Cangshan District, Jin 'an District, Mawei District (excluding Langqi) and Lianjiang Chengguan District are family units, and two or more commercial houses or second-hand houses are restricted.
Non-registered permanent residence (including eight counties): In line with the conditions for purchasing houses, social security or tax payment certificates accumulated in this city (five districts) for 1 year in the past two years are required, and only 1 set of commercial housing or second-hand housing can be purchased, and the purchase of the second set is restricted.
Note: Purchase of commercial property rights (shops, office buildings, etc. ) or residential property rights 144 square meters or more.
In terms of policies, the five districts of Fuzhou have fully implemented restrictions on purchases, loans, sales and visas. Among the eight counties, Minhou and Lianjiang are strictly regulated, while the policy environment of the other six counties is relatively relaxed.
Housing conditions in Fuzhou
1, household registration in five districts of Fuzhou:
Those with five-city household registration (including collective households) can buy residential commercial housing in five cities, and individuals can buy one set (adult unmarried people); Families (married families) can buy two sets of residential commercial houses.
2. Non-five-city household registration:
If you are not registered in Wucheng District, you can buy a set of residential commercial housing in Wucheng District, but you need to provide the employee social security payment certificate or personal income tax certificate that you have been insured continuously 12 months or more before the date of purchase.
It should be noted that Fuzhou's high-grade residential (property area is greater than 144 square meters) or commercial properties such as shops and office buildings are not limited to purchase. The property area of the above-mentioned residential commercial houses is less than 144 square meters, and: housing reform houses, fund-raising houses, affordable housing, demolition houses and self-built houses are not included in the existing residential units.
For example, a family with household registration in five urban areas owns a set of self-built houses. Because self-built houses are not included in the calculation of existing housing units, the family with household registration in five urban areas has less than two sets of commercial houses 144 square meters. .
What if I can't provide social security/tax payment certificate without household registration?
At present, Fuzhou has lowered the threshold for settlement. Persons under the age of 35 with a bachelor's degree or a graduate degree or above can apply for talents to settle down, and they can obtain the qualification to purchase houses by moving their registered permanent residence into the talent market in any one of the five districts.