According to the Notice of the Office of the Municipal Government on Further Promoting the Stable and Healthy Development of the Real Estate Market in Our City issued on August 30, 2020, the main contents are as follows:
Adjustment of purchase restriction policy
On the basis of the existing housing purchase restriction policy, the restrictions on the number of divorced families buying houses have been increased. If the husband and wife are required to buy commercial housing within two years after divorce, the number of houses they own shall be calculated according to the number of houses owned by the family in the urban area of this city before divorce. That is to say, within 2 years from the date of divorce, before the divorce, the family owned commercial housing 1 set in the urban area of this city, and new commercial housing 1 set can be purchased in the urban restricted area; Before the divorce, there were 2 sets of commercial houses in the city under the family name. After the divorce, both parties are not allowed to buy new commercial housing in the urban restricted purchase area. While meeting the reasonable housing demand, people should be prevented from obtaining the qualification of buying houses through "fake divorce".
Adjustment of individual housing transfer policy
The time to restrict the transfer of housing purchased by households is still two years, but the time limit for the collection and exemption of value-added tax on individual housing transfer in cities and towns (excluding key areas for shantytown renovation) has been adjusted. The title certificate can be transferred after two years, but it must be five years before you can enjoy the preferential policy of exemption from value-added tax for individual housing transfer, and you need to pay value-added tax for two years but less than five years. If the filing time of individual housing transfer contract is before the date of publication, the period of exemption from value-added tax shall be implemented according to the original policy; If the filing time of individual housing transfer contract is on or after the date of publicity (August 30, 2020), the new policy shall prevail.
Adjustment of loan policy
For first-time buyers who have no housing and no loans, the minimum down payment ratio of 30% will continue to be implemented, and the provident fund loan policy has not been adjusted. Just-needed residents are not affected by the new policy. However, for families who already own a house and the corresponding housing loan is not settled, if they apply for commercial personal housing loans to buy commercial housing again, the minimum down payment ratio will be adjusted from 40% to 60%.
For a more detailed explanation of the policy, click gt. gt； gt；
Policy source:
The main contents of the new "September 25" purchase restriction policy
1. Adjust the purchase restriction policies of Liangxi District, Binhu District (excluding Mashan), Wuxin District (excluding Hongshan), Huishan New Town and Dong Xi New Town.
Suspend the sale of new commercial housing to households with household registration in this city that already own 2 or more houses;
Continue to suspend the sale of new commercial housing and second-hand housing to non-local households with 1 set or above housing;
When applying for housing purchase, non-local registered families should provide proof that they have paid social insurance or personal income tax for more than 2 years in this city (except for non-local registered high-level talents introduced according to the relevant talent policies of provinces and cities).
Second, adjust the provident fund loan policy.
To support reasonable housing demand, the down payment of the first set of urban provident fund loans is still not less than 20%, and the down payment ratio of the second set of provident fund loans is raised to not less than 40% of the total housing price.
Three, increase the commercial housing sales (price) to raise efforts.
During the year, no less than 2 million square meters of low-priced housing such as commercial housing will be raised, and the supply structure of commercial housing will be further optimized to meet the reasonable housing needs of citizens.
Fourth, strengthen the rectification of the real estate market. All departments should strictly perform their duties, strengthen departmental cooperation, constantly rectify the market order, and resolutely crack down on all kinds of illegal acts of real estate development enterprises and intermediaries.
Fifth, strengthen financial supervision. The People's Bank of China and banking supervision departments should take measures to prevent consumer funds from entering the real estate sector through abnormal channels such as cash installment and consumer loans, and seriously investigate and deal with illegal funds such as "down payment loans" from entering the real estate market.
Six, Jiangyin City, Yixing City, according to the zoning control objectives and tasks, with reference to the corresponding real estate control policies introduced by the city, further implement the main responsibility of stabilizing the real estate market, curb the excessive rise in housing prices, and ensure the realization of the control objectives.
The initial policy is as follows:
The main contents of the purchase restriction rules:
1. To purchase new commercial housing and apply for provident fund loan, a subscription agreement has been signed before 24: 00 on September 25, 20 17, and the deposit or house purchase price can be paid, and valid bank transfer vouchers (POS machine purchase slip, house purchase transfer bill, etc.) can be provided. , the payee needs to sell the house) is not within the scope of purchase restriction!
The adjustment of the purchase restriction policy will be implemented from 24: 00 on September 25, 20 17. The purchase of housing and application for provident fund loans shall be subject to the filing time of contract online signing.
2. Policy-oriented housing such as commercial housing, land acquisition, demolition and resettlement housing, and affordable housing that are fixed for sale (price limit) before listing and trading are not included in the restricted purchase quantity.
3. Non-local high-level talents who meet the relevant talent introduction policies of provinces and cities refer to non-local household registration personnel (including masters) who have established social security relations in our city with deputy senior titles or master's degree or above.
4. Jiangyin and Yixing registered residents purchase houses in urban areas, and implement the policy of purchasing houses for urban registered residents.
5. When purchasing a house, a non-registered family in this city shall provide a social security or individual tax certificate that has been paid continuously in this city for more than 2 years (inclusive) before the date of purchase. Non-local households without housing who have paid social security or individual taxes for more than 2 years in Jiangyin and Yixing can buy a new house in the urban area.
Note: The payment of social security can only be initiated by the employer, and only the unpaid part of the employer can be paid. The estimated time is two years from the application for payment, subject to the audit results of the labor inspection department.
6. Servicemen who are registered in this Municipality before serving shall implement the policy of purchasing houses by registered residents in this Municipality with valid certificates.
7. Servicemen stationed in this city and college students studying in this city, who have no housing in this city, can buy a new set of housing in the urban area with the certificate of service or study for more than 2 years (inclusive) issued by the unit.
8. The object of purchase restriction is the household registration, and the family members include both husband and wife and minor children; If family members of non-registered residents purchase houses by means of real estate, all buyers must comply with the purchase restriction policy.
9. Gifts between non-immediate family members should comply with the purchase restriction policy.
10. Legal documents that come into effect through courts or arbitration institutions and real estate acquired through inheritance are not affected by the purchase restriction policy.
3. Non-Wuxi registered households have provided social security or tax payment certificates for more than 2 years before the date of purchase! Non-Wuxi registered houseless households who have paid social security or individual tax for more than 2 years in Jiangyin and Yixing can buy a new house in the urban area.
FREQUENTLY ASKED QUESTIONS
Question 1: Does the listed resettlement house also belong to the scope of second-hand housing, and do foreigners need to pay the corresponding social security or tax payment certificate when purchasing it?
A: Policy-oriented housing such as commercial housing, land acquisition, demolition and resettlement housing, and affordable housing before listing and trading are not included in the number of restricted purchases. The resettlement houses that meet the listing requirements also belong to the scope of second-hand houses and are a kind of stock houses in Wuxi.
Question 2: If one of the non-Wuxi registered couples meets the social security or individual tax requirements for two years or more, and the other does not, it is necessary to buy a new commercial house in the name of the husband and wife. The real estate license must have the names of both husband and wife. Is it okay?
A: The object of purchase restriction is households with registered residence, and family members include both husband and wife and minor children; If family members of non-registered residents purchase houses by means of real estate, all buyers must comply with the purchase restriction policy.
Question 3: At present, the existing real estate in Wuxi is given to relatives with foreign household registration, and relatives have not paid social security or individual tax in Wuxi. Can it be operated?
A: Gifts between non-immediate family members should comply with the purchase restriction policy. Parents and children belong to immediate family members.
Question 4: Do foreigners need to provide corresponding social security or tax payment certificates when buying a house in Wuxi?
A: The areas that have not been restricted are still subject to the previous restriction policy. Foreigners can buy a new commercial house or a second-hand house in Wuxi. There is no need to provide social security or tax payment certificate.
Question 5: What if one of the husband and wife is a local and the other is a foreigner?
A: 1 If the family members are registered in this city, they are temporarily recognized as registered in this city.
Question 6: What circumstances of registered households in this city are not included in the scope of purchase restriction?
A: Policy-oriented housing such as commercial housing, land acquisition, demolition and resettlement housing, and affordable housing before listing and trading are not included in the number of restricted purchases.
Question 7: College students studying in this city, who have no housing in this city, can buy a new house in the urban area with the certificate of studying for more than 2 years (inclusive) issued by the unit. "Undergraduate students are eligible?
A: Including.
The original rules are as follows:
Main contents of "5 20" purchase restriction policy
1, regardless of commercial housing or second-hand housing, foreigners are only allowed to buy one set.
No matter whether it is the first time to buy a commercial house or a second-hand house, the policy does not make special requirements for the social security payment conditions of Wuxi foreign customers.
2. Individual housing is restricted for sale within 2 years, and corporate housing is restricted for sale within 3 years.
The purchase of housing (including second-hand housing) shall not be transferred within 2 years after obtaining the certificate of immovable property rights; The houses (including second-hand houses) purchased by legal entities shall not be transferred within 3 years after obtaining the certificate of immovable property rights.
3. Standardize the intermediary industry and comprehensively supervise the transaction funds of stock houses.
Further standardize the behavior of real estate brokers, strengthen the management of second-hand housing online signing, and comprehensively carry out the supervision of stock housing transaction funds.
The supervision of stock house transaction funds mainly means that the second-hand house buyer deposits the transaction funds into the special account for the supervision of stock house transaction funds, and after completing the house transfer registration procedures, the supervision institution transfers the supervision funds to the bank settlement account of the second-hand house seller. At present, the transaction funds of stock houses in Wuxi are still in the "custody" stage, that is, the parties voluntarily decide whether to hand over the funds to the regulatory authorities for management. The formal proposal of "Tin Four Articles" means that the supervision of transaction funds of Wuxi stock houses is about to be put on the agenda.
Main contents of the detailed rules
1.20 17 From 24: 00 on May 20, the sale of second-hand houses to non-local residents who already own 1 sets or more houses will be suspended, and the specific time will be subject to the filing time of the contract online signing; Continue to suspend the sale of new commercial housing to non-local households with 1 set or above housing; Gifts between non-lineal relatives should comply with the purchase restriction policy, and residents with household registration in Jiangyin and Yixing should implement the policy of purchasing houses for urban residents.
2.20 17 The house that obtained the certificate of immovable property right after 24: 00 on May 20th can only be transferred after 2 years (3 years for legal entity) from the date of obtaining the certificate of immovable property right. The first transaction of resettlement housing listing is not restricted by this regulation.