Wuhan restricted purchase area
Restricted purchase areas: Jiang 'an District, Jianghan District, Hekou District, Hanyang District, Wuchang District, Qingshan District and Hongshan District, Wuhan East Lake New Technology Development Zone, Wuhan Economic and Technological Development Zone (excluding Hannan), East Lake Eco-tourism Scenic Area, Dongxihu District, Jiangxia District and some areas of huangpi district.
Among them, Dongxihu, Huangpi and Jiangxia are partially restricted, and the specific scope is as follows:
1) Dongxihu District: gold and silver lake, Jinyintan and Wujiashan (east of Beijing-Zhuhai Expressway, south of Shanghai-Chengdu Expressway and west of Fuhe River).
2) Parts of Zhifang, Miaoshan, Da Qiao, Qianlong Island and Zhengdian in Jiangxia District (east of Jiangxia District 107 National Road and north of Shanghai-Chongqing Expressway).
3) huangpi district Panlongcheng (east of Wuhan Outer Ring Expressway, south of Houhu, west of Daihuang Expressway and north of Fuhe River).
4) Starting area of Yangtze River New Town (latest edition in August): the planning scope is Wuhu Pumping Station River in the east, the north bank of the Yangtze River in the south, Yanshui River and Fuhe River in the west, Zhang Gongdi Road in the southwest and Jiangbei Railway in the north. Although the starting area of the Yangtze River New Town extends to the north to the Fourth Ring Road, the scope of the restricted purchase area of the Yangtze River New Town property market has not been adjusted yet, and the buildings such as Qingneng Zhengrongfu and Nande Changjiang City north of Jiangbei Railway have not been restricted.
Unlimited purchase areas: caidian district (all), Xinzhou District (all), Hannan District (all), huangpi district (the area north of Houhu includes Hengdian, Qianchuan, Hankou North and the area north of Zhongjiangbei Railway in the starting area of Changjiang New Town), Jiangxia District (Wulijie and Jinkou) and Dongxihu District (Zoumaling).
Provisions of Wuhan Municipality on Purchase Conditions
(1) Restricted area+local household registration (collective household registration is regarded as local household registration)
Rules for determining the number of sets: recognize Wuhan housing+recognize outstanding residential loans nationwide (the number of sets is not included in the commercial product loans held).
1, the first suite: no room and no loan in Wuhan, you can buy a house in the restricted area, and the down payment ratio is not less than 30%.
2. Second suite: ① If you own 1 suite in Wuhan (whether the loan is settled or not), you will buy 1 suite in the restricted area. The down payment ratio of the second suite is not less than 50%, and the down payment ratio of non-ordinary housing (144 square meters or more) is not less than 70%. However, if there is no loan for the first suite, the second-hand house can be calculated at the interest rate of the first suite as appropriate (the down payment still needs 50%). ③ If there is no room in Wuhan and there is a 1 mortgage loan in the whole country, the general minimum down payment can be 40%.
3. Second suite and above: ① If you own two or more houses in Wuhan, you are not allowed to buy houses in the restricted purchase area. In addition, if there are two or more sets of housing loans in the country that have not been paid off, they may not borrow money to buy a house.
(2) Restricted purchase area+non-local household registration.
1. Conditions for purchasing a house According to Wuhan's purchase restriction policy, non-Wuhan registered households are required to provide proof that they have paid social insurance or personal income tax in Wuhan for two consecutive years (including two years) before the purchase date, and can only purchase 1 house. Note: Some areas (such as Hanyang) do not recognize provincial social security.
2. If the first suite has no room and no loan in Wuhan, buy a house in the restricted area, and the down payment ratio is not less than 30%. 3. If the second suite is located in Wu Hanyou 1 or above, it is not allowed to buy a house in the restricted area.
(3) Unlimited purchase area (Wuhan household registration and non-Wuhan household registration policies are the same).
Only recognize loans but not houses: recognize outstanding residential loans nationwide (commercial product loans are not counted as units). In theory, the minimum down payment for the first suite is 20%, and the minimum down payment for the second suite is 30%. The rule of recognizing the first suite and the second suite is "recognizing the loan but not the house". Whether you have a household registration in Wuhan or a house in Wuhan's name, as long as you don't have a mortgage, buying a house in Wuhan's unlimited purchase area is the first suite.
1, the first suite: the down payment ratio at the policy level is not less than 20%, a few properties can be realized, and many properties require a down payment ratio of not less than 30%.
2. If the second suite has a set of commercial and residential loans under the national name, it shall be regarded as the second suite, and the minimum down payment ratio shall not be less than 30%. In addition, many properties that are not limited to purchase areas generally require a down payment ratio of not less than 40%.
3. If there are two or more sets of commercial housing loans in the name of the whole country for the second suite and above, you can buy commercial housing in full in Wuhan unrestricted purchase area, and loans are not allowed.