1, adjust the purchase restriction period of commercial housing. Deep households and adult single (including divorced) families must have settled in this city for 3 years, and can provide proof that they have paid personal income tax or social insurance in this city for 36 months or more before the date of purchase, before they can buy commercial housing. Non-deep households and adult singles (including divorced) continue to buy commercial housing in accordance with the provisions of the city for five years or more of personal income tax or social insurance certificate before the date of providing proof of purchase. If the husband and wife are divorced, if either party purchases commercial housing within 3 years from the date of divorce, the number of houses it owns shall be calculated according to the total number of families before divorce;
2. Improve differentiated housing credit measures. On the basis of the national unified credit policy, according to the changes of the real estate market situation in our city and the self-discipline mechanism of market interest rate pricing, the lower limit of individual housing loan interest rate in our city is reasonably determined. According to the relevant provisions of the People's Bank of China, we hereby put forward the following requirements on the differentiated housing credit policy agreed by the self-discipline mechanism of Shenzhen market interest rate pricing:
(1) If the purchaser's family name has no house in this city and there is no record of commercial housing loan or provident fund housing loan, the policy of 30% minimum down payment will continue to be implemented;
(2) If there is no housing in this city under the name of the purchaser's family but there is a record of commercial housing loan or provident fund housing loan, the down payment ratio for purchasing ordinary housing shall be no less than 50%, and the down payment ratio for purchasing non-ordinary housing shall be no less than 60%;
(3) If the purchaser owns 1 apartment in this city under the family name, the down payment ratio for purchasing ordinary housing loans shall be no less than 70%, and the down payment ratio for purchasing non-ordinary housing loans shall be no less than 80%.
3. Give play to the role of tax adjustment. Update the tax reference price of stock houses (second-hand houses) transactions, so that the tax reference price is closer to the market price; At the same time, the period of exemption from value-added tax for individual housing transfer will be adjusted from 2 years to 5 years;
4. Refine ordinary housing standards. Ordinary housing enjoying preferential policies should meet the following conditions at the same time: the floor area ratio of residential buildings is above 1.0 (inclusive); The construction area of a single house is below 120 (inclusive) square meters or below 144 (inclusive) square meters; The actual total transaction price is less than 7.5 million yuan (inclusive);
5. Strengthen the sales management of hot real estate. For hot real estate projects with high social concern and a large number of people who are expected to purchase houses, real estate development enterprises should formulate real estate sales plans according to the principle of giving priority to meeting the needs of families without houses and the length of time to pay personal income tax or social insurance in this city, strictly control the number of subscribers, and reasonably determine the proportion of housing and subscribers. The real estate sales plan shall be reported to the local district housing construction department for the record;
6, the implementation of housing mortgage contract online management. Further improve the "trinity" system of transaction price, evaluation price and registration price. The house mortgage contract shall be signed online through the real estate information platform, and the house mortgage contract that is not signed online shall not be registered for property rights;
7. Increase the information disclosure of second-hand housing transactions. Timely release the reasonable transaction prices of second-hand houses in hot areas and hot properties, and guide the rational market transactions. Intermediaries shall timely and accurately submit relevant data such as listing and transaction information of second-hand houses to the municipal housing construction department, and be responsible for the authenticity and accuracy of the reported data. Intermediaries that fail to report, report or conceal shall be suspended from their online signing authority according to law and incorporated into the credit system of the real estate industry for joint punishment;
8. Severely crack down on illegal activities in the real estate market. We will continue to rectify the order of the real estate market, and take measures such as interviews, suspension of online signing, suspension of business for rectification, cancellation of business qualifications, and revocation of business licenses for real estate development enterprises, intermediaries, employees, various loan entities and individual owners who are suspected of hoarding real estate, increasing prices outside the price, publishing false housing, maliciously driving up housing prices, illegally misappropriating various credit funds to enter the real estate market, and fabricating and disseminating false statements. Relevant illegal information is publicly exposed and incorporated into the real estate industry credit system and public credit information system for joint punishment.
Conditions for buying a house in Shenzhen in 2023:
1, Shenzhen and Shanghai: Families and adult singles (including divorced) in Shenzhen and Shanghai must have settled in this city for three years, and can provide proof that they have paid personal income tax or social insurance in this city for 36 months or more before the date of purchase, before purchasing commercial housing;
2. Non-deep households: Non-deep households and adult singles (including divorced) continue to pay personal income tax or social insurance certificates in this city for five years or more before providing proof of purchase, before purchasing commercial housing;
3. Divorce between husband and wife: If one of the husband and wife is divorced, if either party purchases a commercial house within 3 years from the date of divorce, the number of housing units owned by it shall be calculated according to the total number of families before the divorce.
To sum up, the moderate relaxation of Shenzhen's real estate control policy in 2023 is the need of Shenzhen's economic recovery and the need of just-needed property buyers. Meet certain conditions, you can buy commercial housing in Shenzhen.
Legal basis:
"Shenzhen real estate management regulations" fourteenth
The following parties may purchase commercial houses in Shenzhen:
(1) Residents with permanent residence in this Municipality;
(2) Non-local residents over the age of 18 who have held temporary residence permits in this Municipality for five years and are law-abiding;
(3) Enterprises, institutions, social organizations and other organizations registered in this Municipality and established with the approval of the municipal government.