First, purchase restriction
(1) quantity
1, Guangzhou household registration residents are limited to 2 sets;
2. Guangzhou household registration adult single (including divorce) purchase restriction 1 set;
3. Non-Guangzhou household registration has been taxed continuously or social security has been paid for 5 years (counting from the date of purchase, not counting overdue payment), and the purchase is limited to 1 set;
4. Non-Guangzhou household registration households are restricted to purchase (including donations) 1 house in Conghua and Zengcheng District;
5. Overseas institutions and individuals purchase houses according to the current relevant policies;
(2) Transfer/gift
1.20 17 From March 30th, residents must obtain the real estate license for two years before they can transfer their ownership or go through the production analysis procedures;
2, enterprises, institutions, social organizations and other legal entities from 2065438+March 30, 2007, the new purchase of housing must be obtained for three years before the transfer;
3. If the house is given to others, it must be 2 years before you can buy the house again;
4. Those who accept housing gifts must comply with the current purchase restriction policy in Guangzhou.
(3) apartment
20 18 and 17. From February 20th, individual residents can purchase apartments whose land was transferred before March 30th, 20 17, and can only transfer them again after obtaining the real estate license for two years.
Commercial real estate projects that sold land after March 30, 2007 are still implemented according to the original policy (namely, the 330 New Deal).
Second, restrict loans.
(1) down payment
1, Guangzhou has no house and no loan (over): the minimum down payment is 30%;
2. Those who have no housing and loan records in Guangzhou: the minimum down payment for commercial housing is 40%, and the minimum down payment for apartments is 70%;
3. Those who have a house in Guangzhou without a loan record/those who have paid off the first home loan: the minimum down payment for commercial housing is 50%;
4. The first house in Guangzhou has not been paid off: the minimum down payment for commercial housing is 70%;
5. Guangzhou has a house: the minimum down payment for an apartment is 70%.
Differentiated housing credit policy
1. For applicants with housing loans within one year after divorce, banking financial institutions shall implement the credit policy of 1 house owned by Guangzhou residents;
2. For borrowers who are adults, unemployed, have no fixed income and whose repayment funds come from other borrowers, banking financial institutions shall implement the credit policy of Guangzhou residents' own housing 1;
3. Guangzhou registered employees have paid in full 1 year or more, and non-Guangzhou registered employees have paid in full for more than 2 years before they can apply for housing provident fund loans.
(3) The down payment cannot be loaned.
Commercial banks, microfinance institutions, internet financial institutions, trust and investment companies and other financial business operators may not issue or issue down payment loans for house purchases in disguised form.
Third, commercial real estate projects.
1. Commercial services shall not be changed to residential use without approval.
2. The planning and construction of commercial service projects and the minimum unit construction area for handling real estate licenses shall not be less than 300 square meters.
3. The first-hand commercial service property can only be sold to the legal entity for business and office, and can only be sold to the legal entity when it is transferred again.
Legal basis:
Notice of the General Office of Guangzhou Municipal People's Government on Further Strengthening the Regulation of the Real Estate Market
The first is to strengthen the housing purchase restriction policy.
(1) Houses (including newly-built commercial houses and second-hand houses, the same below) newly purchased by residents' families (new purchases refer to those purchased from the date of implementation of this circular) shall be transferred or analyzed two years after obtaining the certificate of immovable property rights; Enterprises, institutions, social organizations and other legal entities (hereinafter referred to as legal entities, the same below) must obtain a certificate of immovable property rights for three years before they can be transferred.
(two) the housing gift to others, must be over 2 years before the purchase of housing again; Those who accept housing gifts must comply with the current purchase restriction policy of this Municipality.
(3) Non-local registered households are restricted to purchase (including donations) 1 house in Conghua and Zengcheng District.
The second is to strengthen the differentiated housing credit policy.
In order to prevent and control the credit risk, after studying the self-discipline mechanism of market interest rate pricing, the differentiated housing credit policy in Guangdong Province is adjusted as follows:
(1) For applicants for housing loans within one year after divorce, banking financial institutions shall implement the household credit policy of 1 apartment in this Municipality.
(II) For borrowers who are adults, unemployed, have no fixed income and the repayment funds come from other borrowers, banking financial institutions should further tighten the housing loan conditions and implement the credit policy of 1 house owned by households in this Municipality.
(3) The registered employees in this city have paid in full 1 year or more, and the non-registered employees have paid in full for more than 2 years before they can apply for housing provident fund loans.
Third, strengthen the management of commercial real estate projects.
(a) commercial services (business and office, the same below) real estate projects should be developed, constructed, sold and used in strict accordance with the planned purposes, and may not be changed to residential purposes without approval.
(two) real estate development enterprises to build commercial real estate projects, the minimum division unit shall not be less than 300 square meters, does not meet the requirements, the planning department shall not approve. If a real estate development enterprise changes a commercial real estate project into residential use in violation of the plan, once verified, it will be dealt with severely according to relevant regulations.
(three) real estate development enterprises to sell service houses, the sales target should be legal entities; The commercial service house purchased by a legal entity shall not be used as a residence, and shall be transferred to the legal entity when it is transferred again. Before the implementation of this notice, the purchased commercial service property can be transferred to a legal entity or individual; Individuals can not transfer the real estate license again until they have obtained it for 2 years.