1. Restricted purchase: In the past, the purchase of commercial housing in Chengdu restricted purchase area required payment of social security for 24 months, or continuous purchase of 12 months in case of residence for two years or less. Now, only the limited purchase area account or social security for 12 months is required. The areas that can be purchased from each other remain unchanged.
Second, the number of sets of purchase restrictions: in the past, households with household registration in restricted areas purchased at most 2 sets of commercial housing, while social security families purchased at most 1 set of commercial housing. Now, if you are a second-child family, you can buy another set of commercial housing on the original basis. For example, you have two underage children at home. In the past, you were a registered family and could buy two sets of commercial houses. Now you can buy three sets. In the past, you were a social security family and could only buy one set of commercial housing. Now you can buy two sets.
In addition, in terms of the number of restricted purchases: if the name is full and now you want to buy commercial housing, you can voluntarily rent one or more sets of legal housing under your name to new citizens, young people and other groups in Chengdu, and promise to abide by the relevant policies and regulations of affordable rental housing. You can't go on the market for five years and be included in the management of Chengdu's affordable rental housing management service platform. You can buy another set of commercial housing, and you can only buy another set at most.
Thirdly, in the aspect of restricting the sale of commercial housing, it turns out that commercial housing in Chengdu needs to obtain real estate license for three years before it can be listed and traded, and there is value-added tax within five years. At present, newly purchased commercial houses or second-hand houses can only be traded two years after obtaining the property right certificate or three years after filing the new house (the property right certificate must be obtained). In other words, only newly purchased commercial houses or second-hand houses can enjoy this new deal.
In addition, now when a family's only house is traded, it is exempt from value-added tax, from the original five years to the current two years. In other words, if you want to sell the only house in your family, you have to pay 5% value-added tax before five years, but now you don't have to pay this tax after two years, which is very friendly for many friends who need to sell houses and change houses.
Fourth, loan restriction: the down payment ratio of provident fund will be reduced by 10%, and the maximum loan amount for dual-employee families to purchase the first home will be increased to 800,000. In other words, the down payment of the first suite of pure provident fund loans has become 20%, the second suite has become 30%, and the total loan has increased from 700,000 to 800,000. For example, if you buy a set of commercial housing with a total price of 6,543,800+0,000, and it is the first suite of a dual-employee family, then you can buy it now with a down payment of 200,000. If it is a portfolio loan, the down payment ratio is still calculated according to the commercial loan. In addition, banks in the city, that is, financial institutions, are encouraged to appropriately reduce the down payment ratio and interest rate pricing level, which means that the down payment ratio in Shang Dynasty may also be reduced.
Summary: the qualification of buying a house has become simpler, the number of sets that can be purchased has increased, the period of trading or holding has also shortened, and the interest rate of banks has also decreased. If you just need to buy a house, this is the best opportunity. If you want to improve your housing and meet a suitable project, you will start.
Jindiming Road North Lake opens first.
Sales reference price: the reference average price is 20,000 yuan/m2.
Address: Groups 1, 5, 7 and 8, Longtansi Street and lotus town Community, chenghua district.
Property Tel: 400-8 19-2059 to 3584.