First, Xuzhou's policy of restricting purchases and sales.
Unlimited purchase: Xuzhou is currently adopting an unlimited purchase policy, that is to say, both Xuzhou locals and foreigners can buy a house in Xuzhou.
Restricted sales: from June 2065438+2007, Xuzhou property market entered the restricted sales stage; On June 5, 20 18, Xuzhou was restricted from selling and upgrading, and the municipal government issued relevant office documents, requiring that commercial housing be listed and traded for at least 2 years from June 8, 20 18.
The main contents include the following three points:
1, Xuzhou urban household registration households own a set of housing, and the commercial housing is less than 2 years from the date of ownership registration or the online preparation time of the new commercial housing sales contract is less than 5 years, so they are not allowed to go public;
2. Urban households own two or more houses, and non-urban households own 1 house or more. If the commercial housing is less than three years from the date of ownership registration or the sales contract for newly-built commercial housing is less than six years, it may not be listed and traded;
3. When selling commercial housing, it shall provide the proof of the housing status of residents' families issued by the real estate registration management department.
202 1 Xuzhou's latest and most comprehensive housing purchase policy ↓↓↓↓
Second, Xuzhou loan policy
At present, most people will take loans when buying a house. At present, there are three mainstream loan methods in Xuzhou, namely: commercial loans, provident fund loans and portfolio loans.
1, commercial loan
Xuzhou commercial loan has a minimum down payment of 30% for the first suite and 40% for the second suite. Most banks recognize loans and houses.
Some time ago, my colleagues investigated the mortgage interest rates of some banks in Xuzhou. The survey results show that the first mainstream is about 5.5% and the second mainstream is about 5.7%. You can refer to it
It is worth noting that since the data is updated every month, if there is any change, the bank announcement shall prevail. Specific information can also contact the relevant bank.
① First home mortgage interest rate: minimum 5.4%!
② Second home loan interest rate: minimum 5.7%!
It is worth noting that the speed of lending mainly depends on two aspects: first, the qualification of loan customers; Second, the mortgage situation of the loan customer, whether it is the area or age of the mortgaged house, will affect the approval speed to a certain extent.
In addition, since 20 19 and 10, commercial loans have implemented the LPR interest rate, and the latest LPR interest rate is announced on the 20th of each month.
According to the latest data of the central bank, the LPR of 202 1 year and 1 month, 1 year is 3.85%, and it is 4.65% for more than five years, which is the same as last month! Since April 2020, LPR has remained unchanged for 10 month.
As for whether the LPR will be lowered in the future, some experts said that the motivation for the quotation bank to raise or lower the LPR in the future will not be too great.
This means that the mortgage market in Xuzhou will remain stable in the future, and there will be no sharp increase or decrease in mortgage interest rates. For those who want to buy a house in Xuzhou, now is also a good time to buy a house.
2. Provident fund loans
From June 24, 2020, Xuzhou implemented a new version of the provident fund policy, including a maximum loan of 500,000 for individual provident fund in Xuzhou City and a maximum loan of 700,000 for both husband and wife; The county personal provident fund can borrow up to 400,000 yuan, and both husband and wife can borrow up to 500,000 yuan.
In addition, if the balance of urban workers' provident fund meets certain conditions, the maximum withdrawal+loan shall not exceed 900,000 yuan regardless of unilateral application or application by both parties.
Provident fund loan conditions, permanent residence in cities and towns or other legal and valid residence status;
Have a stable income, good credit and the ability to repay the principal and interest of the loan;
There are legal and effective proof materials for the purchase and construction of housing;
Having assets recognized by the provident fund center as collateral or pledge, or a guarantor with sufficient compensation ability;
Meet other conditions stipulated by the municipal provident fund center.
Units and individuals have established a housing provident fund system. Employees who have paid the housing provident fund continuously, on time and in full for more than 6 months before the month of applying for a loan may apply for a loan.
② Calculation formula of provident fund loan amount: * repayment ability coefficient-total monthly repayment amount of the borrower's existing loan * loan term.
* repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife * loan term
Total monthly salary = monthly contribution of provident fund/individual repayment ability coefficient: calculated at 40%.
③ Duration of provident fund loans: the longest period for employees to apply for provident fund loans shall not exceed 30 years; And the maturity date of the loan shall not exceed 5 years after the statutory retirement time of the borrower; At the same time, it shall not exceed the remaining service life of the purchased house.
(4) Loan process: center acceptance → bank signing loan contract → guarantee company handling guarantee and mortgage → bank lending.
⑤ Precautions for transferring commercial loans to provident fund loans: commercial loans have been settled; Ensure that the property right certificate of the house has been properly handled; The borrower has good personal credit and no bad credit record; It is suggested that you bring the purchase contract, loan contract, ID card and personal credit report to the central business outlets for specific consultation before settling the commercial loan, and then confirm whether to settle the commercial loan at one time.
3. Portfolio loan
On May 8, 20 19, Xuzhou Housing Provident Fund Management Center issued the Notice of Management Measures for Individual Housing Provident Fund Portfolio Loans in Xuzhou, and the portfolio loan policy was implemented from June 19.
(1) Conditions for handling portfolio loans: (1) Purchase of commercial housing or stock housing is the only housing; The first use of provident fund.
② Requirements for handling portfolio loans: The maximum amount of portfolio loans shall not exceed 70% of the total price of purchased commercial houses; The first loan of the stock house shall not exceed 60% of the total house price; The maximum proportion of portfolio loans shall not exceed the published maximum proportion of housing provident fund, and the total amount of down payment plus portfolio loans shall not be higher than the total amount of house purchase. Housing provident fund loans and commercial housing loans must have the same loan life; The minimum loan period of housing provident fund portfolio is 1 year, and the maximum loan period is 30 years. The loan maturity date shall not exceed 5 years after the borrower's national statutory retirement age.
③ Banks that can handle portfolio loans: Postal Savings Bank, Xuzhou Branch of China Construction Bank, Huaihai Rural Commercial Bank and Huaxia Bank.
Third, Xuzhou settlement policy
At the end of 20 19, the website of Jiangsu Provincial People's Government published the Implementation Opinions on Promoting Non-registered Population to Settle in Cities, which refined the objectives and tasks and defined the work measures.
The Jiangsu Provincial Public Security Department made a detailed interpretation of this. Among them, the policies on Xuzhou settlement are as follows:
Fully liberalize the restrictions on the settlement of graduates from universities and vocational colleges, returned overseas students and skilled workers.
For the new generation of migrant workers who have joined the army and have the ability to work stably in cities, the agricultural floating population who work and live in cities and migrate with their families, and those who have legally stable residences, legally stable employment and participate in urban social insurance and apply for residence permits, themselves, their spouses, unmarried children, parents, etc. Those who live and live together can apply for registration of permanent residence in the local area. You can set the requirement that you can participate in urban social insurance for no more than 5 years.
In addition, Xuzhou currently implements the hukou access policy that is conducive to the introduction of talents, the hukou access policy that encourages housing purchase, the hukou access policy that encourages investment, the hukou access policy that encourages business, and the "three refuge" hukou migration policy. Eligible people can settle in Xuzhou. Details are as follows:
Four, Xuzhou talent introduction housing subsidy policy
In addition to giving preferential treatment to the introduction of talents in settlement, Xuzhou government also gives subsidies to the introduction of talents when buying a house. Among them, the maximum subsidy for individual housing purchase is 6.5438+0.00 million yuan!
It is worth noting that the application time of different types of talents is different.
In addition, in June, 2020, Xuzhou issued a policy: granting housing provident fund loans to employees who hold Pengcheng Caiying Card for more than four stars. In the calculation of the amount of provident fund loans, the reference value of the borrower's personal loan repayment ability rose by 20%, and the total amount did not exceed the maximum amount of housing provident fund loans in our city.
In addition to the city's subsidies for talent introduction, some subordinate districts have also introduced relevant subsidies in order to attract more outstanding talents to work in the region. For example, in early February 2020, Xuzhou Economic Development Zone issued detailed rules for housing subsidies for college students:
Subsidy standards mainly include the following three aspects:
1. Eligible graduates will be subsidized according to the maximum purchase area 100_, and those who are insufficient 100_ will be subsidized according to the actual area. 2. The proportion of subsidies for undergraduate, master and doctoral graduates is 5%, 6% and 8% respectively, and the total amount of subsidies does not exceed 65,438+10,000 yuan. 3, full-time introduction of "double first-class" universities and doctoral graduates selected for key talent programs at or above the municipal level, and the first suite purchased within the scope of the development zone, the subsidy ratio will be increased to 10%, and the maximum subsidy amount will not exceed120,000 yuan.
Five, Xuzhou real estate transaction tax policy
Finally, it is worth mentioning that in addition to the normal purchase cost, the new house also needs to pay deed tax, maintenance fund and property fee. When taking the house; Second-hand housing needs to pay deed tax, value-added tax, personal income tax and other expenses.
1, Xuzhou new house transaction tax
2, Xuzhou second-hand housing transaction taxes and fees
3. Maintenance Fund
20 1 5165438+1October1,Xuzhou began to implement new maintenance fund deposit standards: ① commercial housing without elevators from 60 yuan/_; ② Commercial House with Elevator 90 yuan/_.
Other expenses incurred in the transaction process: stamp duty, which is five ten thousandths of the house price; In the process of handling the property right certificate, the registration fee of 0.3 yuan /m_ and the house ownership certificate fee of 4 yuan/our company are required.