Since September 8, 2023, commercial housing in Xuanwu District, Qinhuai District, jianye district and Gulou District no longer needs proof of purchase, which was the only restricted purchase area in Nanjing. The new policy of Nanjing's housing purchase conditions is as follows: Nanjing registered families are restricted from buying houses, and non-Nanjing registered families are required to provide personal income tax or social insurance and (urban social insurance) certificates that have been paid continuously for more than two years in Nanjing within three years, and cannot buy houses by paying back personal income tax or social insurance.
Notice of the People's Bank of China and the State Financial Supervision and Administration on adjusting and optimizing differentiated housing credit policies is as follows:
1. The minimum down payment ratio of commercial personal housing loans for the first set of housing is not less than 20%, and that of commercial personal housing loans for the second set of housing is not less than 30%.
2. The lower limit of the first set of commercial personal housing loan interest rate policy shall be implemented according to the current regulations, and the lower limit of the second set of commercial personal housing loan interest rate policy shall be adjusted to not less than the quoted interest rate of the loan market plus 20 basis points.
To sum up, Nanjing Real Estate Association, Real Estate Brokerage Association jointly developed enterprises and key brokerage institutions to launch the "exchange for new" service and build a "exchange for new" supermarket. Supermarket housing is not higher than the lowest price in this case. Through the transaction service of "priority sale and safe purchase", the cycle of selling second-hand houses and buying new houses is shortened, and the demand for housing improvement of residents is accelerated.
Legal basis:
"People's Republic of China (PRC) City Real Estate Management Law"
Article 61
Whoever obtains the land use right by allocation or allocation shall apply to the land administration department of the local people's government at or above the county level for registration, which shall be verified by the land administration department of the local people's government at or above the county level, and the land use right certificate shall be issued by the people's government at the same level. If a house is built on the land for real estate development obtained according to law, it shall apply to the real estate management department of the local people's government at or above the county level for registration with the certificate of land use right, and the real estate management department of the local people's government at or above the county level shall verify and issue the certificate of ownership of the house. When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level. If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.