202 1 It is enough to read this article when buying a house in Changzhou. Pass this article on to people around you who need to buy a house this year!
1, Changzhou housing sales policy;
2. Changzhou commercial housing loan policy;
3. Changzhou settlement policy;
4. Changzhou talent subsidy policy.
1, Changzhou Housing Sale Policy
Purchase restriction policy:
Changzhou has no restrictions on purchases, and both local and foreign accounts can be purchased.
Sales restriction policy:
Deed tax for ordinary houses:
Value-added tax and surcharge (individual selling house):
Property ownership certificate or deed tax invoice shall be exempted from VAT and surcharge for 2 years;
5% of the total amount (calculated by the total amount/1.05*5%) and 6% of the value-added tax for less than 2 years.
Personal income tax:
According to the difference of taxable value 1% or 20%;
The real estate license or deed tax invoice with a date of 5 years and the only house in the family is exempted. (that is, the only one that we often see is over five)
2. Changzhou Commercial Housing Loan Policy
Commercial loans:
Provident fund loan:
1, provident fund application conditions:
Workers who have paid housing provident fund in other provinces and cities outside the administrative area of Changzhou purchase self-occupied housing in Changzhou, and apply for housing provident fund loans to Changzhou Housing Provident Fund Management Center after being proved by the housing provident fund management center of the deposit place to meet the conditions of housing provident fund loans in our city.
(1) The housing provident fund has been remitted normally when applying for a loan, and has been deposited continuously for 6 months.
(2) I can provide valid proof materials such as purchasing commercial housing, second-hand housing, affordable housing or building or overhauling self-occupied housing.
(3) Have a stable income, good credit and the ability to repay the loan principal and interest on time.
(4) Guarantee according to the guarantee method approved by the Center.
(5) The applicant has no or only one record of off-site loan of housing provident fund and has paid it off.
2, provident fund loan amount:
(1) If there is no record of using the housing provident fund to purchase houses, and at least one person has continuously paid the housing provident fund for 2 years or purchased affordable housing before applying for the housing provident fund loan, the loan amount shall be calculated as 20 times of the sum of the balances of eligible applicants;
(2) If the loan applicant does not meet the requirements of the 20-fold calculation rule, the loan amount shall be calculated at 6 times the sum of the eligible applicants' provident fund balances.
(3) Affordable housing loans, regardless of the use of records, are still calculated at 20 times the balance of the provident fund.
(4) If innovative and entrepreneurial talents and spouses of active servicemen have no record of using the housing provident fund, the loan amount will still be relaxed to 600,000 yuan.
3. Other considerations:
(1) The loan period plus the actual life of the principal borrower shall not exceed 65 years, but the longest loan period shall not exceed 30 years and the remaining life of the land.
(2) At present, the down payment ratio of Changzhou provident fund loan to buy the first suite is 20%, and the second suite can only use the provident fund after the first suite provident fund loan is paid off, and the down payment ratio of the second suite is 50%.
(3) Changzhou is currently implementing the policy of off-site provident fund loans. Workers who have paid housing provident fund in other provinces and cities outside the administrative area of Changzhou City apply for housing provident fund loans to Changzhou Provident Fund Center on the basis of the Certificate of Payment and Use of Housing Provident Fund for Employees with Loans from Different Places issued by the Provident Fund Management Center when purchasing self-occupied housing in Changzhou City.
For more information, please visit the website of Changzhou Housing Provident Fund Personal Online Service Hall, or search the official account of Changzhou Housing Provident Fund WeChat (micro signal: czgjj 12329).
3. Changzhou settlement policy
1. Lease:
I, my spouse and minor children have participated in urban social insurance for 3 years and can apply to settle in this city.
2. Buy a house:
Persons who have legally stable residence in this city, pay social insurance in this city according to law, and apply for (endorse) Jiangsu residence permit, themselves, spouses and minor children can apply to settle in this city.
3. Employment:
(1) Implement the policy of settling down rural college students who come and go freely.
First, college graduates who meet the requirements of formal employment and entrepreneurship can apply for employment after they settle down.
Second, during their school years, college students can apply for their place of origin in this city, or they can apply for their place of residence in the universities they study in this city.
Settle down and get re-employed first. College graduates who meet the requirements of formal employment and entrepreneurship can apply for employment after they settle down. The human resources and social security department is responsible for the audit of talent introduction, and the public security department is responsible for settling down.
(2) The settlement of vocational skills talents has been further relaxed.
Those who have obtained the national vocational qualification (vocational skill level) of junior workers and above, graduates of vocational colleges who pay social insurance in this city according to law and apply for (endorse) residence permit in Jiangsu Province, themselves, their spouses and unmarried children can apply to settle in this city.
(3) All kinds of qualified talents in short supply, I, my spouse and unmarried children can apply to settle in this city.
Coaches and athletes who have been approved to be introduced according to law may apply to settle in this city.
Civil servants, staff employed by institutions, personnel transferred from government agencies, enterprises and institutions, themselves, their spouses and unmarried children who are employed in this Municipality may apply to settle in this Municipality.
(4) Minor children of military cadres' dependents and female officers stationed in regular troops who have been approved according to law may apply to settle in this Municipality.
Demobilized military cadres and their families who have been resettled according to law may apply to settle in this city.
Retired soldiers and retired workers without military status who have been resettled according to law may apply to settle in this city.
(5) Retirees whose original household registration is a resident of this Municipality, who need to be transferred from their jobs, decentralized to the countryside, supported by the frontier and supported by the third-line construction to work in other places, and apply for returning to their original places to settle down, can settle down in their legally stable residences; If there is no legally stable residence, you can settle in a family whose immediate family members or brothers and sisters have legally stable residence in the urban area.
4. Family:
(1) Unmarried (divorced) children can apply for asylum with their parents who have legally stable residence in this city.
(2) After getting married with the residents of this city, they need to take refuge in * * * and live together. Asylum seekers who have a legally stable residence in this city may apply to settle in this city; The person who has taken refuge does not have a legally stable residence, and if the legally stable residence of his domicile is owned by his immediate family, he may also apply to settle in this city.
(three) parents who have retired in cities and towns (or have exceeded the statutory retirement age) and have reached the age of 50 in rural areas may apply for refuge in their children who have legally stable residences in this city. If the elderly over 80 years old voluntarily take refuge in adult children, it is not limited by whether the person who takes refuge is a family account.
(four) minor children whose parents have died can apply for asylum with their grandparents who have legally stable residence in this city.
(5) If an adult child whose parents have died has a legally stable residence in this city, his grandparents may apply for asylum.
(six) residents of Hongkong, Macao and Taiwan Province Province may apply for settlement in this city with the approval of the exit-entry administration department of the public security organ at or above the provincial level. Overseas Chinese who meet the requirements for settlement in this city after approval according to law may apply for settlement in this city.
4. Changzhou talent subsidy policy
On 20021February 18, Changzhou issued the No.1 Innovation Policy-Innovation Drives High-quality Development, and implemented some opinions and policies to promote innovation and development.
Among the 20 policies to promote innovation and development, the main contents of supporting the "double subsidies for housing" for young talents are as follows:
1. Newly introduced full-time undergraduate, master's and doctoral talents who have paid social security for more than six months within two years of graduation will be given monthly living allowances in 300 yuan, 500 yuan and 800 yuan respectively for two years in a row.
2. For full-time undergraduate, master's and doctoral talents who do not own their own houses, they will be given 2-year rental subsidies in 500 yuan, 600 yuan and 800 yuan every month.
3. Full-time undergraduate, master's and doctoral students who purchase local commercial housing for the first time after paying social security for more than 6 months and arriving at work for 2 years will be given one-time housing subsidies of 30,000 yuan, 50,000 yuan and 250,000 yuan respectively.
4. Technicians and senior technicians newly introduced by the enterprise can enjoy subsidies for living, renting and buying houses with reference to full-time undergraduate and master's degrees.
In order to support the construction of the "excellent talent housing" project, it is planned to build or renovate 65,438+10,000 talent apartments to meet the needs of young people. A "Youth Station" is planned in the talent apartment to provide free accommodation and employment consulting services for young college students who come to work and start businesses for up to 3 months.