Household registration in this city: there is no social security and individual tax limit for buying a house in this city.
Non-local household registration:
(A) the first suite purchase qualification
Families who are not registered in this city cannot provide proof of personal income tax or social insurance that they have paid more than 1 year in this city within 2 years before the date of purchase.
Family members who are not registered in this city have full-time bachelor degree or above or junior titles, and can provide the labor contract of the city's work unit within two years before the date of purchase and the social insurance certificate of this city for more than half a year, they can purchase the first set of new commercial housing in our city.
(2) the qualification to buy a second suite.
If you own a house, you can't provide proof that you have paid personal income tax or social insurance for more than 2 years in this city within 3 years before the date of purchase.
Note: The paid personal income tax and social security payment certificate will not be recognized.
Second, the number of purchases is restricted.
Two sets of household registration in this city and non-household registration in this city are restricted. As long as you have two or more houses, you can't buy a new house for the time being.
Third, buy a house down payment.
1. For the first time, households purchase ordinary houses (referring to houses that have never been purchased), and the down payment ratio of commercial loans is as low as 30%.
2. For households with housing loan records but no housing when applying for a loan to buy a house, households with 1 set of housing but no housing loan records or corresponding housing loans have been settled, apply for commercial personal housing loans to buy ordinary housing again, and the low down payment ratio of loans shall not be less than 30%.
3. For households that own 1 apartment and the corresponding housing loans are not settled, the low down payment ratio for re-applying for commercial personal housing loans to purchase ordinary housing shall not be less than 40%.
4. For households with two or more houses, commercial personal housing loans will be suspended.
Fourth, the sales restriction policy.
1.20 1 1, 201New commercial housing and second-hand housing signed online after 0: 00 on April 7, can only be signed online after two years of obtaining the property right certificate.
2. After April 0 1 1, 2065438, if the house is transferred by gift, the donor can buy the newly-built commercial house again after two years. If the current purchase restriction policy of this Municipality is not satisfied, the donee is not qualified to accept the donated new house. After the transfer of housing, you need to buy housing again after 2 years.
Policy interpretation of verb (verb's abbreviation)
(A) on the identification of the qualification of special non-registered households to purchase houses
1, on the issue of military housing.
Servicemen and armed police stationed in Dongguan can refer to the qualifications of households with registered residence in this city to purchase houses, and provide the military (police) identity certificate, my work certificate and resident identity card information issued by the political department of units at or above the regimental level.
2. About the purchase of houses by retired residents who are not registered in this city.
Non-registered families who receive basic pensions in this city can only buy a new set of commercial housing in this city if they have no housing in this city and can provide details of the payment of pension insurance benefits.
3. About the purchase of houses by overseas individuals.
The purchase of new commercial housing by overseas individuals in this city shall be implemented with reference to the family qualifications of non-registered residents in this city. When applying for housing inquiry, you need to submit the identity documents, family relationship documents, personal income tax or social security documents and other relevant supporting materials of the purchaser and family members as required; The certification materials issued abroad shall be notarized, authenticated or transmitted in accordance with the relevant provisions, and the Chinese version shall be attached.
(2) Identification of academic related issues.
If the purchaser can provide a full-time undergraduate degree or above (including undergraduate degree) certificate outside the country (territory), and pass the inspection in the diploma certificate outside the country (territory) and the certification system for academic degree outside the country (territory), it will be recognized; Those who only provide academic certificates will not be recognized.
(three) on the identification of enterprises, institutions and social organizations to buy housing transactions.
Enterprises, institutions and social organizations (including newly-built commercial houses and second-hand houses, subject to the online signing time) that purchase houses within the administrative area of this Municipality after 0: 00 on April 1 1 2065438 must obtain the certificate of immovable property rights for two years before they can sign online transactions.
(four) on the identification of the transfer of houses obtained through auction.
Individuals, enterprises, institutions and social organizations can sign the contract online only after they have obtained the immovable property certificate for two years after 0: 00 on April 1 17.