NO: 1 Purchase and sale restriction policy
The current house purchase policy implemented in Xiamen is to implement different levels of purchase restrictions for different groups.
In February 2020, five departments including the Xiamen Housing Security and Housing Management Bureau issued the "Notice on Further Solving the Housing Problem of Talents" to promote the gathering of industries and talents in each new city area and promote the balance between work and housing. , to support the demand for self-occupied home purchases: have a bachelor's degree or above, obtain an intermediate or above professional title (including corresponding professional and technical vocational qualifications), or one of the professional qualifications of senior worker or above, and have been stably employed in this city for more than 1 year. Non-local registered talents without housing can purchase a self-occupied commercial house in Haicang District, Jimei District, Tong'an District and Xiang'an District by signing a labor contract of more than three years with enterprises and institutions in this city. Newly purchased commercial housing can only be listed for trading after obtaining the property ownership certificate for 2 years.
1gt;Purchase Restrictions
Starting from October 5, 2016, Xiamen City has further strictly implemented the housing purchase restriction policy, and has imposed restrictions on commercial housing with a construction area of ??180 square meters or less within the administrative area. Residential property purchases are restricted.
2gt; Restricted Sale
Newly purchased housing must be obtained for 2 years after obtaining the property ownership certificate before it can be listed for trading.
On the basis of continuing to implement the current purchase restriction policy, those who participate in bidding for "foreign auction houses" should confirm in advance that they are qualified to purchase houses in this city. Newly purchased first-hand housing on the island can only be put on the market for 5 years after obtaining the property ownership certificate. Effective from September 18th.
At the same time, according to the latest sales restriction policy on September 18, there are a few points that need to be paid attention to:
1. It is clear that those who participate in bidding for "foreclosure houses" should determine in advance that they have Qualifications for home purchase, preventing the avoidance of purchase restriction policies through "foreclosure of properties", and plugging policy loopholes.
2. Newly purchased first-hand housing on the island must obtain the property ownership certificate before it can be put on the market for 5 years.
3. According to changes in the market situation, the minimum down payment ratio and minimum loan interest rate of housing loans should be adjusted appropriately in a timely manner.
4. Commercial and residential land will be transferred through a combination of real estate and land transfer methods such as price limits, land price limits, fixed construction, fixed quality, and lotteries.
Starting from September 19, 2021 (including September 19), new commercial housing sales contracts submitted for online signing and new foreclosure announcements will be implemented in accordance with the requirements of this notice.
NO: 2 Commercial Loan Policy
Xiamen currently implements the policy of “acknowledge the house and subscribe for the loan”, and the interest rate of the mortgage is calculated according to the “base point (BP)” method.
The new loan interest rate calculation method is: LPR interest rate for 5 years and above plus points.
Among them, the 5-year LPR interest rate is released by the central bank on the 20th of each month and is adjusted monthly, subject to the latest one, and the base point is determined by the local government. Xiamen mortgage interest rates are calculated according to the "base rate basis point (BP)" method.
On January 20, the latest LPR was released: the 1-year period was 3.7, down 10 basis points from 3.8 last month, and the 5-year period was 4.6, down 5 basis points.
Therefore, based on the latest LPR quotation, the current lowest interest rate for first-home loans in Xiamen is 4.9 (LPR 30bp), and the lowest interest rate for second-home loans is 5.4 (LPR 80bp).
NO: 3 Provident Fund Deposit Loan Policy
For those in need, provident fund loans are one of the important ways to buy a house. So, what are the provident fund loan conditions currently implemented in Xiamen? What is the maximum loan amount?
1gt; Loan amount
Starting from July 1, the upper and lower limits of the housing provident fund payment base in Xiamen have been adjusted.
The deposit base is the employee’s average monthly salary in the previous year, which shall not be higher than 26,317 yuan and shall not be lower than 1,800 yuan; the monthly deposit amount shall have an upper limit of 6,316 yuan and a lower limit of 180 yuan. Effective from July 1, 2021.
In May, Xiamen’s housing provident fund partial withdrawal loan policy has been adjusted.
The maximum loan amount for the first application for housing provident fund = 1.2 million yuan × liquidity adjustment coefficient, and the maximum loan amount for the second application for housing provident fund = 600,000 yuan × liquidity adjustment coefficient.
The liquidity adjustment coefficient refers to the provident fund loan limit adjustment parameter formulated according to different situations of the housing provident fund's ability to meet the demand for use of deposited employees' funds. The utilization rate range corresponding to the liquidity adjustment coefficient is:
① When there is excess liquidity (loan utilization ratio lt; 60), the coefficient is 1.2;
② The liquidity is normal (60≤ When the loan utilization ratio is <85), the coefficient is 1;
③When there is insufficient liquidity (85≤loan utilization ratio <90), the coefficient is 0.8;
④Liquidity When it is tight (loan utilization ratio ≥ 90), the coefficient is 0.6.
The current liquidity coefficient of Xiamen's provident fund is 0.6, which means that the current maximum loan amount for the first application for housing provident fund is 720,000 yuan, and the maximum loan amount for the second application for housing provident fund is 360,000 yuan.
The loan policy will be implemented from May 17, 2021. The implementation time is based on the time when new commercial housing is submitted for registration and filing of commercial housing sales contract or the time when second-hand housing is received at the real estate registration center.
2gt; Loan conditions
The core requirement of the loan is that the housing provident fund should be paid in full and continuously 12 months before applying for the loan, and the housing provident fund should be in deposit status when applying for the loan. And personal credit is good.
As of the time of loan application, the maximum number of overdue periods for personal loans in the previous two years shall not exceed 3 periods (inclusive), and the cumulative number of overdue periods shall not exceed 6 times (inclusive). Overdue periods caused by reasons other than those of the borrower are not included. .
NO: 4 House Buying Process and Tax Guide
1gt; House Buying Process
1. Select a house based on your own intention to buy a house, circle the intended property, and go to The marketing center inspects properties and conducts on-site inspections of properties.
2. House Subscription After understanding the project, subscribe for the house, pay the deposit, and sign a subscription agreement.
3. When signing the contract, bring your ID/household registration book/marriage certificate (single certificate) and other documents to the marketing center. Follow the online signing process to sign the contract first and then pay the down payment.
4. If you need to apply for a loan, go to the bank with the house purchase contract/down payment invoice/identity certificate/household register/marriage certificate of both spouses (single certificate)/income certificate and other documents, and sign a loan agreement with the bank. .
5. The owner who delivers the house must wait patiently for the developer's notice of handover, and go to the delivery location notified by the developer to take possession of the house with the purchase contract/purchase invoice/ID card and other documents.
6. Obtain the Property Rights Certificate Within the time specified in the contract, the home buyer must cooperate with the developer to go to the Housing Registration Management Office to complete the tax payment and apply for the "House Property Rights Certificate".
2gt; Tax guide
Many people know that buying a house requires a down payment, but they may not know much about other expenses of buying a house. Let’s take a look at what fees you need to pay when buying a new or second-hand house!
There are different taxes and fees for buying new homes and second-hand homes.
△New house:
1. Deed tax
For the first or second house, the house area is ≤90 square meters, the deed tax is 1.
The area of ??the first house is >90 square meters, and the deed tax is 1.5.
The area of ??the second suite is >90 square meters, and the deed tax is RMB 2.
Note: The deed tax for a new house is calculated based on the transaction price of the house, that is, the transaction price multiplied by the corresponding deed tax ratio.
2. Other fees
The warrant registration fee is 80 yuan/unit, and non-residential units are 550 yuan/unit.
△Second-hand houses:
1. Deed tax
The first or second house, with a house area of ??≤90 square meters, has a deed tax of 1.
The area of ??the first house is >90 square meters, and the deed tax is 1.5.
The area of ??the second suite is >90 square meters, and the deed tax is RMB 2.
2. Value-added tax and surcharge
When purchasing a second-hand house, you need to pay value-added tax.
The rate of value-added tax and its surcharge is 5.3, and the value-added tax can be exempted after 2 years. The 2-year period means that the real estate certificate or deed tax payment certificate is calculated from the time of issuance to the time when the house is sold, and the time is 2 years or more than 2 years. Year. The formula for calculating value-added tax and its surcharge is: taxable price of the house ÷ (1 0.05) × 5.3.
3. Intermediary fee
In the second-hand housing transaction process, the intermediary provides services to the buyer, so a certain service fee must be charged.
4. Personal income tax
Generally, 1.5% of the house price is levied. Individual houses that are more than five years old or that meet relevant conditions are also exempt from personal income tax. If the house is the seller's only residence, the real estate certificate has been valid for five years, and the seller has no residential transaction records in the past five years, the individual tax can be exempted.
5. Stamp duty
Residences are exempted.
6. Others
The warrant registration fee is 80 yuan/unit for residential units and 550 yuan/unit for non-residential units.
Note: In the actual transaction process, most of the taxes are borne by the buyer. When the market is relatively cold, some sellers are willing to bear the taxes.
NO: 5 Latest Settlement Policies
Everyone who comes to Xiamen to work hard will be concerned about the issue - how to obtain the "Xiamen Port"? After all, household registration is related to issues such as education and medical care; What conditions must be met to settle down?
Now, what I want to popularize to everyone is the “17 main ways to settle in Xiamen”.
1. Skilled Settlement
Starting from July 6, 2020, social security will be required for more than 1 year for high-level workers to settle down, and 2 years of social security will be required for mid-level workers to settle down, and the city has no self-owned The public security department will automatically allocate places for real estate settlement by computer, and distribute them randomly and evenly to the collective settlements of talents in various districts outside the island.
2. Migrant workers settling in
①Migrant workers have held the residence permit in our city for five consecutive years
②Go through employment registration procedures in our city and Participating in the city’s social pension insurance for 5 consecutive years
③ Real estate that owns the "Xiamen Land and House Rights Certificate" in this city (the house is used for residential purposes, and the ownership share ratio must not be less than 51) can be transferred to The household registration was moved to our city.
Note: There is a time limit for children to join the family. It is necessary for minor children to settle in Xiamen according to the conditions mentioned below.
3. Graduates settling in our city
Fresh college graduates
①Those who are employed and start a business in our city can settle in our city.
② For graduates with a college degree, bachelor's degree or above who are employed in our city (generally required for 3 months of social security), the employer will go through the corresponding procedures in accordance with the process of accepting graduates, and then the files, The registered permanent residence will be transferred to our city.
Therefore, for graduates to settle in our city according to the method of accepting graduates, the premise is to confirm the employment unit and the employment unit will handle the corresponding procedures.
Previous college graduates
Previous college graduates who meet the following conditions for employment in Xiamen can settle in this city:
① Legal and stable employment in Xiamen, age Bachelor's degree graduates under 45 years old;
② College graduates who have paid social pension insurance in Xiamen for one consecutive year and are under 35 years old. Among them, those who settled in Siming District and Huli District should be in Units in Siming District and Huli District have paid social pension insurance for three consecutive years.
③When college graduates apply to settle in our city, they should present for verification the "Ministry of Education Academic Certificate Electronic Registration Form" issued by the China Higher Education Student Information Network (Xuexin.com, /) or the "Ministry of Education Academic Certificate Electronic Registration Form" issued by the education department. China Higher Education Qualification Certification Report", or present the "Online Verification Code" or "Xuexin QR Code" of Xuexin.com within the validity period for verification.
Note: Graduates can be transferred only if they have not gone through the reporting procedures and their files are still "students". There is no limit on the place of graduation, other provinces are also acceptable. There is no limit on real estate. Those who do not have real estate can settle in collective households. There is a time limit for children to take refuge. For those with a bachelor's degree or above, there is no limit on the time for their children to join the program.
4. Settlement of key employees of “Three High” enterprises
According to the "Opinions on Implementing the Doubling Plan of High-Tech, High-Growth and High-Value-Added Enterprises" (Xiaweifa [2019] No. 17 ) Article 15:
All types of talents who are employed in the "three high" enterprises and whose annual salary reaches 1.5 times the average social wage (based on the salary and personal tax declaration income), have served in the enterprise for one year and If you pay social pension insurance on time and continue to sign a labor contract with the enterprise, you can go through the settlement procedures at the location of the enterprise's legal person.
Remarks: The average social wage refers to the average social wage of the previous year
5. The educated youth and their children come to Xiamen to settle down
① Due to retirement, resignation, resignation, Educated youths from this city who are laid off or unemployed and go to the mountains and countryside can move their household registrations back to this city for themselves, their spouses and their minor children;
② Men who are over 60 years old and women who are over 55 years old have no children in this city Educated youths from this city who go to the mountains and countryside can apply for one adult child and the spouse and minor children of the adult child to move with them when they apply to return to this city;
③ Those who are currently staying outside Xiamen City If the children of the educated youth who went to the countryside are not in this city, they can choose one of their children to return to the city to join the close relatives of the educated youth (referring to the parents, brothers and sisters of the educated youth), and move their household registration to this city.
6. Settlement of overseas students
① Overseas students and overseas talents who come to this city to start a business or work.
② I, my spouse, and minor children have not obtained foreign nationality or foreign permanent residence.
Note: The household registrations of the person, spouse and minor children who meet the above conditions can move into this city.
7. Settlement of personnel of offices in Xiamen
① The number of people moving in through the people's government-level offices of various national departments, provinces, autonomous regions, and municipalities directly under the Central Government shall not exceed 10 people; , The municipal people's government office handles household registration transfer for no more than 7 people. The number of people who can apply for household registration transfer in the city's centrally-affiliated enterprises and institutions, domestic large and medium-sized enterprises and institutions, and offices equivalent to department-level institutions or above shall not exceed 7 people.
② If the office specified in the preceding paragraph has been established for more than 10 years and is operating normally, the number of people who will move into the household registration will be appropriately increased, but the increased number of people shall not exceed the number of people who will move into the corresponding household registration specified in the preceding paragraph.