Hangzhou has recently relaxed its settlement policy. A large number of people have taken advantage of this to settle in Hangzhou and want to buy a house in Hangzhou. So what are the latest conditions for buying a house in Hangzhou? What is the purchase restriction policy? The following is a small home in Hangzhou. Let me introduce it to you in detail.
1. Introduction to Hangzhou’s housing purchase restriction policy
1. Introduction to Hangzhou’s purchase restriction range:
1 Hangzhou’s purchase restriction areas: Xihu District, Shangcheng District, Gongshu District, Binjiang District, Xiaoshan District, Yuhang District, Qiantang District, Linping District, Fuyang District.
2 Hangzhou’s no-purchase-restricted area: Lin’an District (no purchase restrictions require lottery). Tonglu, Jiande and Chun'an, these three counties do not have purchase restrictions or lotteries. Hangzhou house purchase restriction policy in 2022
2. Household registration in Hangzhou purchase restriction zone:
1 After 5 years of residence: singles are limited to purchase 1 new house, and married people are limited to 2 new houses.
2 Those who have settled down for less than 5 years: have paid social security for 2 consecutive years in the purchase-restricted area and are limited to purchasing one new house.
3. Household registration in non-purchase-restricted areas of Hangzhou:
1 Those who have been settled for 5 years or more: Singles are limited to purchasing 1 house, and married people are limited to purchasing 2 new houses.
2 Those who have settled in the home for 2 years: have paid social security for 2 consecutive years in the purchase-restricted area and are limited to purchasing 1 new house.
4. Non-local household registration: You need to pay social security for 4 consecutive years in the restricted purchase area before you can buy a new house in the restricted purchase area.
5. The importance of the order of buying a house: If you own a house in a non-restricted area in Hangzhou, it will be counted as the number of purchases in the restricted area. If you buy a house in a purchase-restricted area first, you can buy houses in other unrestricted areas.
For example: If you have a Chun’an household registration and buy a house in Hangzhou’s purchase restriction zone, you are limited to one house for singles and two for families. If you are single and already have a house in Tonglu under your name, you can no longer buy it in the restricted purchase area of ??Hangzhou, because the house in Tonglu has already taken up your only number of house purchases; if you are a family, buy a house in Tonglu first, and then buy a house in Tonglu. You can buy one more house in the restricted purchase zone in Hangzhou. If you buy two houses in Tonglu, you cannot buy another house in the restricted purchase zone in Hangzhou. But if the order is changed, and you first buy a house in the Hangzhou purchase restriction zone, and then go back to Chun'an to buy a house, it doesn't matter if you buy ten houses in Chun'an, because Chun'an does not have purchase restrictions.
So, the order of buying a house is very important! 2022 Hangzhou House Purchase Restriction Policy
2. Identification of Houseless Families
1. Married Families: 1 Have ever had Houses that have been transferred before April 4, 2018 belong to households without a house. 2 Those who have transferred their houses after 2018 and have been without a house for three years will be classified as houseless households.
2. Single: Those over 30 years old and without a house in Hangzhou belong to households without a house.
3. Divorced: Divorced for 3 years + 3 years without a house in restricted purchase area, belongs to a houseless family.
4. Household registration in a non-purchase-restricted area: no house in the purchase-restricted area + no house in the place of residence + 1-year social security in the purchase-restricted area, belonging to a household without a house.
3. Introduction to Hangzhou’s second-hand housing policy
1. Household registration in Hangzhou purchase-restricted areas:
1 Settled in for 5 years or more: no social security requirements, singles are limited to purchasing one second-hand house House, married people are limited to purchase 2 second-hand houses.
2 Those who have settled in the country for less than 5 years: no social security requirements, limited to purchase of 1 second-hand house.
2. Household registration in non-Hangzhou purchase-restricted areas:
1 Settled here for 5 years or more: no social security requirements, singles are limited to purchasing 1 second-hand house, and married couples are limited to purchasing 2 second-hand houses.
2 Those who have settled in the country for less than 5 years: no social security requirements, limited to purchase of 1 second-hand house.
3. Non-local household registration: social security must be paid continuously for 1 year, and purchase of 1 second-hand house is limited. Hangzhou’s house purchase restriction policy in 2022
IV. Introduction to Hangzhou’s high-level E-type talents’ priority in house purchase
1. What are Hangzhou’s high-level E-type talents? Hangzhou’s E-type talents belong to Hangzhou’s high-level "Advanced talents" among talents. Hangzhou's high-level talent classification catalog is divided into five levels, namely: domestic and foreign top talents, national-level leading talents, provincial-level leading talents, municipal-level leading talents, and senior talents (respectively represented by A, B, C, D, and E). to refer to).
2. Recognition conditions for Category E talents in Hangzhou
1. Those with senior professional titles can directly apply for recognition of Category E talents.
Talents with 2 deputy senior professional titles, who have obtained one of the following professional and technical achievements: received awards at the district, county (city) level or above, undertaken topics and scientific research projects at the district or city level or above, and obtained authorized patents (top 3 Completers), formulates local standards, industry standards or national standards (the first 3 completers), publishes books, writes teaching materials, and has published academic papers in core domestic and foreign journals (the first 2 authors). Can apply to be recognized as Category E talents
3 senior technicians, professional technical talents who have achieved one of the following results: won awards at the district, county (city) level or above, undertaken topics and scientific research projects at the district or city level or above, Obtain authorized patents, formulate local standards, industry standards or national standards, publish books, compile teaching materials, and publish academic papers in core domestic and foreign journals; you can apply to be recognized as Category E talents.
4 Operations and management talents (referring to company chairman and general manager) of enterprises above designated size in Hangzhou can apply for recognition of Category E talents.
5 Those with a doctoral degree can directly apply for recognition of Category E talents.
6 Talents who have a doctoral degree and have obtained one of the following professional and technical achievements: received awards at the district, county (city) level or above, undertaken topics and scientific research projects at the district or city level or above, and obtained authorized patents (formerly 3 completers), formulating local standards, industry standards or national standards (the first 3 completers), publishing books, writing teaching materials, and publishing academic papers in core journals at home and abroad (the first 2 authors). You can apply for recognition of Category E talents. 7 Senior talents equivalent to the above levels can apply for recognition of Category E talents. Hangzhou house purchase restriction policy in 2022
3. Subsidy benefits for Hangzhou E-type talents
(1) House purchase subsidy 200,000-400,000: 1 Linping District subsidy standard: first house purchase subsidy 20,000 Ten thousand yuan, the housing subsidy will be halved. 2. Subsidy standards in Qiantang New District: first home purchase subsidy of 300,000 yuan, and housing subsidy halved. 3 Fuyang District subsidy standard: house purchase subsidy of 400,000 yuan. 4 Lin'an District subsidy standard: house purchase subsidy of 350,000 yuan.
(2) The red house lottery has a 20% tilt rate in the housing supply: Hangzhou's high-level talent purchase lottery has a 20% red house supply tilt rate. As long as the red house is in the red house, it will save at least more than 1 million yuan in house purchase costs.
(3) Directly settle in Hangzhou: Becoming a Hangzhou E-type talent can directly settle in Hangzhou and become a new Hangzhou native.
(4) Rental subsidy of 2,500 yuan per month: Hangzhou E-category talents can apply for a rent of 2,500 yuan per month if their couples and minor children do not have their own property within the urban area. The subsidy is a subsidy of 30,000 yuan a year, which is considered a good amount of money.
(5) Priority in admission of children to school: According to the principle of proximity, children of e-category talents can be given priority in admission, and the arrangements will be made by the Hangzhou Municipal Government. If your children study in private schools, some areas will provide an annual tuition subsidy of 10,000 to 20,000 yuan.
(6) Free travel to Hangzhou scenic spots: Category E talents can apply for a talent code, and with the talent code, they can travel to Hangzhou scenic spots for free.
(7) The provident fund loan limit for house purchase is increased by 50%: E-type talents who apply for provident fund loans to purchase ordinary commercial houses for self-occupation in Hangzhou, the application deposit time limit is shortened to three months, and the loan limit can be based on the family's current period. The maximum loan limit is increased by 50%.
(8) Retirement pension is 1,150 yuan more: After retirement, the monthly pension for e-type talents will be 1,150 yuan more than that of ordinary retirees.
4. The easiest way to identify Category E talents
The easiest way to identify Category E talents in Hangzhou is “deputy senior professional title + patent, etc.” At present, at least half of the applications for recognition of E-type talents in Hangzhou are approved through "deputy senior professional title + patent, etc." Because the deputy senior professional title can be obtained through the "examination instead of evaluation" method, there are no conditions for application. No matter what academic qualifications you have or what major you are engaged in, you can directly apply for the deputy senior professional title. If you also want to apply for recognition of Hangzhou E-type talents, you can get one-on-one free consultation through "Hangzhou Xiaowo".
5. Introduction to social security payment for house purchase
1. Continuous payment: In the qualification determination for house purchase mentioned earlier, whether it requires four years of social security, two years or one year of social security, all It must be "continuous payment". You cannot pay for one year this year, then stop next year, and then make up for it the year after. This will count as a cessation of payment. If social security is paid back due to job transfer and other reasons, the cumulative social security payment cannot exceed three months.
2. Social security matching mechanism: In the New Deal on August 5, 2021, the "red plate matching social security" mechanism was officially introduced. Once the ratio of the number of households registered in the lottery to the housing supply is greater than 10:1, The social security shortlisting mechanism will be triggered. Homeless families and ordinary families are sorted by the number of months of social security payment from most to least. Families with high-level talents are first sorted by categories B, C, D, and E from high to low. Talents in the same category are then sorted by the number of months of social security payment from most to least. Sort. The social security payment period started in January 2006, and as of now (July 2022), the maximum level of social security has been 198 months. If a family participates in the lottery, the calculation will be based on the number of social security months among the family members. The longer the number of social security months, the easier it is to be shortlisted in the super red lottery. Hangzhou house purchase restriction policy in 2022
6. Introduction to other issues related to house purchase
1. Gift If you gift a residence within the purchase limit in Hangzhou to others, it will also need to be completed after three years. , can you be qualified to buy a house in the restricted purchase area. At the same time, the recipient of the gift must also be qualified to purchase a house in the Hangzhou purchase-restricted area in order to accept your gift. Bequests are not included here.
2. Value-added tax (1) The value-added tax exemption period is two years for the transfer and sale of the family's only home. (2) If the transfer and sale is not the family’s only home, the value-added tax exemption period is five years.
3. Sales restrictions (1) New houses purchased through the talent priority purchase method need to be restricted for five years, starting from the day of online signing. (2) Houses with a winning rate of less than 10% are subject to a sales restriction of five years, starting from the day the real estate certificate is obtained. (3) Those hot real estate projects that have appeared in the past and are only for households without houses and talented families are also subject to sales restrictions for five years, starting from the day when the real estate certificate is obtained.
4. Three children (1) After May 31, 2021 (inclusive), families that give birth to or legally adopt three children can buy one more house within the purchase limit. Of course, the premise is that the family itself has the qualifications to purchase a house in the restricted purchase area. (2) Families that meet the three-child policy can also enjoy the same lottery priority as families without houses.