Harbin housing purchase policy

1. If the registered family in this city already owns a house or has a record of housing loan, the application for housing loan will be regarded as the second house loan, and the down payment ratio will be increased to 60%. Among them, the longest term of commercial mortgage loan is shortened to 25 years, and the interest rate of provident fund loan is 1. 1 times of the benchmark interest rate. Suspension of provident fund loans to families who use housing provident fund loans twice or more. Cancel the policy of drawing housing provident fund with proof of payment of housing maintenance funds.

2. The down payment ratio of non-local household registration households to purchase housing loans will be increased to 60%, and the longest term of commercial mortgage loans will be shortened to 25 years. At the same time, the first suite of foreign registered families in Harbin needs to pay 24 months of social security within 3 years.

3. Buyers with bachelor degree or above in Harbin full-time university can enjoy the same purchase policy for local permanent residents if they sign a formal employment contract with the employer and pay social security for more than half a year. The introduction of high-level talents at home and abroad has been proved by the office of the Municipal Leading Group for Talent Work that residents with local permanent residence can enjoy the same purchase policy.

First, the materials needed to buy a house include:

1, which is a valid ID card and a local household registration book;

2 farmers' urban household registration certificate;

3. Proof of urban wage income;

4. Certificate of house purchase and sale;

5. Proof of down payment;

Prepare the above materials, and you can apply for housing subsidies.

Second, the room tax subsidy standard:

1. If the first ordinary commercial house is purchased (with a single building area of 144_), the deed tax paid shall be subsidized by 100%;

2. If you buy the first set of non-ordinary commercial housing or the second set of commercial housing, you will be given a subsidy of 50% of the deed tax;

3, the purchase of non residential, giving 50% deed tax subsidies;

4. If the relocated households purchase commercial housing due to monetary compensation imposed on houses, and the transaction price does not exceed the total monetary compensation price, the purchase of new houses shall be exempted from deed tax. If the total price exceeds the total monetary compensation price, the difference shall be subsidized by 50% according to the deed tax provisions.

Legal basis:

Article 7 of the Provisional Regulations on the Registration of Real Estate shall be handled by the real estate registration agency of the people's government at the county level where the real estate is located; The people's governments of municipalities directly under the central government and cities divided into districts may determine the real estate registration agencies at the same level to uniformly handle the real estate registration in their respective jurisdictions. Real estate registration across county-level administrative regions shall be handled by real estate registration agencies across county-level administrative regions respectively. If it cannot be handled separately, it shall be handled through consultation by the real estate registration agency across county-level administrative regions; If negotiation fails, it shall be handled by the real estate registration department of the people's government at the next higher level.

Article 60 of the People's Republic of China (PRC) Urban Real Estate Management Law shall apply to the real estate management department of the local people's government at or above the county level for registration of real estate change, and apply to the land management department of the people's government at the same level for registration of land use right change 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.