Is Chongqing restricted to purchase?

Are there any restrictions on buying a house in Chongqing?

1. At present, there is no purchase restriction policy in Chongqing, but people who do not have Chongqing household registration, enterprises and jobs have to pay taxes when buying a house. According to the relevant regulations issued by Chongqing municipal government, three people in Chongqing need to pay 0.5% tax when buying ordinary houses.

However, it will be more difficult to buy a house loan in Chongqing, because most banks will not accept the mortgage application of three employees, and the loan interest rate of local accounts in Chongqing has also increased.

2. The main contents of Chongqing's purchase restriction policy

Chongqing's purchase restriction policy is the same for locals and foreigners: without a mortgage, you can buy two suites;

1) If you have a mortgage under your name, you can buy a suite, and you can only have two mortgages under your husband and wife's name at most;

2) If you have two mortgages under your name, you can only buy a house in full.

The significance of implementing the purchase restriction policy

1, main significance

China's real estate regulation and control policy should follow the principle of minimum market intervention, consistent with the law of industry development and conducive to long-term stable development. Therefore, in addition to strengthening housing security, we should also implement long-term restrictions on the purchase of commercial housing in central cities, thoroughly curb speculation and excessive investment, and cancel some existing non-market-oriented control measures to ensure the long-term stable and healthy development of the industry.

Step 2 have an impact

(1) There are many check-out tides.

Due to the "time lag" between the policy release date and the time when consumers deposit, the approval of bank loans will become extremely strict for a large number of customers who subscribed in September after the National Day in Shenzhen, Beijing, Guangzhou and other cities. (2) The Ministry of Housing and Urban-Rural Development suggested that the real estate license could not be obtained in violation of the purchase restriction order.

After the introduction of the purchase restriction order, because the individual purchase exceeded the local family purchase restriction, the newly purchased house could not be registered for contract filing or real estate registration, which triggered some economic and legal disputes and brought great risks to the buyers.

Legal basis:

Notice of Chongqing Municipal Bureau of Land and Housing Management on Strengthening the Re-transaction Management of Newly-purchased Housing in the Main City; In order to conscientiously implement the positioning of "houses are used for living, not for speculation", further curb real estate speculation, and promote the stable and healthy development of the real estate market in our city, with the consent of the municipal government, the relevant matters concerning strengthening the re-trading management of newly purchased houses in the main city are hereby notified as follows:

A, where in the main city (Yuzhong District, Jiangbei District, Shapingba District, Jiulongpo District, dadukou district, Nan 'an District, Beibei District, Yubei District, Banan District, Liangjiang New District) to buy new commercial housing and second-hand housing, must obtain the Property Certificate for two years before listing.

Second, the identification time of newly purchased new commercial housing is subject to the online signing time of commercial housing sales contract, and the identification time of newly purchased second-hand housing is subject to the time of obtaining the notice of acceptance of property right certificate.