Tianjin's latest housing purchase policy 2023

The past 2022 can definitely go down in history.

In the first half of the year, there was something to hide. In the second half of the year, they all played the winning number. And it's different from the city's policy in the first half of the year. The second half of the year is directly a high-level policy.

Buy a house

If you want to buy a house in Tianjin, you must first know whether you are qualified to buy a house.

If it's a foreign household registration-

First of all, you have to pay social security or tax certificate in Tianjin for six months before you can buy a house in Tianjin.

(Previously, it required 2 years of social security or tax payment certificate, and it was adjusted to 6 months from September 17. This is equivalent to lowering the threshold for foreigners to buy a house in Tianjin. )

Binhai New Area is an exception. You can buy a house with a residence permit, but you need to sell it for one year.

See how many suites you can buy.

In the six districts of the city, the four districts around the city and the five districts in the outer suburbs, foreign household registration and singles are all restricted to one suite.

Binhai new area is not limited to purchase.

* If the household registration is in Tianjin (including collective account, excluding blue-printed account)-

Take the family as a unit, and limit the purchase of two suites in other districts of Tianjin except Binhai New Area; Single people are limited to one suite.

Binhai new area is not limited to purchase.

* Note: Room tickets can be increased under the following circumstances-

● Families with many children or elderly families aged 60 and above can purchase another set of housing on the basis of the original housing purchase restriction policy.

● Family housing as a rental housing with a lease term of not less than 5 years can buy another house.

● If the property under the family name has reached the purchase restriction, you can "sell one and buy one".

However, the total number of family houses shall not exceed 2 sets.

● Houses of residents' families are expropriated by the people's governments at or above the municipal level in districts due to major urban infrastructure projects, and houses can be purchased with the expropriation agreement.

Mortgaged goods

The credit policy regarded as the "seven inches" of the property market has also been relaxed.

* Down payment-

Previously, the policy of Tianjin Commercial Loan was 30% down payment for the first set, 60% down payment for the second set and loan records for the second set.

The latest policy adjustment is:

The first set of down payment starts from 30%, and the second set starts from 40%.

And cancel the mortgage, there is no room under the name, the loan is settled, and it is still the first set.

The longest loan period is 25 years.

* cut interest rates-

Previously, the interest rate of Tianjin mortgage was the first set of LPR+30 basis points and the second set of LPR+60 basis points.

However, since 2022, Tianjin has adjusted its basis points three times and lowered its LPR three times.

At present, the latest interest rate implemented in Tianjin is:

The first set is LPR-20 basis points, and the second set is LPR+60 basis points.

In other words, compared with the interest rate level at this time last year, the first set and the second set were lowered by 85 basis points and 35 basis points respectively.

* Rare adjustment of provident fund-

The minimum down payment for the first set of provident fund loans is 30%, and the second set is 60% to 40%.

And canceled the identification of commercial loan records.

There is no house in the name, there is a commercial loan record, and there is no provident fund loan record. The use of provident fund loans can still be used as the first set.

The first maximum amount is 800,000 yuan, and the first maximum amount for families with many children is 960,000 yuan;

The second set of maximum loans is 400,000 yuan.

(It turned out that the first set of maximum limit was 600,000, and the second set of maximum limit was 400,000. )

The interest rate of the first set of provident fund loans was also lowered for the first time after seven years, from two sets unchanged. Even if the first set of stock loan takes off from 65438+ 10/month, you can buy a house by paying the provident fund in another place, but you need to meet the following three conditions:

1) employees who have paid housing provident fund in other places have been stationed in this city by their units for more than 1 year.

2) Purchase the city's own housing and the first set of housing for employees' families.

3) The off-site provident fund applies for a provident fund loan in Tianjin, with a down payment of 40% and a maximum loan of 400,000.

* "fee transfer"

This is a new second-hand housing transaction mode. Selling a house can be traded and transferred without paying off the loan in advance.

It greatly shortens the transaction time, helps to reduce the transfer cost and enlivens the property market.

At present, CCB has been implemented.

The application conditions are as follows: the buyer and seller's loan must be in CCB. The seller needs to meet pure commercial loans, and the buyer needs combination loans or pure commercial loans.

settle down

At present, the mainstream settlement methods in Tianjin are still: Haihe talents, points settled, and relatives took refuge.

The three ways are slightly different.

* "Haihe Talents" plan, with simple process and short time consumption. But there is a certain threshold.

For example, academic talents require full-time undergraduate courses, no more than 40 years old, master's degree, no more than 45 years old, and doctoral degree, regardless of age.

* The settlement of points is more "popular".

Even if you have no education, you can apply as long as you have a residence permit in Tianjin, one-year social security or three-year accumulated social security in Tianjin, and your self-test score 1 10.

The disadvantage is that there are only two opportunities a year, and the time is longer.

It is worth mentioning that the point settlement policy has been adjusted again.

● To apply for a residence permit in Tianjin, it is no longer required to "register in Tianjin for 6 months", but to "apply through the commitment system".

● Beijing-Tianjin-Hebei mutual recognition of residence permits, holders of residence permits in Beijing and Hebei Province can directly "redeem" their residence permits in Tianjin.

● From June 65438+1 October1in 2023, if the self-owned house is a new house, extra one-time bonus points can be given 15-30.

Undoubtedly, the settlement time has been greatly shortened.

* Relatives' asylum policy has also been relaxed.

In the past, in addition to the restrictions on age and residence time, the elderly were required to "have no children elsewhere", but later relaxed to "have no children outside Beijing, Tianjin and Hebei, and at least one party is a permanent residence in Tianjin".

Now, starting from 2023, the restriction of no children in other places will be completely abolished, which can be relaxed to the point where there are adult children in Tianjin.

The policy of couples taking refuge and children taking refuge has not changed.

Spouses move with them and need to be married for 3 years; Children who take refuge with their parents must be minors under 18.

(

It should be noted that family members of collective accounts cannot move with them. Children, spouses and parents can only move in after they buy a house in Tianjin and become official accounts, and only immediate family members can move in.

)

* In addition, Binhai New Area has further relaxed restrictions and encouraged six groups of people to settle in Binhai.

& gt& gt Eligible graduates and students from full-time higher vocational colleges and above in our city apply by themselves to support their spouses, minor children and immediate family members to settle down through refuge.

& gt& gt Industrial workers work in enterprises operating normally in Binhai New Area, and enterprises pay social insurance premiums for applicants 1 year (there is no record of social insurance payment in other provinces and cities 1 year in the same period). Individuals and enterprises can apply at the same time and settle down. You can directly settle down under the age of 35 (high school and below are not allowed to register), and you must have a legally stable residence in Binhai New Area over the age of 35.

& gt& gt For enterprises and institutions in other provinces and cities, such as Beijing, which have been determined by the district government or the Development Zone Management Committee through collective research and signed a framework agreement, employees who have worked in the enterprise for 1 year, their spouses and minor children are supported to settle in Binhai New Area through refuge.

& gt& gt Applicants who have held a valid residence permit in Binhai New Area for more than three years (paid personal social insurance premiums normally and continuously in Tianjin in recent 1 year, and have a legally stable residence in Binhai New Area (registration is not allowed for high school and below) are supported to settle in the legally stable residence in Binhai New Area.

& gt& gt The original legal representative of the enterprise that started business in Binhai New Area (high school and below are not allowed to register; There is no social insurance payment record of other provinces and cities in the same period in 1 year), and the accumulated personal income tax is more than 50,000 yuan, and there are more than 5 employees in the enterprise (the enterprise normally pays the social insurance premium for it continuously, and pays the social insurance premium in the same period without exception), and supports them to legally settle down in the talent market of Binhai New Area.

& gt& gt People from other provinces and cities who work and live in Binhai New Area have won honorary titles such as the May 1st Labor Medal, the May 4th Youth Medal, the Master of Skills, the March 8th Red Flag Bearer, and the Good Samaritan in Binhai New Area, and can apply for legally stable residence, unit collective households or collective households in the talent market.

go to school

Tianjin is a typical city with "few candidates and high admission rate", and its advantages in college entrance examination are superior.

In order to crack down on college entrance examination immigrants, Tianjin has introduced a three-year enrollment policy for college entrance examination since 20021.

This has a great influence on parents abroad.

On the one hand, it is necessary to plan the transfer time of children in advance.

To take the college entrance examination in Tianjin, you must have a three-year student status, which means you have to transfer to junior high school.

This involves the transfer of children and the accompanying of parents.

On the other hand, the choice of junior high school is very important.

Areas with high admission rate of senior high school entrance examination are preferred.

At this point, the advantages of the six districts in the city are the most prominent, the educational resources are of high quality, and the admission rate of the senior high school entrance examination is the first in the city.

Especially peaceful, yyds, the more you control, the higher you get.

New houses and second-hand houses are in a mess.

The problem now is that peace cannot be entered if you want to.

Whether you go to school or transfer, you need to hold the property for three years in advance (except for the new house). Xiaoshengchu registration information requires that before participating in Xiaoshengchu Yaohao, it must be consistent with the household registration book and household registration book information registered at the time of enrollment.

In other words, it was "locked" in disguise for 9 years.

So much demand has been squeezed into Hexi and Nankai.

Hexi has a strong "uniformity", and every school film has key schools. There are many private schools in Nankai.

In addition, Cape Park and airport also have advantages.

Cape Park has a nine-year compulsory Nankai school, which belongs to the urban area and is unique around the urban area.

The airport, known as "Little Peace", is inclined to recruit students from Hong Kong.

It should be noted that the wave of "people to public" in 2022 caused many schools to stop enrolling students, and the primary school scribing has also undergone great changes.

Parents must pay attention to buying school districts.