How soon can I buy a house in Nanchang?

There is no time limit, and the conditions for buying a house are as follows:

Household registration in this city

1, the first suite: no room and no loan in Nanchang, buying a house in the restricted area, the down payment ratio is about 30%. I have a house in other places, and the loan has not been paid off. After I settled in Nanchang, I bought a house in the restricted area with a down payment ratio of 40%.

2. Second Suite: I own a house in Nanchang 1, and the loan has been paid off. You can only buy a house in a non-restricted area, with a down payment ratio of 40%; The loan is not settled, and the down payment ratio is 50%.

3. Second suite and above: having two houses in Nanchang, or having 1 house in Nanchang, and still having 1 loan outstanding, are considered as two houses. In the above situation, it is not allowed to buy a house in the restricted area, but only in the non-restricted area, and the full amount is required. (As long as it is a non-restricted area, buy the house in full, regardless of the number of sets)

4. Apartment, office building and shop (40-year property right): generally 50% down payment, commercial loan only, the longest 10 year.

5. Collective hukou: Collective hukou is also considered as Nanchang hukou, and you can buy a house in the restricted area.

6. Non-restricted areas: In some areas, the minimum down payment for the first suite is 20%, and that for the second suite is 30%. The identification rule of the first suite and the second suite is "loan recognition", and more than two sets need full payment.

Non-local household registration

1. First suite: If you have no house or loan in Nanchang and can provide 2-year social security certificate or tax payment certificate, you can buy a house in restricted and non-restricted areas, with a minimum down payment ratio of 20%-30%.

2. Second suite: Only 1 apartment can be held in Nanchang, regardless of the purchase restriction or not.