What is the Guangzhou apartment purchase restriction policy?

1. What is the Guangzhou apartment purchase restriction policy?

In recent years, the property market is very hot, and house prices have been rising all the way. The government introduced the relevant purchase restriction policy, and many people lost the qualification to buy ordinary commercial housing and bought apartments instead. Apartments can be bought at any time, and there is no threshold. For ordinary houses, apartments are generally finely decorated, and it is very convenient to move in after delivery. So, what is the Guangzhou apartment purchase restriction policy? Next, let's get to know it with Bian Xiao!

What is the Guangzhou apartment purchase restriction policy?

There is no limit to buying apartments in Guangzhou, but under the influence of 17.3.30 New Deal, apartments and shops after the New Deal need to be bought in the name of the company, and loans are not allowed, but apartments before the New Deal are not affected, and individuals can buy and borrow. At present, there are many apartments in the market that need to be purchased in the name of the company.

Why not advise you to buy an apartment?

1, the apartment is actually not cheap. Many people buy apartments because they see the total price of apartments. In fact, buying an apartment is not cost-effective. First of all, the unit price of apartments is relatively expensive compared with ordinary houses. The down payment of houses is generally around 30%. You can use provident fund loans or commercial loans, and the loan can last for up to 30 years.

2. The apartment tax is very high. Most apartments are commercial in nature, with high taxes and fees. Deed tax: 5% of the total house price, business tax: 5.5% of the total house price, land value-added tax: 65438+ 0% of the total house price, income tax: 20% (present value of the house _ original value of the house), stamp duty: 10 ‰ of the total house price, house transaction fee: 65438+ 0.9% of the total house price, and real estate property rights.

Bian Xiao's conclusion: What is the above content about Guangzhou apartment purchase restriction policy? I hope I can help you. I believe that after the introduction, you will wonder why you are not advised to buy an apartment. For more information and follow-up requirements, please refer to it.

Second, the new policy of Guangzhou apartment

Legal analysis: Real estate projects that completed land transfer transactions before March 30, 2007 (inclusive) are no longer limited to commercial and service houses, and individuals can only sell them. Banks that explicitly accept apartment mortgage loans include Bank of China, Agricultural Cotton, etc. They also have a set of access mechanism. Only when the property that has been granted access can the apartment be mortgaged. At present, the mortgage interest rate of apartment products is about 30% higher than the benchmark interest rate.

Legal basis: Article 61 of People's Republic of China (PRC) Urban Real Estate Management Law. The application for registration by the land administration department of the people's government that has obtained the land use right by allocation or allocation shall be verified by the land administration department of the local people's government at or above the county level.

Legally obtained certificates of the right to use houses built on land for real estate development shall apply to the real estate management department of the local people's government at or above the county level for registration, and the local authorities at or above the county level shall verify and issue the certificates of ownership of houses.

For the transfer of real estate, the real estate management department of the local people's government applies for the registration of real estate change, and the land management department of the people's government at the same level applies for the registration of land use right change, and the land use right certificate is changed or renewed by the land management department of 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.

3. Guangzhou Apartment 202 1 New Policy?

According to Guangzhou's housing purchase restriction policy, the specific purchase policies are as follows:

1, Guangzhou household registration residents are limited to 2 sets.

2. Guangzhou household registration single (including divorced) person purchase restriction 1 set.

3. Non-Guangzhou household registration has been taxed continuously or social security has been paid for 5 years (calculated before the purchase date), and the purchase limit is 1 set.

4. Families with non-Guangzhou household registration are restricted to purchase (including donations) 1 house in Conghua and Zengcheng District.

Downpayment policy for commercial housing

1, no house and no loan (over): minimum down payment is 30%;

2. No housing and loan records: the minimum down payment for commercial housing is 40%, and the minimum down payment for apartments is 70%;

3. Those who have a house without a loan record/those who have paid off the first home loan: the minimum down payment for commercial housing is 50%;

4. The first set of housing has not been paid off: the minimum down payment for commercial housing is 70%;

5. Housing: The minimum down payment for the apartment is 70%.

Huadu district housing purchase policy

1. In August, 20201day, the green card for talents in Huadu District will be processed, and the social security in Huadu District will take 6 months.

2. Employees of enterprises in the area and Guangzhou Airport Economic Zone (including individual industrial and commercial households registered for more than 6 months) can buy a suite without a house in the area, and can only transfer it after 3 years of proof. Parents, spouses, parents and adult children of Huadu talent green card holders who have no room in this area can buy one set in this area.

3, 985, 2 1 1 Bachelor degree, junior college degree or above, working as a middle and senior manager in an enterprise in our district, can buy a house in Huadu District, without household registration and social security.

Housing purchase policy in Baiyun District

1. As long as you start a business or work in Baiyun District for more than 6 months, you can buy a house in Baiyun with Yunju Cai Yingka or full-time postgraduate degree, doctoral degree or above. It shall come into force as of the date of promulgation and shall be valid for 1 year.

2. Qualified personnel with college education or above shall enjoy the same treatment as Guangzhou registered residents in Jianggao, Renhe, Taihe and Zhong Luotan. The above policies shall be implemented as of the date of issuance for a trial period of one year.

Housing purchase policy in Liwan District

1. Talents who have started or worked in Liwan District for more than 6 months and have postgraduate education and doctoral degree; Or have two first-class universities (A and B):

2. Talents with postgraduate education and master's degree;

3. Or have a full-time postgraduate degree from one of the world's top 500 overseas universities, and those with a master's degree or above can buy a house in Liwan District.

Housing purchase policy in Panyu District

1. Full-time study and full-time college graduates in Guangzhou University City;

2. Full-time young talents with bachelor's degree or above from double first-class universities (Class A and Class B) who have started businesses in Panyu;

3. College degree, only need to pay social security for one year in Panyu District, and hold a senior management position in the "Four Up" enterprises in Panyu District.

Housing purchase policy in Nansha District

Meet the category of 1 1 applicant (talent), have a college degree or above, and can apply for settlement after three months of social security.

1. Holders of talent green cards (including Nansha AB cards) can enjoy the same housing purchase qualification as Guangzhou hukou.

2. If you have a labor contract with an intermediate title (working in Nansha), you can also buy a suite in Nansha.

3, bachelor degree or above, working in Nansha, you can buy a set in Nansha (there is no room in Nansha, and there are rooms in other areas).

4. Guangzhou hukou, bachelor degree or above, working in Nansha. Or intermediate title, labor contract. If you don't have a house in Nansha, you can buy one in Nansha (regardless of whether there is real estate in other areas).

Differentiated housing credit policy

1. For applicants with housing loans within one year after divorce, banking financial institutions shall implement the credit policy of 1 house owned by Guangzhou residents;

2. For borrowers who are adults, unemployed, have no fixed income and whose repayment funds come from other borrowers, banking financial institutions shall implement the credit policy of Guangzhou residents' own housing 1;

3. Guangzhou registered employees have paid in full 1 year or more, and non-Guangzhou registered employees have paid in full for more than 2 years before they can apply for housing provident fund loans.

4. Is the apartment in Guangzhou unlimited now?

According to Guangzhou property market policy 2065438+Notice of the General Office of Guangzhou Municipal People's Government on Further Strengthening the Regulation of the Real Estate Market on March 30, 2007:

The commercial service house purchased by a legal entity shall not be used as a residence, and shall be transferred to the legal entity when it is transferred again.

Before the implementation of this notice, the purchased commercial service property can be transferred to a legal entity or individual; Individuals can not transfer the real estate license again until they have obtained it for 2 years.

Therefore, Guangzhou apartments are not limited to purchase, and first-hand apartments are restricted to purchase objects.