What conditions do foreigners need to buy a house in Chengdu?

There are more people buying houses, and there are more consultation on buying houses. In view of the recent questions of Chengdu property buyers, this paper sorts out this in-depth dry goods for the reference of netizens who bought houses in Chengdu for the first time and the second time, and makes an in-depth analysis from ten aspects (all data are updated to 65438+February 2020): 1. According to the data released by a real estate professional organization, the current housing price level in Chengdu is 65438+the end of February 2020. The annual supply of commercial housing is 25.78 million m2; The annual turnover was 265,438+830,000m2. From the data point of view, the supply of housing in Chengdu still exceeds demand, and the second floor (mostly concentrated in Tianfu New District) is still the main force at both ends of supply and demand, accounting for more than 40% of the housing market in Chengdu.

In 2020, the supply of new houses in Chengdu will reach 204,450 sets. In the first half of the year, which was seriously affected by the epidemic, the pace of obtaining evidence slowed down, and in the last quarter, especially in 65438+February, it reached a spurt growth, and many online red discs entered the market this month.

Judging from the trend of transaction price, the price of a circle continued to be high, and the volume of transactions obviously rose to a certain height and then began to fall back, showing weak performance; The prices of the second and third floors remained stable.

The average price of new houses in the downtown area (namely, six districts of the downtown area: Jinjiang District, jinniu district, Qingyang District, Wuhou District, chenghua district and Gaoxin South District, the same below) is 2 1, 6 1.6 yuan/m2;

The average price of Tianfu New District is 19 146 yuan/m2, up by 15% from the previous month (at the end of the year, the red market of Tianfu New District was concentrated in the market, which lowered the regional price, otherwise the region is likely to exceed 20,000+); Its price is comparable to "5+ 1 area", which is almost close to the transaction price of the main city plate, and the investment attribute is gradually decreasing;

The average price of new houses in suburban areas (namely Pidu District, Wenjiang District, Shuangliu District, Longquanyi District, Xindu District and Gaoxin West District, the same below) 153 15 yuan /m2 decreased by 3.7% from the previous month, with a slight decrease.

The average price of suburban counties (namely qingbaijiang district, Dujiangyan, Jintang, chongzhou city, Pujiang, Pengzhou, Jintang and Dayi, the same below) is about 8,420 yuan/square meter, which is the same as that of 8,396 yuan/square meter in last quarter. It is worth noting that the average transaction price of Xinjin, Dujiangyan and Qionglai.

Second, Chengdu's current purchase restriction policy (1) Chengdu's latest patch policy:

On June 24th, 2020, 165438+ Chengdu Housing and Construction Bureau and the Municipal Bureau of Justice jointly issued the Supplementary Notice on Perfecting the Relevant Provisions on Notarized Commodity House Selection by Lottery.

The "Notice" has made new provisions from the aspects of implementing the pre-qualification standard for purchasing houses and giving priority to selling hot properties to families without houses.

After165438+1October 24th, the buyer needs to make two points clear:

1. If you want to buy a house in Chengdu, you need to apply for the pre-trial code in advance to register.

2. If the number of applicants exceeds 3 times the number of houses, the qualifications of families without houses shall be reviewed in the first, second, third and fourth order. When the number of people who passed the audit reached three times the number of houses, the audit was stopped.

This means that the general education has basically missed the popular real estate. If the real estate is extremely hot, even the third and fourth places may be missed.

(2) List of the following previous policies:

Chengdu was interviewed by the central authorities many times before, and finally released the latest housing purchase policy on September 14, with the specific focus as follows:

1. Increase the supply of residential land and optimize the supply structure. Residential land accounts for not less than 60% of the operating land, and not less than 70% in areas with tight supply and demand, giving priority to ensuring the supply of affordable housing land;

2. Accelerate the organic renewal of the city, intensify the transformation of old residential areas and improve the living quality;

3. Improve the priority ratio of shed reform and families without houses in the notarization lottery, and the minimum priority ratio of shed reform will be increased from 10% to 20%, and the minimum priority ratio of families without houses will be increased from 50% to 60% of the remaining houses after shed reform;

4. Give play to the role of tax adjustment, and adjust the period of exemption from value-added tax for individual housing transfer from 2 years to 5 years.

In addition to the newly released policies, other housing purchase policies in Chengdu remain unchanged. All friends who want to buy a house should take a closer look at the following restrictions:

1, limit the number of housing units by family.

① Singles can only own one house in Chengdu;

2 married, divorced with minor children (with custody); You can own two houses in Chengdu;

(3) The elderly can buy a house by relying on their children to settle down, but it will occupy the places of their children (children are not qualified to buy a house, and the elderly cannot buy a house);

Divorce time is less than 2 years. You have to find out how many houses a family has, and you can't buy a house if you exceed them.

⑤ To buy a second house in Chengdu, you must be registered in Chengdu.

2. You need to be qualified to buy a house.

A. High-tech South Zone, Chengdu Zhiguan District of Tianfu New Zone, High-tech West Zone, main urban area and suburbs meet any of the following conditions, and are eligible to purchase houses:

(1) has been settled for 24 months;

② The company has continuously paid social security for individuals for 24 months.

③ It has settled down and the company has continuously paid social security for individuals 12 months.

B, the qualifications of the suburban counties are relatively loose, and you are eligible to buy a house if you meet any of the following:

(1) It is qualified to purchase houses in High-tech South Zone, Chengdu Zhiguan District of Tianfu New Zone, High-tech West Zone, main city and suburbs.

② The company continuously pays social security for individuals 12 months.

③ Settle in Chengdu.

C, two consecutive policies were introduced to reduce the impact of the epidemic on the qualification of buying houses.

1. When employees of the insured units purchase houses before the end of June 2020, if the insured units delay paying social insurance premiums due to the epidemic, and the social insurance payment certificate provided fails to show the social insurance payment amount from/kloc-0 to June normally, it will be regarded as continuous payment, and their eligibility for purchasing houses will not be affected.

2. When the employees of the insured units purchase houses from February to June in 2020, the insured units enjoy the exemption of three social insurance premiums in stages, and if the unit deposit provided in the social security certificate is "0" and the individual has paid it, it will not affect their eligibility for buying houses.

3. Employees of insured units purchase houses from July 2020 to June+February 65438. If enterprises and institutions sign an agreement on holdover of social insurance premiums with the municipal or district (city) county social security bureau, the holdover period shall be regarded as continuous payment of social insurance premiums, which will not affect their eligibility for buying houses.

3. There are restrictions on the urban areas that buyers can buy, as shown below.

Third, Chengdu's mortgage policy and interest rate According to statistics, at present, nine times out of ten people who buy a house in Chengdu need a loan, and not many people can/are willing to pay the full amount in one lump sum. Mortgage can be divided into commercial bank loans and housing provident fund loans according to sources.

The down payment ratio of the first suite of Chengshang Loan is not less than 30%, and the down payment ratio of the second suite is not less than 50% (including 70% for the second suite in Gaoxin South District and Tianfu New District, 50% for the second suite on the third floor, and 60% for other areas).

The identification of Chengdu provident fund loan is relatively complicated;

1, first suite: no room and no outstanding housing loan. Under normal circumstances, the down payment ratio is not less than 30%;

2. Second suite: it belongs to one of the following situations. Under normal circumstances, the down payment ratio is not less than 40%;

A. There is a house but no outstanding housing loan (nationwide)

There is no housing, but there is an outstanding housing loan.

C, there is a house, there is an outstanding housing loan, and it is the same house (proof materials such as loan contract and housing ownership information must be provided).

3. Three or more houses: in any of the following circumstances, no loan will be granted;

First, there are more than two houses.

B there are two or more outstanding housing loans (nationwide)

C, there is a house, there is an outstanding housing loan, and it is not the same house (the mortgage depends on the nationwide mortgage).

According to the China Mortgage Market Report from June 5438 to October 2020 10, the average interest rate of the first home loan and the second home loan in China was 5.24% and 5.55% respectively from June 5438 to February 2020, which will be the highest interest rate in Chengdu and has lasted for half a year.

The first and second sets in Chengdu have been rising for several months, with a cumulative increase of 46 basis points and 37 basis points in 65438+February, and the interest rates are 6. 13% and 6.28% respectively. From a national perspective, it is the city with the worst price increase.

From the interest rate point of view, although the LPR interest rate announced by the People's Bank of China has dropped to 4.65%, it is now in the period of real estate regulation and control, and banks that implement loans generally give extra points. Therefore, the first home loan interest rate actually paid by Chengdu buyers is above 5.8%, and the second home loan interest rate is basically 6. 1%, so the interest rate is not cheap!

Fourthly, the development potential of each region in Chengdu.

1. Generally speaking, the higher the housing price, the better the regional development and the more mature the supporting facilities. I suggest going back to the first point and looking at the housing prices in Chengdu.

2. The development of Chengdu is eastward, southward, westward, northward and moderately ahead. The central area is bounded by the expressway around the city (the main city) and is mature; Nantuo is Tianfu New District. After more than ten years of development, the infrastructure of Tianfu New District has also been built. In the past two years, there have been more developers, and land prices and housing prices are relatively high. Jin Dong is Dong 'an New Town, East New District, Huaizhou New Town and Jianzhou New Town. Dong 'an New Town is the concept of 20 19 planning, and the East New District was approved by the provincial government in April 2020, which is a provincial new district.

As the benchmark of xiong'an new area, the East New District is positioned as a new gateway for the country to open to the west and south, a new platform for the construction of the twin-city economic circle in Chengdu-Chongqing area, a new support for the integration of Germany, the United States and Germany, a new engine for new economic development, and a new home for demonstrating the concept of park city.

According to the development goal of the East New District, five years later, the regional urban form will basically appear, with a permanent population of 800,000 and a regional GDP of 48 billion yuan.

3.TOD is being vigorously promoted in Chengdu. In May 2020, Chengdu Rail Group announced the first TOD map, including 16 TOD projects. At present, the integrated design has been completed and has entered the construction stage one after another. If you don't know that TOD can be Baidu, it is one of the infrastructures of an international city, which has a great influence on people's future travel, residence and shopping life, and will also be an important factor in the rise of surrounding real estate.

Verb (abbreviation of verb) The opening, construction and planning of Chengdu subway. Chengdu subway is really awesome. By 20 19, seven * * * lines, totaling 302.285 kilometers, have been completed and opened to traffic, ranking among the best in China.

By the end of 2020, five lines will be opened, with a mileage of 5 15 km, ranking the top four in China, second only to Beishangguang.

By 2024, Chengdu will open eight lines, forming a 692-kilometer rail transit network. Basically, the buildings in the main city and suburbs will be subway stations, and only two or three buses will be transferred at most.

Many real estate projects will take the publicity of the subway as a gimmick. Here remind buyers to pay attention to screening. Generally speaking, a property within 800 meters from the subway station is called a subway house, which means walking 10 minutes. If it is too far away, you need to take the bus and enjoy the bicycle to transfer, which will definitely increase many inconveniences and uncontrollable factors.

Recently, the 18 line has been put into trial operation, and it is expected that the whole line will be opened at the end of the year, which will not only ease the pressure on the 1 line, but also allow Tianfu Airport to travel around the world on the 18 line after its opening.

2020 12+08 am 10, five elements are concurrent! Chengdu Metro Lines 6, 8, 9, 17 and 18 from Sancha Station (excluding) to Tianfu Airport North Station were officially opened for initial operation. At this point, the operating mileage of Chengdu rail transit has exceeded 500 kilometers!

Sixth, Chengdu talent settlement and points settlement policy At present, buying a house in Chengdu is linked to the hukou, so how can we settle in Chengdu?

For those with full-time bachelor degree or above and under 45 years old, they can settle down with their diplomas, and the procedures are relatively simple. For detailed procedures and steps, please pay attention to the official WeChat account of Chengdu Public Security Bureau "Chengdu Public Security Micro Account Management".

Seven, Chengdu's future housing price trend has always been a particularly controversial topic. Both sides hold their own opinions, and no one can let the other side give up.

Here I only quote a data from the National Bureau of Statistics to illustrate the problem. Since April of 20 18, the price index of new commercial housing in Chengdu has been rising for 24 consecutive months, with a cumulative increase of 56.8% since the end of 20 15.

There are many factors that affect housing prices, such as population, inflation, policy orientation, economic development, infrastructure construction and industrial development. This can even be discussed in a book. This article will not be expanded too much. From the point of view of housing, I suggest you buy it as soon as possible.

Eight, the process of buying a house in Chengdu At present, buying a house in Chengdu must be registered online. The previous website registration of Chengdu Housing Society was changed to the current Chengdu Housing and Urban-Rural Development Bureau.

1. For those that have been opened before, buyers will directly choose the real estate according to their qualifications, and then have a property consultant to guide them all the way.

2. Open a new project, register it on the website of Chengdu Housing and Construction Bureau, and then wait for the process of review, lottery and house selection. Property buyers need to know the market in advance and choose the real estate they want to buy. If it is a popular, high-scissors property, whether it can be bought depends entirely on luck.

9. The trap of buying a house you are concerned about is 1. Tianfu New District covers a large area, including Chengdu Zhiguan District, Xinjin District, Jianyang District and Meishan District. Salesmen of some properties in Shigao Town and Qinglong Town, Renshou County, Meishan City often use the concept of "Tianfu New District" to fool buyers, and buyers should be vigilant.

2. Although the property subject to judicial auction is not eligible for purchase (not limited to household registration and social security, but limited to the number of sets), if you want to buy it, please be sure to check the various interests of the property in advance, such as whether you owe property fees, whether the house has signed a lease contract, whether the degree is occupied, whether there is a mortgage guarantee, and so on.

3. Those houses with the gimmick of "no purchase" are probably apartments and shops, or they may not be houses within the administrative area of Chengdu. Buyers should ask clearly before making a decision.

4. Planned public infrastructure, such as subways, schools, businesses, hospitals, parks, etc. , is likely to change. Unless there is a very clear government approval, it may go up in smoke, or it may not reach the height of promotion. Be careful.

5. It is best to go to see the real estate in the daytime and at night, and go around 1 km to get a better view.