What procedures and conditions do husband and wife need to borrow money to buy a house?

1, new tenants can buy a house if they have paid social security continuously every month for 2 years before the date of purchase 1 year;

2, suspend the sale of commercial housing to individual industrial and commercial households;

3. Houses that purchase houses must meet the requirements of the city's housing purchase restriction policy;

4. For houses newly sold after August of1year, if they are less than 5 years old, the value-added tax shall be paid in full at the rate of 5%; More than 5 free;

5. Sell new houses and establish a registration system for purchase intention. For hot real estate projects, the system of notarization, lottery and points sorting will be implemented, and the period of restricted sale will be extended from 3 years after obtaining the property right certificate to 5 years. Relevant implementation rules shall be formulated separately;

6, second-hand housing sales, the establishment of second-hand housing transaction guidance price system, shall not accept and publish through online and offline channels significantly higher than the listing price of second-hand housing transactions in this city;

7. Auction land, strengthen the linkage mechanism of house price and land price, and strictly examine the qualifications of land buyers;

8. If the purchaser practices fraud, it is forbidden to buy a house within 5 years; 9. Strictly check down payment and strengthen loan management.

Legal basis:

Notice on Further Strengthening the Regulation of the Real Estate Market

First, after the New Deal, what conditions do non-registered families in this city need to have to buy a house?

Non-registered households in this city purchase the first set of commercial housing (new commercial housing or second-hand commercial housing, the same below) in this city, and must pay full 1 year social security monthly in this city within two years before the date of purchase; If you buy a second set of commercial housing in this city, you must pay social security monthly for three consecutive years before the date of purchase.

2. Before the New Deal, non-local household buyers who have paid a deposit to buy a second set of commercial housing and have not gone through the formalities of online signing or transfer need to meet the condition of "continuously paying social security in this city for three years every month within four years from the date of purchase" before online signing or transfer?

Commercial housing subscription book (real estate sales agency contract or real estate sales contract) has been signed before the New Deal, and the down payment or part of the purchase price (excluding cash payment) has been paid to the development enterprise (seller). The social security payment period has reached the requirement of "paying social security for two consecutive years in this city on a monthly basis within three years before the date of purchase". The qualification for purchasing a house is determined according to the relevant regulations before the New Deal, and the online signing or transfer procedures can be handled normally. Do not meet the above conditions, according to the provisions of the New Deal, that is, within four years before the date of purchase, the city has continuously paid social security for three years.

Third, how to determine the validity of in-transit transactions before the New Deal?

The following conditions must be met simultaneously:

First, when signing commercial housing subscription book or real estate sales agency contracts or real estate sales contracts, property buyers must meet the pre-New Deal purchase qualifications.

Second, the electronic transaction voucher for the buyer to pay the deposit or part of the purchase price shows that the transaction time of funds is before the New Deal.

Third, second-hand housing transactions must meet the conditions of restricted transfer (restricted sale) in our city. If the house does not meet the relevant transfer restrictions at the time of the transaction, it will not be considered as an in-transit transaction before the New Deal.

4. Is there a specific time limit for online signing or transfer procedures for in-transit transactions that have obtained proof of housing purchase restriction before the New Deal?

Before the New Deal, it was deemed as an in-transit transaction, and it was allowed to continue to sign the Commercial House Sales Contract and the Real Estate Sales Contract before August 3, 20021year, and handle the transfer procedures.

5. What are the specific regulations for individuals (enterprises) who pay and collect the deposit and part of the house purchase price?

In principle, it is determined in accordance with the relevant provisions of the Notice on Further Implementing the Policy of Restricting the Purchase and Transfer of Commercial Housing (Dong Jian [2020] No.8) issued on September 3, 2020.

Six, "after the divorce, any party buys a commercial house within two years from the date of divorce, and the number of houses it owns is calculated according to the total number of families before the divorce"?

If the husband and wife divorce, and either party purchases commercial housing within two years from the date of divorce, the total number of houses owned by the original family shall be calculated according to the date of divorce (based on the registration time of divorce certificate or the effective time of court judgment). That is, couples divorced on or after February 27th, 20021year, if either party purchases commercial housing within two years from the date of divorce, the number of housing units owned by them shall be calculated according to the total number of families before divorce. Husband and wife divorced before February 27th, 20021year, according to the original policy.

Seven, "new families to buy the first set of new commercial housing, must be settled in this city for half a year, and social security for half a year two years before buying a house." How to understand "new household" and "first commercial house"?

(a) the "new household" in the New Deal refers to the household registration time of 202 1 on or after February 27th. Those who entered the household before February 27th, 20021year shall be subject to the original policy.

(2) "The first set of newly-built commercial housing" refers to the first set of newly-built commercial housing purchased after entering our city on February 27th, 20021. It is divided into the following three situations: 1. If the family did not own commercial housing in our city before entering our city, the first set of housing purchased after entering our city on February 27th, 20021year is a newly-built commercial housing, which must meet the requirements of "having settled in our city for half a year within two years before purchase and paying social security for half a year continuously every month" ("double half a year"); If the first set of commercial housing purchased is a second-hand house, it is not subject to the "double half year" restriction; 2. If the family owned 1 set of commercial housing in our city before entering our city, and the first set of housing purchased after entering our city on February 27th, 20021year is a newly-built commercial housing, it still needs to meet the requirements of "double half year"; 3. After the New Deal, if the family owns two or more sets of commercial housing in this city, the sales of new commercial housing will be suspended.

Eight, before the New Deal, the enterprise subscribed for commercial housing, but the enterprise was registered for less than 2 years. Can enterprises continue to complete transactions after the New Deal?

Before February 27th, 20021year, if the enterprise has subscribed for commercial housing and signed commercial housing sales contracts and real estate sales contracts, it can continue to complete the transaction according to the original policy.

After the New Deal, commercial housing under the name of individual industrial and commercial households can be traded and transferred (including gifts) only after three years from the date of registration of the changed certificate of immovable property rights.

9. Do enterprises and institutions that accept property construction such as "Anjufang" and "Talent Room" need to meet the conditions of "being approved and registered by the market supervision and management authorities for two years"?

According to the land transfer announcement and construction transfer supervision agreement and other documents, enterprises and institutions designated by the government to receive the construction of properties such as "Anjufang" and "Talent Room" may not be subject to the restriction of "being approved and registered by the market supervision and management authorities for two years".

X. The New Deal partially adjusted the differentiated housing credit policy in our city. How to link it up?

If the buyer and the seller have signed a written subscription agreement before February 27th, 20021year, and the buyer has paid the down payment or part of the house price (excluding cash payment) and can provide valid transfer vouchers such as corresponding bank, Alipay and WeChat, it can be regarded as the fact that the house purchase contract relationship has been established and the original differentiated housing credit policy is implemented.

11. Can a resident family buy a house with a loan in this city without housing in this city, but with housing in other cities and outstanding housing loans?

Credit records can query the housing loan records of households nationwide. Households with outstanding housing loan records and no housing in this city: with outstanding housing loan records 1 set, the down payment ratio for purchasing ordinary housing in this city is not less than 50%, and the down payment ratio for purchasing non-ordinary housing is not less than 60%; If two sets of housing loan records are not settled, commercial personal housing loans will be suspended in this city.

Twelve, households have settled housing loans in other places, there are 1 house in this city, and the housing loans are not settled. Can I apply for a loan to buy a house in this city? What is the down payment?

Residents' families have settled housing loans in other places, and have 1 house in this city, but the housing loans are not settled. Can provide a search certificate issued by the relevant departments of the foreign housing territory, proving that the foreign housing is no longer under the name of the residents' family, the down payment ratio for purchasing ordinary housing in this city is not less than 50%, and the down payment ratio for purchasing non-ordinary housing is not less than 60%. If it is impossible to prove that the foreign house is not under the name of the resident's family, the commercial personal housing loan will be suspended when buying a house in this city.

XIII. Households in other cities have purchased commercial housing 1 set in full, and there is no loan record. If they want to buy a house in this city, what is the down payment?

If there is no housing in this city and there is no housing loan record (including commercial housing loans and provident fund housing loans, the same below), the down payment ratio for purchasing ordinary housing in this city shall not be less than 30%, and the down payment ratio for purchasing non-ordinary housing shall not be less than 40%.

Fourteen, before the divorce, one party has mortgaged to buy two houses, and the other party has no room. After the divorce, can the party who has no house before marriage be considered as having no house and no loan record?

After the New Deal, the couple divorced, and if either party buys commercial housing within two years from the date of divorce, the number of houses owned by them is calculated according to the total number of families before the divorce, and the loan record is also calculated according to the total number of families before the divorce.

Fifteen, the purchase of commercial housing to apply for housing loans, the city's differentiated housing credit policy by which department audit?

There are two situations:

(a) the purchase of commercial housing to apply for housing provident fund personal housing loans, the Dongguan Housing Provident Fund Management Center in accordance with the relevant policies and regulations of the city's housing provident fund loans for review.

(two) commercial housing to apply for housing commercial loans, commercial banks applied by buyers in accordance with the relevant provisions of the differentiated housing credit policy for review.