How to interpret Guangzhou's purchase restriction policy

1. Guangzhou purchase restriction policy-foreigners purchase restrictions in Zengcheng, Conghua 1 set.

According to the new purchase restriction order issued by Guangzhou Municipal Government, from March 3 1 day, newly purchased houses (including newly-built product houses and second-hand houses, the same below) of residents' families must obtain the certificate of immovable property rights for two years before they can transfer ownership or go through the production analysis procedures; Enterprises, institutions, social organizations and other legal entities must obtain the certificate of immovable property rights for 3 years before they can be transferred.

In addition, if the house is given to others, it must be 2 years before the house can be purchased again; Those who accept residence gifts must comply with the current purchase restriction policy of this Municipality.

Previously, Zengcheng and Conghua, which have been rumored, finally landed. According to the new regulations on purchase restriction, non-Guangzhou registered households are restricted to purchase (including gifts) 1 apartment in Conghua and Zengcheng.

Second, Guangzhou's purchase restriction policy-demand provident fund loans

New regulations on the return of restricted purchases: for those who need household registration loans within one year after divorce, the bank financial arrangement shall be implemented according to the credit policy that households have 1 apartment in Guangzhou.

At the same time, for borrowers who have expired, have not worked, have no fixed income, and the repayment funds come from other co-borrowers, the bank's financial arrangements should further tighten the loan conditions of residence and implement the credit policy of 1 residence owned by households in Guangzhou.

The threshold for using provident fund loans has also been promoted: 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.

Third, Guangzhou's purchase restriction policy-new loan restriction regulations

1. For those who need household registration loans within one year after divorce, the bank's financial arrangements shall be implemented according to the credit policy of 1 apartment owned by households in Guangzhou.

Interpretation: Buying a house less than a year after divorce is as shocking as not getting divorced.

2. For borrowers who have expired, are unemployed, have no fixed income, and the repayment funds come from other co-borrowers, the credit policy of Guangzhou 1 household shall be implemented.

Interpretation: Buying a house without a stable job is suitable for your existing one.

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

Interpretation: Bundled provident fund loans, Guangzhou people have to pay more than 1 year, and foreigners have to pay more than two years.

Here, Bian Xiao interprets Guangzhou's purchase restriction policy for everyone, and buyers can learn about it.