Is the second-hand house restricted?

Second-hand housing belongs to the scope of restricted commercial housing. In the general purchase restriction policy, it is stipulated that the restricted housing includes commercial housing and second-hand housing. Taking Chengdu's purchase restriction as an example, Chengdu's purchase restriction policy stipulates that new commercial housing or second-hand housing purchased in Chengdu Zhiguan District of Tianfu New District and Nanyuan of Chengdu High-tech Zone shall meet the following purchase conditions:

1. The purchaser has a household registration in the area to be purchased (if the household registration has been moved into the area to be purchased for less than 24 months, he should be employed stably in the area to be purchased and pay social security continuously for more than 2 months), or his household registration is not in the area to be purchased but he has been employed stably in the area and paid social security continuously for more than 24 months.

2. Families with two or more sets of registered residents in this city have less than 1 set (including 1 set), or adult single families with registered residents in this city and families without registered residents in this city have no own houses in this city.

Therefore, second-hand housing belongs to the scope of purchase restriction.

Unlimited second-hand house

1, commercial property houses are not limited to purchase and loans, and other houses are limited to loans.

2. Houses with unlimited purchases and loans are not included in the purchase index, because houses with unlimited purchases and loans are commercial land and houses with 70-year property rights are residential land. Does not affect the next loan to buy a house.

3. Unlimited purchase is because it is a commercial property. Of course, there are also unlimited houses, that is, buildings around the city. Unlimited loan refers to loans, because ordinary mortgages can only be loaned twice, and after two times, they can only be fully paid or mortgaged/unsecured. General apartment down payment 50%.

How to buy a house when restricting purchases?

1. Provide social security or tax certificate as required: In the urban purchase restriction policy, foreigners are generally required to meet certain social security conditions, so buyers can buy a house if they meet this condition.

2. Settle down first and then buy a house: You can choose to settle down in a restricted city first, so that you can enjoy the same conditions for buying a house as locals.

However, it is necessary to remind buyers that they do not have to settle down to buy a house. Take Chengdu as an example. In Chengdu, there are some restrictions when buying a house if the new household registration is less than 24 months.

3. Buying a house in the name of a company: at present, the transfer of real estate to individuals in various cities is still affected by the restricted purchase policy.

4. Choose the way of real estate gift: Some cities stipulate that real estate gift is not affected by the purchase restriction policy. Take Wuhan as an example, many people buy houses in Wuhan in the name of relatives and friends, and then transfer their ownership by gift after obtaining the property right certificate. Housing gift does not require the donee to have the qualification to buy a house, but the gift needs to bear taxes and fees.

5. Buying commercial housing: In most cities with restricted purchases, commercial housing is not affected by the policy of restricting purchases and loans (except Beijing). Therefore, property buyers can buy commercial housing, but they should pay attention to the nature of commercial housing, such as office, business, forty or fifty years of property rights, high taxes and fees, commercial water and electricity, and high living costs. In some first-tier cities, it is necessary to introduce policies to strictly control the conversion of commercial housing into residential use, so the risk of living is greater.