What are the preferential policies for Foshan social security to buy a house?

Any friends who want to buy a house in Foshan? What are the policies for buying a house in Foshan? Foshan also has a limited purchase area. What is the policy of buying a house in the restricted purchase area? Let's learn about the policy of buying a house in Foshan!

Foshan House Purchase Policy in 2022

1. You can buy a house of 1 in Foshan's restricted area after one year of social security or individual tax, regardless of the non-restricted area.

2. If you buy a house in Foshan, if you or your spouse are registered in Foshan, you can apply to use the Guangzhou Provident Fund loan to buy a house, otherwise you can't. You can withdraw after buying a house, but you can't enjoy the preferential interest rate of the provident fund.

3. Use the talent card to buy a house, one-year social security or individual tax, with a down payment of 30% in the restricted area and 20% in the non-restricted area; There is no social security and individual tax for one year, with a down payment of 40% in the restricted area and 30% in the non-restricted area;

4. Foshan "recognizes loans and does not recognize houses". My hometown has a mortgage record. If the mortgage has been paid off, the first loan will be implemented (that is, 30% in the restricted area and 20% in the non-restricted area); If the mortgage is not paid off, it will be implemented according to the second set of down payment (that is, 40% in the restricted area and 30% in the non-restricted area).

5. Buying an apartment and then buying a house will not be counted in the mortgage record. Mortgage only includes commercial loans and provident fund loans. Loans to buy apartments, commercial office buildings, parking spaces and other real estate do not belong to the category of mortgage.

6. After the first set of provident fund loans is paid off in advance, you can apply for provident fund loans by buying the second set. It should be noted that a person can only use the provident fund twice at most.

7. The provident fund can only be used when it has accumulated for 6 months and accumulated for more than 1 year. The maximum personal loan amount of the provident fund is 300,000, and the maximum for both husband and wife is 600,000.

Foshan restricted purchase area

Within the whole area of Chancheng District, Guicheng Street, dali town and Feishui in Nanhai District, Daliang Street, Chencun Town, Beizhen Town and Lecong Town in Shunde District, the policy of restricting the purchase of commercial housing (including new commercial housing and second-hand commercial housing, the same below) will be implemented. In the restricted area, both first-hand houses and second-hand houses are restricted.

Foshan purchase restriction policy

(1) If a household registered in this Municipality owns two or more houses in this Municipality, the sale of commodity houses in the above areas shall be suspended.

(two) non registered households in this city have no housing in this city. If you purchase commercial housing in the above areas, you need to provide the personal income tax payment certificate or social insurance payment certificate that you have paid in this city for more than 1 year within two years before the date of purchase. The paid personal income tax or social insurance payment voucher will not be recognized.

(3) Non-registered households in this Municipality own 1 houses and above, and the sale of commercial housing in the above areas is suspended.

(four) overseas institutions and individuals to buy houses, in strict accordance with the relevant policies of the state.

Online verification of Foshan's house purchasing qualification

Online verification of purchase qualification means that the purchaser must verify the purchase qualification online before buying a house. If the online verification of purchase qualification passes, the audit system will automatically generate the electronic code of purchase qualification.

One purchase qualification electronic code corresponds to one purchase family, and the same applicant (including the applicant's family members) can apply for two purchases qualification verification within 30 days.

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