Social security requirements for buying a house in Shanghai

The social security requirement for buying a house in Shanghai is that the buyer should be married; Property buyers have no room in Shanghai; Social security payment can be provided for 63 months from the date of purchase and accumulated for 60 months. Social security payment can be paid for 60 months within five years.

Shanghai local household registration conditions are as follows:

1. Families can buy two houses by providing household registration books and marriage certificates, and singles can provide household registration books to buy a house.

2. Households with 1 apartment in this city are restricted from buying 1 apartment (including new commercial housing and second-hand housing).

3. Families who already own two or more houses will be suspended from selling houses to them in this city. In violation of the provisions of the purchase, not for real estate registration.

Shanghai's housing policy is as follows:

I. Commercial loan policy.

1. If a resident family purchases the first home (that is, there is no home in this city under the name of the resident family and there is no commercial housing loan record or provident fund housing loan record) and applies for a commercial personal housing loan, the down payment ratio shall not be less than 35%;

2. If there is 1 house in this city, but there is no house in this city but there are records of commercial housing loans or provident fund housing loans, the down payment ratio of commercial loans shall not be less than 50%. For the purchase of non-ordinary self-occupied housing, the down payment ratio of commercial loans shall not be less than 70%.

Second, the provident fund loan policy.

1. The down payment ratio of the provident fund is still 30% (the housing area is greater than 90 square meters) and 20% for the paid employee families who have purchased the first house and have never used the provident fund;

2. Increase the down payment ratio of the second improved house purchase to 50% for ordinary commodity housing and 70% for non-ordinary commodity housing, and increase the loan interest rate of the second ordinary commodity housing by10%; The high limit of personal loans for two sets of ordinary commodity housing is lowered by 654.38+10,000 yuan;

3. Stop issuing loans to employees' families with two provident fund loan records;

4. The multiple of the loan amount determined by the borrower according to the balance of the provident fund deposit account is reduced from 40 times to 30 times;

5. Strictly implement the calculation ratio of repayment ability of the Ministry of Housing and Urban-Rural Development, and reduce the monthly repayment amount to no more than 40% of the salary base.

legal ground

Regulations on the administration of housing provident fund

Twelfth housing provident fund management committee shall, in accordance with the relevant provisions of the People's Bank of China, designate commercial banks entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted banks); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank.