The latest policy of Hefei house purchasing qualification 2022

The latest policy of Hefei's housing purchase qualification: if there is no house under the name of Hefei household registration, 2 new houses will be restricted; If there is 1 suite in the name, the new house is limited to 1 suite; You can't buy a new house if you have two or more sets of names.

If there is no room in the urban areas of four counties and one city, you can buy 1 set of new or second-hand houses in the urban areas by submitting a house purchase application.

Non-Hefei urban areas and four counties and one city have to pay social security/kloc-0 for more than two months before they can buy 1 new or second-hand houses.

In addition, you can get the qualification to buy a house through the talent settlement policy before, but the policy has expired and the new talent policy in Hefei has not yet been introduced, so the most reliable way at present is to pay social security for one year.

1. Which areas in Hefei are restricted to purchase and which areas are not restricted to purchase?

The restricted purchase areas are as follows:

New houses in urban areas (government area, Binhu District, High-tech Zone, Baohe District, Shushan District, Luyang District, Economic Development Zone, Xinzhan District and Yaohai District);

Second-hand houses in some urban areas (Binhu District, Government District and High-tech Zone);

Second-hand houses in other designated school districts (Nanmen Primary School District, Hongxing Road Primary School District, Lu 'an Road Primary School District, Nanmen Road Primary School Forest City Campus, Lu 'an Road Primary School China Railway International City Campus, 42 Middle School District, 45 Zhong Lu 'an Road Campus, 45 Zhong Oak Bay Campus; Academy District Xiyuan Xincun Primary School North School District, Anjuyuan Primary School District, Daoxiang Village Primary School District, and 50 Chinese and Western School Districts; Economic Development Zone 168 Rose Garden Middle School District, 168 Rose Garden South Campus Middle School District; Baohe District 48 Middle School District and Tunxi Road Primary School District; Yaohai District 38 Middle School District, Heping Primary School District)

The unrestricted areas are as follows:

New houses in four counties and one city (Feixi County, Changfeng County, Feidong County, Lujiang County and Chaohu City);

Second-hand housing outside the scope of Binhu District, administrative district, high-tech zone and designated school district.

Second, in Hefei, how to identify just-needed buyers?

How can we become just needed? The following four conditions must be met and are indispensable: they are in line with the purchase restriction policy, I and my family have no housing in the urban area and no previous housing transfer records, and have not paid taxes or social security for more than two consecutive years in three years, and they are under 35 years old.

According to the New Deal of Hefei 4.6 property market, those who just need to buy a house can enjoy the policy dividend of 30% down payment, and the chances of buying a house increase.

Third, Hefei Yaohao bought a house and gave up the qualification to suspend Yaohao twice. How to determine?

Registered buyers who give up buying houses twice after choosing houses through notarization and lottery will be suspended from buying houses for 6 months from the end of the last house selection. "It means to give up buying a house twice after choosing a house.

For details, please poke: Hefei Yaohao gave up the qualification to buy a house and suspended the Yaohao twice.

4. What properties in Hefei need to be restricted for sale?

From April 6, 20021year, the hot real estate with the ratio of registered buyers to saleable houses greater than or equal to 1.5 will be sold by lottery, and the development enterprise will entrust a notary office to notarize. When selling commercial housing by notarization and lottery, the development enterprise shall provide not less than 30% of the newly purchased housing. The house purchased by Yaohao shall not be listed and traded within 3 years from the date of obtaining the certificate of immovable property rights.

5. What is the down payment ratio of the first and second houses?

New houses in the restricted area only need to pay a down payment of 30%, which is not only based on the down payment required by real estate or financial institutions;

The down payment of second-hand houses in the restricted purchase area starts from 30%, depending on how much the landlord or financial institution requires to pay down;

The first set of commercial loans in the nine districts starts from 30% down payment, the second set starts from 60% down payment, and the third set stops lending;

Provident funds must comply with the purchase restriction policy. For the first time, the benchmark interest rate for applying for provident fund loans will not rise, and 3 suites will stop lending.

Commercial loans in four counties and one city start with 2.5% down payment, two sets start with 3.5% down payment, and three sets stop lending.

6. What is the current commercial loan interest rate in Hefei? Is it higher or lower than last year?

After 1.20, the interest rate of LPR over five years will be 4.6%, and it will be lowered by 5BP (basis point). The interest rate of Hefei mortgage will be lowered from 5.88% in the first set to 5.83%, and that of the second suite will be lowered from 6.37% to 6.32%, which will be officially implemented on February 9. Mortgage interest rates of Hefei 16 prime Bank is as follows, which is for reference only and depends on the actual situation.

legal ground

"People's Republic of China (PRC) City Real Estate Management Law" Article 32 When the real estate is transferred or mortgaged, the ownership of the house and the land use right within the scope occupied by the house shall be transferred and mortgaged at the same time.

"People's Republic of China (PRC) City Real Estate Management Law" Article 34 The state practices a real estate price evaluation system.

Real estate price evaluation should follow the principles of justice, fairness and openness, based on the benchmark land price, the calibrated land price and the replacement price of various houses with reference to the local market price, and be carried out in accordance with the technical standards and evaluation procedures stipulated by the state.