Can I buy a house in Jinan after the social security payment is cut off? You got it all wrong.

Near the end of the year, although the policy tightened, some buyers began to buy houses. In terms of qualification judgment and property right signature, a lot of unpopular knowledge is easily overlooked. The following four common misunderstandings about buying a house, I believe you have encountered them more or less.

First, social security withholding tax can be remedied.

When considering buying a house, the qualification of buying a house is undoubtedly a problem that buyers must consider. At present, more and more cities join the army of purchase restriction, and put forward social security payment requirements ranging from 1 year to 5 years for non-local household registration buyers. However, once the handover is not timely due to reasons such as changing jobs, social security will be broken, and many people who plan to buy a house even dare not change jobs for this reason. Then, does social security payment really mean that the qualification review of buying a house should start from scratch? Actually, not necessarily.

According to industry insiders, many cities refer to social security and individual taxes when judging the qualifications for buying a house. Take Jinan as an example. After the New Deal, families with non-Jinan household registration are required to provide personal income tax or social insurance certificates for more than 24 consecutive months when they purchase 1 house in Jinan.

At present, the process of social security payment by units or others in Jinan is basically the same as that by individuals. It should be noted that social security can be paid directly by local household registration in Jinan, and only when agricultural registered permanent residence has a local job can social security be paid by foreign household registration.

Repayment terms

Persons with household registration in our city, in our province's organs, enterprises, institutions and social group work, but who have terminated their labor relations or left their original units for various reasons, have reached the prescribed age, and have not participated in the basic old-age insurance for enterprise employees or interrupted payment.

Supplementary material

The household registration in our city has been working in organs, enterprises, institutions, social organizations and other units in our province, but due to various reasons, the labor relationship has been terminated or left the original unit, and the employees who have reached the prescribed age have not participated in the basic old-age insurance for enterprise employees or interrupted payment, and individuals apply for payment. The applicant shall go through the payment procedures at the relevant business offices (departments) of the social insurance agency where the household registration is located or where the current unit pays. And submit the following materials:

1. Individuals apply for supplementary payment;

2. Original and photocopy of ID card and residence booklet;

3 employee pension insurance manuals and files;

4. The originals and photocopies of relevant original materials, such as labor contracts and employment agreements, which prove that they have experienced in the organs, enterprises, institutions and social group work of our province;

5. Declaration Form for Paying Basic Endowment Insurance (Individual);

6. Other relevant materials required by social security institutions.

Repayment process

1. The payer shall submit a written application and relevant materials to the relevant business department of the social insurance agency where the payment is made.

2. The staff will review the materials after acceptance.

3 through filing, notify the unit to pay the social insurance agency. If unqualified, return the materials to the unit in time.

Processing time limit and its cost

Processing time: on-site acceptance that meets the requirements after review 10 working days.

Handling fee: free of charge.

1. Pay late fees.

We all know that gasoline has a late fee, and electricity, water and credit cards also have late fees and interest. But many people don't know that social security will charge late fees and interest if it exceeds a certain period, and the money is still quite large.

Last year, a citizen wanted to pay 20 10 to 20 14 of the old-age insurance, totaling 34 190 yuan. In addition, there were 2,559 yuan of interest, 28,224 yuan of late fees, and 3 1058 yuan of interest and late fees.

Many people who want to pay it back don't know that there will be a late fee after the social security is broken. First of all, the calculation rules of the late payment fee are as follows: From July 20th11,an additional five ten thousandths of the late payment fee will be added to the social security fee newly owed by the employer from the date of default to the day before the employer declares that it has successfully paid it back. Note that the key is two words: first, according to the day; Second, five ten thousandths;

Converted into the formula is: late payment fee = monthly social insurance premium payable * days in arrears * five ten thousandths. It is reasonable to say that five ten thousandths can't collect a few money, but the key is that it can't bear to collect it every day, so it will become a small amount after a long time.

However, don't be particularly uncomfortable. In practice, the late payment fee is generally levied on the insured units or individuals who fail to pay the fees on time. If the payment is not made on time, it should go to the local social security agency to go through the formalities of paying the arrears of the previous year before March 3 1 of that year. Individuals who are in arrears in the annual insurance coverage must pay late fees.

B, pay interest.

If the social security is not paid on time, in addition to the principal, the interest on the unpaid principal during the unpaid period should also be paid. Interest is calculated according to the current interest of the bank. In fact, interest is paid to ensure that the insured who is in arrears will be treated synchronously with those who pay social security normally in the future, and the interest paid will also be included in the personal account.

C. How to prevent social security payment?

Although it is inevitable to change jobs, find a new unit before resigning and negotiate with the new unit to pay social security in advance. In case your old club breaks your social security and the new unit doesn't give it to you, that is the most regrettable thing.

At this time, someone asked, I quit my job so soon and haven't found a new job, or I won't find a suitable unit for a while, so I can only watch the social security break there. In fact, in the face of this situation, Bian Xiao suggested:

Looking for an agency

If you quit your job and can't continue to pay social security, but you are afraid that social security will be broken, then the first method you can refer to is to find an institution to help you pay. The advantage of finding a company to pay for you is that it is almost exactly the same as paying for a normal job, and all five kinds of social insurance can be renewed.

One thing, although the organization can help you, all the money needs to be paid by yourself, not only by individuals, but also by units. In addition, you have to bear an agency fee. This method is chosen to keep social security unchanged, so in order to save money, many people will choose the lowest level of payment. Taking Beijing as an example, it seems that the social security paid by an institution is about 1.3 million to 1.5 million a month. To put it bluntly, it means that you work in this organization, but this company does not pay you, and you are entirely responsible for social security. So in order to maintain social security, the personal burden is still very heavy.

Go to the social security bureau to pay social security yourself.

However, it is limited to local accounts, and the Social Security Bureau does not accept foreign accounts. Moreover, the social security paid is still different from the social security paid by the company. The company helps you pay the social security for urban workers, and the social security for urban residents is paid by the Social Security Bureau. After all, the social security of residents is not as good as that of employees.

So, now you know why it will be very troublesome for social security to be cut off. It's best not to cut it off. If the situation is really special, please find a good agency to help pay it to prevent the social security from being broken.

Second, "doll owners" are easy to buy but not easy to sell.

Now there are more and more "doll owners". At an early age, they had property purchased by their parents. Parents let underage children be real estate owners, but also for their children's future, with good intentions. But there are many differences between underage children buying second-hand houses and adults buying second-hand houses. If not handled properly, it may cause trouble.

In China, the protection of minors' property is strict. Parents, as guardians, must produce a statement that they are selling the property for the benefit of minors, and also provide a certificate signed by the guardian to ensure that they are qualified as guardians before selling the property under the name of minors. Otherwise, parents selling the property under the name of minor children at will may lead to litigation and even be invalidated by the court.

Three, housing inheritance or no longer compulsory notarization

(The above answers were published on 20 16- 12-29, and the current relevant housing purchase policies should be based on the actual situation. )

For more real estate information, policy interpretation and expert interpretation, click to view.