You must look at buying a house! Nanjing's latest house purchase policy in 2022! Including: house purchase, settlement, loan, transaction tax and provident fund.

Sales restriction policy

Second-hand housing "transfer with mortgage"

Locker room tax refund rules

Lending policy

Mortgage interest rate

Proof of purchase

Settlement policy

Personal credit report inquiry

Real estate transaction tax

Nanjing purchase restriction policy

foreigner

Conditions for foreigners to buy a house in the main city of Nanjing without a house;

1 year. If you pay social security for 6 months, you can issue a house purchase certificate, regardless of the collection method, and you can pay it by individuals or units.

(In July this year, Nanjing revised and issued the "Implementation Measures for the Settlement of Points in Nanjing", which mentioned that the payment of social insurance for urban workers in three provinces and one city in the Yangtze River Delta region was included in the calculation of the payment period of our city and assigned points)

Outsiders without houses buy houses in Liuhe, Lishui and Gaochun. With their ID cards and household registration books, they need to issue proof of purchase and do not need to pay social security. The purchase certificate of Liuhe District is only used in Liuhe District, excluding Getang District of Dachang.

Foreign families can buy 2 houses in Nanjing.

Nanjing household registration

Nanjing singles can buy 2 houses.

Families in Nanjing can buy three houses.

Local families with two or more children can issue proof of purchase of the third suite (proof of having two children in the street is required first, and they can use it the next day at the earliest). Other materials for issuing the house purchase certificate remain unchanged and can be purchased in any area of Nanjing, which has been implemented.

On the basis of the existing housing purchase restriction policy, A/B/C/D and doctoral talents can purchase an additional 1 house.

Buying a house in a non-restricted area is not included in the number of family properties. You can buy a third set directly with your ID card without proof of purchase.

Liuhe Lishui Gaochun Nanjing household registration is not limited to purchase and loan.

Restricted areas: Gulou, Xuanwu, Qinhuai, Jianye, South Station and Maigao Bridge.

Non-restricted area: outside the restricted area.

Nanjing sales restriction policy

The 3-year sales period is: the sales period of pre-sold commercial houses (new houses) is subject to the contract filing time; The sales time limit of existing commercial housing and existing housing (existing housing and second-hand housing) is determined on the basis of the registration acceptance time, that is, the registration time of existing housing and second-hand housing according to the home page of real estate. (The filing time of real estate can be inquired through the official account of "Nanjing Real Estate" WeChat-Service Hall-Registration Inquiry)

Nanjing second-hand house "transfer with mortgage"

In order to further improve the security of second-hand housing transactions and the convenience of real estate registration, Nanjing began to fully implement the "mortgage transfer" model of second-hand housing in mid-September this year.

See the figure below for the process and operation guide:

Nanjing housing transaction tax refund rules

From June this year 1 to June next year 1, all taxpayers who sell their own houses and buy houses again within 1 year will be refunded their personal income tax!

Policy enjoyment time: June 65438+1 October1to February 3 1 2023.

Taxpayers who enjoy preferential policies must meet the following conditions:

● Houses sold and repurchased by taxpayers should be in the same city. The scope of the same city refers to all administrative divisions under the jurisdiction of the same municipality, sub-provincial cities and prefecture-level cities (regions, States and leagues).

● Taxpayers who sell their own houses must be directly related to the newly purchased houses and should be the owners or one of the owners of the newly purchased houses.

note:

The amount of tax refund is related to the price of online signing, but not to the size of the house;

If the difference between selling a house and buying a house is less than the difference, the tax refund will be made, and if the house is sold more than buying a house, the full tax refund will be made;

The policy is implemented nationwide, and the sales tax rebate in the same city cannot be refunded in different cities;

Enterprises can't enjoy tax refund, and the policy only applies to individual housing;

* * * Taxes and fees of different property rights cannot belong to one person.

The calculation formula is:

1, the amount of newly purchased housing ≥ the current housing transfer amount, and the tax refund amount = the personal income tax paid at the current housing transfer.

2. Amount of newly purchased housing

3. If the transfer amount of existing housing and the amount of newly purchased housing are inconsistent with the approved taxable value, the approved taxable value shall prevail.

4. Value-added tax is not included in the current housing transfer amount and the newly purchased housing amount.

5. Selling houses owned by more than one person or newly purchasing houses owned by more than one person, and determining the current housing transfer amount or newly purchased housing amount of taxpayers according to the share of property rights enjoyed by taxpayers.

Time determination:

1. Time for selling existing houses: the time for taxpayers to pay personal income tax when selling houses shall prevail.

2. Time identification of newly purchased housing:

If the newly purchased house is a second-hand house, the purchase time shall be subject to the deed tax payment time when the taxpayer purchases the house or the registration time specified in the property certificate;

If the newly purchased house is a new house, the purchase time is the filing time of the housing transaction contract of the housing and urban-rural construction department.

Materials required for tax refund:

Application form for individual income tax refund for housing purchase by residents (filled in the tax window);

Taxpayer's identity document;

Housing sales contract for existing houses;

If the newly purchased house is a second-hand house, the house sales contract and the certificate of immovable property right;

If the newly purchased house is a new house, the house transaction contract (online signing) reported to the housing construction department for the record;

The bank card in my name (credit card is non-refundable).

Tax refund location:

When a taxpayer sells a house, which tax authority will he apply for a refund of personal income tax?

Nanjing housing loan policy

Provident fund loan:

In May 2022, Nanjing adjusted the amount of provident fund loans, including the first use of housing provident fund loans to purchase a second home. The maximum amount of provident fund loans is adjusted from 300,000 yuan/person and 600,000 yuan/household to 500,000 yuan/person and 1 10,000 yuan/household.

Apply for provident fund loans to buy self-occupied housing, the down payment ratio is not less than 20% of the total purchase price. Unless otherwise stipulated by the state, such provisions shall prevail.

The existing housing construction area of the family does not exceed 1.20 square meters and the per capita housing construction area does not exceed 40 square meters (adjusted in time according to the per capita housing construction area of this city). When applying for provident fund loans, the down payment shall not be less than 20% of the total purchase price, and the loan interest rate shall be 1. 1 times the benchmark interest rate of provident fund loans.

Note: According to categories A, B and C, the maximum loan amount of provident fund is relaxed to 4 times, 3 times and 2 times respectively.

Down payment ratio of Nanjing house purchase

Commercial loans:

Nanjing urban area

30% down payment for the first suite (no room, no loan)

The suite under the name 1, the first loan is settled, and the down payment is 30%.

Suite 1, two sets of outstanding loans, 60% down payment.

Third suite, stop lending

Six directions-North

The first set (no room, no loan), 30% down payment.

The suite under the name 1, the first loan is settled, and the down payment is 30%.

Suite 1, two sets of loans are outstanding, and the down payment is 50%.

Lishui and Gaochun

The first set (no room, no loan), 30% down payment.

The suite under the name 1, the first loan is settled, and the down payment is 30%.

Suite 1, two sets of outstanding loans, down payment of 40%.

(Due to policy adjustment and other reasons, the specific situation shall be subject to the major banks and business departments)

Nanjing mortgage interest rate

Provident fund loan interest rate:

The interest rate of the first individual housing provident fund loan for a period of less than five years (including five years) is lowered from the current 2.75% to 2.6%, down by 0. 15 percentage point; The interest rate of the first individual housing provident fund loan for more than five years will be lowered from the current 3.25% to 3. 1%, down by 0. 15 percentage points.

The interest rate of the second set of personal housing provident fund loans remains unchanged, and the interest rates for less than five years (including five years) and more than five years are 3.025% and 3.575% respectively.

Commercial loan interest rate:

As of June 5438+ 10, the interest rate of prime Bank's first home loan is basically around 4. 1%(LPR-20 basis points), and the interest rate of second home loan is around 4.9%(LPR+60 basis points), which is already a historically low interest rate.

Proof of purchase

Method of issuing house purchase certificate

Offline purchase certificate processing location:

Handling of different types of purchase certificates

What should I do without a house certificate?

The latest standards for identifying families without housing:

Houseless families must be registered in this city, and there is no self-owned housing in this city. When applying for a certificate of purchase, the following conditions shall be met:

There is no self-owned housing registration information and transaction records within 2 years before the date of issuance of the house purchase certificate, including house donation, real estate transaction transfer (including share transaction) and real estate transferred through judicial channels, all of which are included in the transaction records or registration information.

Pay 1 2 months of urban social insurance or personal income tax continuously in our city before the date of issuance of the house purchase certificate1year. Can not provide proof of urban social insurance or personal income tax, must be registered in Nanjing for 5 years.

After meeting the above conditions, the steps of issuing the proof of purchase are the same as those of ordinary proof of purchase, which are divided into online and offline. However, families without housing can only issue purchase certificates for families without housing, and the validity period is 180 days.

note:

Students who meet the "Regulations on the Registration and Management of Permanent Residence in Nanjing", have obtained the admission qualifications of colleges and technical schools during their school years and moved into student collective households from their original places are not recognized as "families without houses".

Personal income tax or social insurance certificate paid by family members will not be recognized in the qualification verification of house purchase.

Those who meet any of the conditions of "non-collective households registered for marriage in Jiangsu Province after 2008, unmarried single households, divorced households without minor children, and non-collective households without children born out of wedlock" can go to the "My Nanjing" APP to issue a certificate of house purchase without a room, and those who are dissatisfied need to go to the window to handle it.

How to handle the talent purchase certificate?

The following talents can apply for the talent certificate:

1 working in our city is equivalent to the A-E talents in the Measures for the Settlement of Talents in Nanjing.

Working in our city, undergraduate (under 45 years old) needs to pay 12 months social security or personal income tax (one year's salary)

Enterprises above designated size, high-tech enterprises and new R&D institutions registered in our city need a master's degree of 1 year or more, and the labor contract, social security or personal income tax (one-year salary) need 6 months.

To work in our city, the doctor needs a labor contract of more than 1 year, and it takes 3 months to pay social insurance or personal income tax in our city (the master's salary begins to flow).

5. Highly skilled personnel with senior technicians and above professional qualifications who have worked in enterprises above designated size, high-tech enterprises and new R&D institutions registered in our city.

Senior management talents and technical backbones of enterprises registered in our city with an annual tax payment of 500,000 yuan or more.

7. Recommended talents who are identified by the Nanjing High-level Talents Recommendation Committee and approved by the municipal party committee and municipal government and work in our city.

Specific process: "My Nanjing" APP→ "Nanjing Real Estate "→" Talents' Housing "→ "Talents' Housing Service"

Then according to the system prompts, upload materials such as labor relations and performance resumes, and submit them. After approval, an electronic version of the talent purchase certificate will be obtained, valid for 12 months.

note:

More than 1 is not limited to household registration, including overseas talents and talents from Hong Kong, Macao and Taiwan.

Talents need to sign a labor contract with the unit for more than 1 year and pay social insurance or personal income tax in our city.

Among them, the city's household registration is equivalent to A, B and C talents. When the application must be made, the spouse and minor children have no self-owned housing in our city, and there is no housing transaction record within 1 year.

How to handle the ordinary purchase certificate?

Directly issue the purchase voucher (in two ways)

_ Pay social security tax or personal income tax

Conditions for foreigners to buy a house in the main city of Nanjing without a house;

1 year, you can issue a house purchase certificate after paying social security for 6 months, regardless of the payment method, and you can pay by individuals or units.

Among them, the social security certificate is printed online. After I register online with valid ID at social security service windows in cities, districts and streets, I will log on to the website of Nanjing Human Resources and Social Security Bureau for printing (8:00-20:00 working days).

Tax vouchers shall be issued by myself with valid identity documents to the tax service hall.

_ Directly purchased by talents, and the following conditions must be met:

◆ Under 45 years old;

◆ Bachelor degree or above; Senior titles (including deputy senior and full senior); Professional qualification of senior technician;

◆ Provide the labor contract signed by the unit in Ning;

◆ Proof of employment.

After settling in Nanjing, it became a voucher for Nanjing people to open a house again. There are two ways to settle in points and talents.

Settlement policy

● Talents settle down.

On May 3 1 day, official website, Nanjing Public Security Bureau issued a notice on printing and distributing the "Implementation Measures for the Settlement of Talents in Nanjing (Provisional)". The new measures will be implemented from June 1 day, 20265438, with a validity period of 3 years.

The following four talents can be directly settled:

1 45 graduate students and above or undergraduate graduates (including returned overseas students and part-time graduate students with equivalent education);

② Graduates who have been employed in Nanjing for half a year, have a college degree and are under 40 years old;

3. Persons with intermediate or above professional and technical qualifications;

4. Persons with national vocational qualifications (skills) level 3 and above.

Note: Vocational qualification certificates after 20211are only recognized by the government.

● Points are settled.

On July 27, 2022, Nanjing introduced a new implementation method for the settlement of points. After the settlement of Nanjing points, the required social security payment period is adjusted to not less than 12 months, and the social security payment period in the Yangtze River Delta is determined cumulatively.

A new settlement method for points will be implemented from September 2022 1.

The settlement index of points consists of three parts: basic index, plus-minus index, that is, points = basic index+plus-minus index. When the score reaches 100, you can submit an application for settlement to the district public security organ.

● Take refuge and settle down.

_ Parents take refuge and settle down.

Both parents are required to be over the statutory retirement age and receive pension insurance benefits according to the regulations (the father is over 60 years old and the mother is over 55 years old). The applicant's domicile is legally fixed and * * * is consistent with the actual residence, and the property right belongs to the applicant himself or his spouse.

_ Husband and wife take refuge and settle down.

Has received a marriage certificate, married for 5 years, over 30 weeks. The applicant's residence is legally fixed and actually lives, and the property rights of the house are the applicant, spouse, parents and children.

_ Spouses and children take refuge and settle down.

The applicant has a marriage certificate and the children are unmarried. The applicant's domicile is legal and fixed, and the property right belongs to the applicant, spouse or children.

_ Children take refuge and settle down.

If the children are unmarried, the place where they apply for household registration is legally fixed residence and actually live, and the property rights belong to the applicant, spouse and children.

In addition, resettlement, military families, athletes and overseas Chinese can all settle in Nanjing.