Dongguan property market new policy: non-family households within four years to pay three consecutive years of social security can buy two suites

March 15, Guangdong Province, Dongguan City, Housing and Urban-Rural Development Bureau issued "& lt; on further strengthening the real estate market regulation and control of the notice & gt; policy answers" for the Dongguan City, the new policy on the property market involved in the housing purchase policy, differentiated housing credit policy adjustments to the determination of some of the implementation standards, to answer the question.

On February 27, Dongguan City issued the "Notice on Further Strengthening the Regulation of the Real Estate Market" (referred to as the "New Deal"), adjusting the purchase restriction on the number of years, differentiated housing credit policies.

New policy restrictions on the purchase of defined standards

The new policy adjusts the purchase of commercial housing restrictions: First, the purchase of a second set of non-resident families to buy the continuous payment of social security requirements from two years to three years; second, the divorce purchase, new household purchase, corporate purchase and other cases were clearly defined requirements. The new policy is aimed at curbing investment and speculative purchases and plugging the speculation loophole.

After the new policy, what are the conditions for non-Dongguan residents to purchase a home?

Non-Dongguan resident families in Dongguan City to buy the first set of commercial housing (new or second-hand commercial housing, the same below), shall be in the two years prior to the date of purchase of Dongguan City, month-by-month social security payments for a full year; in Dongguan City to buy a second set of commercial housing, shall be in Dongguan City, four years prior to the date of purchase of Dongguan City, month-by-month social security payments for a full three years.

Second, before the new policy has paid a deposit to buy a second set of commercial housing, has not yet been for the net signing or transfer of non-Dongguan household buyers, whether they need to meet the "must be in the four years before the date of purchase of Dongguan City, month-by-month continuous payment of social security for a full three years," the conditions in order to net signing or transfer?

Prior to the new policy, a subscription letter (real estate sale and purchase contract or real estate sale and purchase contract) has been signed for a commercial property, a deposit or part of the purchase price (excluding cash payment) has been delivered to the developer (seller), and the number of years of social security payment has been in line with the requirement of "paying social security in Dongguan continuously for two years on a month-by-month basis within the three years prior to the date of the purchase of the property". Requirements, the qualification of the purchase of housing according to the implementation of the relevant provisions of the new policy before, can be normal for the net signature or transfer procedures. If you don't meet the above requirements, the new policy will be implemented in accordance with the provisions of the new policy, that is, in the four years prior to the date of purchase of Dongguan City, month by month, continuous payment of social security for a period of three years.

Transactions in transit need to be completed before August 31

Three, how to determine the validity of transactions in transit before the new policy?

The following conditions need to be met at the same time:

One is that the buyer needs to meet the pre-new policy qualification conditions for purchasing a home when signing a subscription letter for a commercial property or an intermediary contract for the sale of real estate or a contract for the purchase and sale of real estate.

The second is that the electronic transaction certificate of the buyer's payment of deposit or part of the purchase price shows that the time of the fund transaction was before the new policy.

Thirdly, second-hand housing transactions are subject to Dongguan's restriction on transfer (sale). For those housing units that do not comply with the relevant transfer restriction conditions at the time of the transaction, they will not be recognized as transactions in transit before the new policy.

Four, the new policy before the transaction in transit has been obtained housing query proof of purchase restrictions on their net signatures or transfer procedures have no specific time limit requirements?

It is recognized as a pre-New Deal transaction in transit, and it is allowed to continue to sign the Contract for Sale and Purchase of Commodity Housing, Contract for Sale and Purchase of Real Estate, and to handle the transfer procedures before August 31, 2021.

V. What are the specific regulations for people (enterprises) who pay and receive deposits and part of the purchase price?

In principle, it is recognized in accordance with the relevant provisions of the Notice on Further Implementation of the Policy of Restriction on Purchase and Transfer of Commodity Housing (Dongjian [2020] No. 8), which was issued on September 3, 2020, in principle.

Before the new policy, couples with interests are still implementing the original policy

Sixth, "If a couple is divorced, and either party buys a commercial housing unit within two years of the date of divorce, the number of housing units owned by them will be calculated according to the total number of units in the family before the date of divorce" How is it determined?

If a husband and wife are divorced and either party purchases a commercial housing unit within two years from the date of divorce, the number of housing units owned by the original family shall be calculated according to the total number of housing units owned by the family on the date of divorce (based on the time of registration of the Divorce Certificate or the time of entry into force of the court judgment). That is, if a couple divorces on or after February 27, 2021, the number of housing units owned by either party who purchases a commercial housing unit within two years from the date of divorce shall be calculated on the basis of the total number of housing units owned by the family before the divorce. If the couple divorces before February 27, 2021, the original policy will be implemented.

Seven: "Newly-arrived resident families purchasing their first newly-built commercial housing must have settled in Dongguan for half a year and have paid social security continuously month by month for half a year for two years prior to the purchase of the housing." What is the meaning of "new household" and "first set of commercial housing"?

(1) The term "new household" in the new policy refers to the registration of household registration on or after February 27, 2021, in the Hukou book. Those who enter the household before February 27, 2021, will be subject to the original policy.

(2) "The first set of new commercial housing" refers to the first set of new commercial housing purchased in Dongguan since February 27, 2021, after entering the city. Specifically, the following three situations: 1. In Dongguan City, the family does not have commercial housing in Dongguan City, the first set of housing purchased in Dongguan City since February 27, 2021, after the entry into the city of newly built commercial housing, subject to the "must be settled in Dongguan City for half a year and in the two years prior to the purchase of social security month by month for half a year" ("double half a year"). "Double half a year"); if the first set of commercial housing purchased is second-hand housing, it is not subject to the "double half a year" restriction. 2. If the family owns a set of commercial housing in Dongguan before settling down in Dongguan, after settling down in Dongguan from February 27, 2021, the first set of housing purchased is newly built commercial housing. The first set of housing purchased is a new commercial housing, also need to meet the "double half a year" requirement. 3. After the new policy to enter the city of Dongguan when the family has two or more sets of commercial housing in Dongguan City, the suspension of the sale of new commercial housing to them.

Eight, the enterprise subscribed to the commodity housing before the new policy, but the enterprise registration has not been completed for 2 years, can the enterprise continue to complete the transaction after the new policy?

Enterprises that have subscribed for commercial housing before February 27, 2021, and have signed the Contract for the Sale and Purchase of Commodity Housing and the Contract for the Sale and Purchase of Real Estate, can continue to complete the transaction according to the original policy.

After the new policy, the commercial housing under the name of an individual industrial and commercial household registered under the name of an individual by applying for the real estate change registration business, can only be traded and transferred (including gifts) after the expiration of three years according to the registration date of the changed real estate title certificate.

Nine, to receive the construction of "residential housing" "talent housing" and other properties of corporate institutions need to meet the "approved by the market supervision and management authorities registered for two years" conditions? The company's business is not a business that is not a business, but a business that is not a business.

According to the land grant announcement and the construction transfer supervision agreement and other documents, the enterprise organization designated by the government as the receiving unit to receive the construction of "residential housing" and "talent housing" may not be subject to the condition of "two years of registration approved by the market supervision and management authorities". Supervisory and management authorities approved registration for two years".

Prior to the new policy, the original mortgage policy was implemented for those who signed the subscription agreement

Ten, the new policy has partially adjusted Dongguan's differentiated housing credit policy, how is it articulated?

For the buyer and seller have signed a written subscription agreement before February 27, 2021, and the buyer paid a deposit or part of the house (excluding cash payments) and can provide the corresponding bank, Alipay, WeChat and other transfers of valid certificates can be regarded as a de facto contractual relationship of the purchase of the house has been established, and the implementation of the original differentiated housing credit policy.

Xi, the resident family in Dongguan City, no housing, but outside the city has a home and housing loans have not been settled, in Dongguan City, the purchase of housing can be loan?

Credit records can be checked for housing loan records of resident families nationwide. If a resident family has an outstanding housing loan record and does not have a home in Dongguan City: if there is one housing loan record outstanding, the down payment ratio for the purchase of ordinary housing in Dongguan City shall not be less than 50%, and the down payment ratio for the purchase of non-ordinary housing shall not be less than 60%; if there are two sets of housing loan records outstanding, the suspension of the issuance of commercial personal housing loans for the purchase of housing in Dongguan City.

Twelve, the resident family in the field has a settled housing loan, in Dongguan City, there is a set of housing and housing loans are not settled, in Dongguan City, the purchase of housing can apply for a loan? How much is the down payment?

Resident families in foreign countries have a settled housing loan, there is a housing in Dongguan City and housing loans are not settled, if you can provide the relevant departments of the field housing issued by the relevant departments of the register, proving that the field housing is no longer in the name of the resident family, the purchase of ordinary housing in Dongguan City, the downpayment ratio of 50%, the purchase of non-ordinary housing downpayment ratio of not less than 60%. If it cannot be proved that the foreign housing is no longer under the name of the resident family, the issuance of commercial personal housing loans for the purchase of housing in Dongguan City will be suspended.

Thirteen, the resident family has 1 set of full-payment purchase of commercial housing in foreign cities, no loan records, want to buy a home in Dongguan, the down payment should be how many percent?

Resident families with no housing in Dongguan City and no housing loan records (including commercial housing loans and provident fund housing loans, the same below), the down payment ratio for the purchase of ordinary housing in Dongguan City is not less than 30%, and the down payment ratio for the purchase of non-ordinary housing is not less than 40%.

Fourteenth, before the couple divorced, one of the parties has been mortgaged to buy two sets of housing, and the other party has no house in his name. After the divorce, the party who did not have a house before marriage can be recognized as no house and no loan records?

If a couple divorces after the new policy, and either party buys a commercial housing unit within two years from the date of divorce, the number of housing units owned by them will be calculated according to the total number of housing units in the family before the divorce, and likewise their loan records will be calculated according to the total number of housing units in the family before the divorce.

Fifteen, the purchase of commercial housing applications for housing loans, Dongguan City, differential housing credit policy by which department to review?

There are two kinds of cases:

(1) the purchase of commercial housing to apply for housing fund personal housing loans, by the Dongguan Municipal Housing Provident Fund Management Center in accordance with the provisions of the relevant policies of Dongguan City Housing Provident Fund Loans for review;

(2) commercial housing to apply for a housing commercial loans, by the buyer to apply for a loan by the commercial banks according to the differentiated housing credit policy related regulations for review.