Do deep households need social security to buy a house?

Shenzhen household registration residents require three years of social security when buying a house, and non-deep households require five years of social security.

Deep household, adult single (including divorced):

You must have settled in this city for 3 years, and you can provide proof that you have paid personal income tax or social insurance in this city for 36 months or more before the date of purchase before you can buy commercial housing.

Non-deep households and adult singles (including divorce):

Continue to follow the provisions of paying personal income tax or social insurance certificate for 5 years or more in this city before the date of purchase before purchasing commercial housing.

Description of social security payment

Social insurance refers to any two kinds of insurance: endowment insurance, medical insurance and industrial injury insurance.

1, deep household, adult single (including divorced):

If the payment of social security is suspended within 3 years before the date of purchase, but not more than 3 months (including 3 months), and the social security has been paid for 36 months in our city within 3 and a half years before the date of purchase, and it meets other purchase conditions, you can purchase commercial housing;

2. Non-deep households and adult singles (including divorce):

If the payment of social security is interrupted within 5 years before the date of purchase, but not more than 3 months (including 3 months), the accumulated payment of social security for 60 months in our city within 5 and a half years before the date of purchase, and if other purchase conditions are met, commercial housing can be purchased. Continuous payment and accumulated payment do not include overdue payment.

If the social security cannot be paid on time during the epidemic, and the payment is completed within 3 months after the local epidemic is lifted, it is regarded as continuous payment of social security, and its payment and payment are not included in the review of social security requirements for house purchase.

First, the conditions that deep households need to meet when buying a house in Shenzhen

You can buy two sets of ordinary houses in Shenzhen, with a down payment of 30% for the first set and 70% for the second set.

Second, the conditions that non-deep households need to meet when buying a house in Shenzhen.

(1) Qualification for purchasing a house

Non-Shenzhen hukou: 30% down payment for the first suite (social security has been purchased for one year, and the supply has not been stopped in the latest year) and 70% down payment for the second suite (Shenzhen real estate has been sold, with loan records).

Non-deep households: no social security, social security less than one year or no payment in the last year, no qualification for buying a house.

(Social security for one year: generally refers to 13 months or more)

(2) Non-deep households need to meet the following conditions (related materials) when they borrow money to buy a house in Shenzhen:

1, with legal and valid identification (resident ID card, household registration book or other valid identification and proof of marital status;

2. Have a good credit record and willingness to repay;

3, with a stable source of income and the ability to repay the loan principal and interest in full and on time;

4. Commercial housing sales (pre-sale) contract or letter of intent signed with the purchaser;

5. Have the ability to pay the down payment of the purchased house;

6. Open a personal settlement account in a bank;

7. There is an effective guarantee recognized by the lender;

(3) Non-deep households need to provide materials

Your ID card, household registration book, marriage certificate (if you are not married, provide a single statement), proof of income, provide the ID card and telephone number of the local guarantor. If the monthly payment exceeds 3,000 yuan, you need to provide proof of your bank account or stock fund in the past three months, but it must be your own name. (Generally, the monthly running water needs to be 2.5 times of the monthly supply. )

Legal basis:

Article 58 of the Social Insurance Law of People's Republic of China (PRC) * * * The employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.