What are the conditions for buying a house in Shenzhen how to save more money?

After the introduction of the new policy of the Shenzhen property market, the current Shenzhen home buyers into a wait-and-see state. Many people are uncomfortable with the changes in social security requirements to buy a house in Shenzhen, so what conditions are needed to buy a house in Shenzhen? What are the conditions for foreigners to buy a house in Shenzhen? The following take a look at the conditions for buying a house in Shenzhen.

Shenzhen buy real estate conditions:

1, Shenzhen hukou: the purchase of the first set of housing down payment of 30%, the purchase of the second set of housing down payment of 70%.

2, non-Shenzhen hukou: (buy social security for one year, the last year no broken mortgage) to buy the first housing down payment of 30%, (the name of the Shenzhen real estate has been sold, there is a loan record) to buy the second housing down payment of 70%.

3, non-Shenzhen households: no social security, social security less than a year or the last year there is a broken mortgage, no qualification to buy a house.

Social security for one year: generally means more than 13 months.

The conditions for foreigners to buy a house in Shenzhen:

A, Shenzhen household

1, have proof of identity, ID card, household registration, marriage certificate, etc.;

2, to buy social security in Shenzhen continuously for 11 months;

3, have a legally valid temporary residence permit in Shenzhen;

4, to provide more than one year's proof of social security or tax payments

5, have the above conditions to the family as a unit can enjoy the policy of purchasing two sets of housing.

Second, non-Shenzhen household

1, ID card, household registration, marriage certificate and other certificates;

2, there is a source of income proof;

3, to buy social security in Shenzhen continuously for more than a year;

4, there is a legally valid temporary residence permit,

5, can provide more than one year's social security or tax proof;

5, can provide more than one year's social security or tax proof;

6, to meet the above conditions in order to enjoy the purchase of two sets of policy as a family unit. p>6, to meet the above conditions to the family as a unit can only buy a set.

Shenzhen buying policy:

Shenzhen local household registration does not need social security, to the family unit can buy two suites. If you have a previous loan record, re-purchase according to the policy of the second suite of payment contributions, if not, according to the first suite of payment contributions.

Shenzhen buy real estate reference advice:

For the work years are not long, the economic accumulation of more limited home buyers, more suitable for ladder type, or step by step home ownership, home ownership is best to buy a small household. To this end, a few specific suggestions for reference:

One, before buying a house to liquidate their existing cash flow, including deposits, cash, you can cash in the stock, and so on. According to the cash flow, consider the payment method and the down payment that can be paid, so as to consider the total price of the house purchased.

Two, calculate the family income and expenditure after the purchase of the house. When calculating, income should focus on fixed and reliable sources, such as wages, bank deposit interest, bond interest, etc.; expenses include monthly payments, property management fees, water, electricity, gas and telephone, normal living expenses, entertainment and education costs, parents' medical expenses. If the young couple is ready to buy a house after the "add a mouth", must also set aside a large fee.

Three, 80 after the purchase of real estate is not based on the region as the main basis, consider more is the traffic, the convenience of life, such as in the bus line is wide, there is rail transit or planning vision of the place to buy a house.

Four, it is recommended to consider the object of small house, two rooms is a more appropriate choice, one can be used as a study, later can be used as a children's room, more practical. If the economy permits, or to be in the bag after the rich, only to buy some of the larger models.

Fifth, to consider the education factor. Now buy most of the house is a period house, more than a year to live in, by then is to consider marriage, have a baby. Therefore, after 80 must buy a house near the kindergarten, elementary school.

Shenzhen to buy a house how to save more money

Save money secrets one:

Choose the well-decorated house. Well-decorated houses can be handed over directly to move in, eliminating the cost of renovation, but buy well-decorated houses to pay more attention to the delivery standard, do not hold too high expectations.

Money-saving tips two:

The fresh demand family who can CPF loan, according to their own savings to choose the loan amount of 800,000 yuan or less of the house. CPF loans are generally capped at $800,000, and by choosing to take out a full CPF loan, you will be able to avoid the large amount of interest that comes with a commercial loan. For example, if the total price of the house is around 1.2 million dollars, you only need to put down about 400,000 dollars, and then take out a CPF loan for the rest.

Money-saving tip 3:

Choose a house with a high rate of home ownership, currently on the market with a rate of home ownership of more than 80% of the house, the price is closer to the average price of the set.

Save money on the secret four:

For the first home buyers, buy a house as much as possible to choose the existing or quasi-existing house. In addition to being able to move in as soon as possible, it also saves rent in disguise and reduces the cost of living expenses.

Save money secret five:

Choose to give area of the building. Currently on the market, many properties will be launched to give area of the promotional measures, in addition to the common send window terrace, there are projects to launch a direct gift of 10 square meters of small study situation. It is important to note that, ask more clearly the origin of these areas, whether written into the contract and other information.

Saving Money Tip 6:

To find the end of the project. Most of the tail houses on the market are priced lower than those in the centralized sales period, so if you can catch the right type of house, it's more cost-effective to get a house of the same quality at a lower price.

Save money Tips 7:

Buy subway disk, mainly focus on the surrounding properties that have not yet opened the subway. Has opened the subway area price, inevitably because of the track and value enhancement, housing prices are also relatively high, and in the track has not yet been opened to traffic before the attention of the selected to be opened to the track around the property, timely home ownership, can enjoy affordable prices, but also enjoy the convenience of transportation.

Saving money secret eight:

Property fee is a trivial expense compared to buying a house, but the property fee is a long lasting expenditure, buy property fee is lower house, the cost of living after moving in can save a lot.

Shenzhen buying strategy

90 after

In recent years, a large number of university graduates "90 after" into society, to different jobs. At the same time, many 90 after joining the army of home buyers, and gradually began their own home buying journey. In order to buy a home for 90 families on the road less detour, please take a look at these practical strategies to buy a home:

One, buy a home without one step

90 after graduation this year, most of them are still in the beginning of the career period, the economic income is limited, the majority of people need to buy a home to the parents of the money should be taken into full consideration of the entire family's economic status quo and the children's ability to spend the money.90 parents. Selecting a house for their children, do not need to pursue one-step to a large household, because most of the post-90s children are more personalized, more ideas, the requirements of the house will not be set in stone. Should not be "greedy" and want to achieve the effect of one step, sometimes, choose to buy a small second-hand home, is not a good way.

Two, observe a good 5 kilometers life radius

90 after the personality, like to contact new things, for this age group of home buyers, the location is more important to them. The concept of circle of life will evolve into a preferred condition for future life residence. You can calculate the time, driving from the project site to the nearest business circle, 20 minutes or so, take the bus from the project site to the nearest business circle up to 40 minutes or so, such a distance is more appropriate, appropriate to check the center of the circle of the residence they buy, 5 kilometers within the radius of the life of a variety of supporting facilities are ripe for the more suitable for the purchase of 90 years.

Three, the most practical variations of the type of

For the 90 later said, the demand for the house was initially only satisfied with the residence, so from 30 square meters of small house, to 70 square meters of two-room apartment are more suitable for them. 90 after the selection of the house, try to choose a more flexible design of the space. The post 90s with personality like to have fully functional and versatile housing. The depth of the house and the size of the opening should be reasonable, and the most important thing is the problem of lighting.