How to open the social security certificate for Wuhan settlement?

Now, if foreigners want to get the qualification to buy a house in Wuhan, most of them will choose to provide tax payment or social security certificates in Wuhan for more than two years according to the policy. But there are other ways to buy a house in Han, which is not affected by the purchase restriction policy. I have compiled the following methods for your reference:

1. Move your account to Wuhan before buying a house.

Some families with foreign household registration have bought houses in Wuhan before, and the houses meet the conditions for settlement, but they have not moved their accounts. At this time, if they want to buy a house, they need to move their hukou into Wuhan first, and then buy it. After becoming a household registration in Wuhan, those who have a suite under the name of Wuhan can buy another suite; If there is no house in the family name, you can buy at most two houses without submitting social security or tax payment certificates.

At this time, there is no extra cost, just move the account to Wuhan; However, since not most people can meet such conditions and buy real estate in Wu Hanyou in advance, we can consider using other methods to change our registered permanent residence to Wuhan, such as immediate family members, so that we can also buy a house with the same effect.

2. Buying a house is not limited to purchase or loan.

Such houses are generally non-residential in nature, mostly in the form of commercial and residential use. Because it is not limited to purchase and loan, it is also one of the optional houses for buyers. However, it should be noted that the prices of these houses are generally high, and the property rights are all forty or fifty years. At the same time, the down payment needs at least 50%, and the interest rate will rise. The preparation cost is relatively high; Moreover, there are more taxes and fees for handling two certificates or transfer in the later period.

3. Buy a house in the name of a relative or company.

Many people themselves belong to the restricted purchase group, so they want to buy a house in the name of qualified individuals or units such as relatives, others or companies. Although it is effective, it also has some shortcomings, such as buying a house in the name of others. If it is not an immediate family member, even if there is no dispute in the later period, it is still restricted by the purchase restriction order, and it is still impossible to transfer; If it is between immediate family members, it needs to be transferred according to the gift method, and the cost is not low; Buying a house in the name of the company, you can't apply for a mortgage, you can only pay it in one lump sum. In addition, if the house property right is registered in the company's name, the deed tax is 4%, and the land value-added tax will be added at the time of transfer.

Note: If children have settled in Wuhan, their parents can take refuge in Wuhan children after retirement, and they can also buy a house in Wuhan after they transfer to Wuhan household registration. If they don't have a house in Wuhan, they can buy at most two sets.

4. Buy a house in Wuhan through a collective account.

Collective hukou can be used as Wuhan hukou to buy two houses in Wuhan. However, it should be noted that in some cases, collective hukou cannot buy a house. The term of the collective account in the talent market is 2 years. Two years have passed and I don't know where it is. There are still requirements for affiliated units to buy houses and settle down in collective accounts. If the labor agreement is terminated with the unit, the account will be returned to the original place.

At present, collective accounts are divided into three categories:

1, linked to the collective account of colleges and universities (I will go back to my hometown before graduation);

2. Collective account of custody talents (generally there is a custody period of 2 years, but Wu Hanyou has a talent introduction policy);

3. The collective account of the affiliated unit (return to the place of origin before the termination of the employment contract).

Wuhan collective hukou, and the issuing authority of the ID card is also the Wuhan public security organ, can be directly treated as a registered resident of Wuhan. If you don't have real estate, you can buy two new suites in Wuhan, and you don't need to submit Wuhan's tax payment or social security certificate when you review the qualification of buying a house.

5. Buy a house without property rights (this method is not recommended).

Although you can buy a house in Wuhan in this way, most houses without property rights are not protected by law. For example, small property houses are not protected by law, you can't get loans, and demolition can't get property rights. The buyer's rights and interests cannot be guaranteed, so it is not recommended that you buy.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.