Latest 2023 Policy in Nanchang Restricted Purchase Area

1, ratio of purchase restriction and down payment

Around the beginning of April 2022, Nanchang has lifted the purchase restriction by default, and the whole Nanchang is not limited to the purchase area, but there is no official document, and the specific recovery time is unknown.

Accurately speaking, Nanchang did not liberalize the purchase restriction, but relaxed the purchase restriction, changing the number of sets of purchase restrictions from one to two. Foreign accounts do not need to provide another two-year social security certificate, but only need to provide a work certificate. In other words, the restricted purchase area has not changed much, but the number of restricted purchases has changed.

Restricted purchase areas: mainly Nanchang City, Nanchang County's newly-built Chang _ District and Li Antang District; Unrestricted areas include Jiulong Lake, Xianghu River, Hu Xiang New City, Jiangxiang, south of the Silver Triangle, Xinwangcheng and Regular Lake. At present, the restricted purchase area allows local registered families to buy two houses, and foreign registered families can buy one house with proof.

Non-restricted areas: (Jiulong Lake, Nanchang County, Wanli) are completely liberalized, and unlimited purchases are allowed. Non-local families can also buy multiple houses. Note that the purchase restriction is based on individuals, that is to say, in the case of "full payment", there are 2 sets under the name of individuals and 4 sets under the name of husband and wife in the restricted purchase area, and minors can now buy a house in full. Rules for determining the number of sets: as long as the loan is paid off, even if there is no loan under the name, it is the first set, and it is also based on individuals. In other words, one spouse has a loan, and the other spouse can still be considered as the first set.

Down payment ratio: if you buy a house, not a new house or a second-hand house, the down payment ratio is 20%, and the down payment ratio of the second suite is 30%; For the purchase of non-residential properties such as apartments, the down payment ratio is the same as before, with a down payment of 50%.

Identification of local household registration: 1. The family members of the purchaser are the purchaser himself, spouse and minor children, and one of the family members of the purchaser is registered in Nanchang; 2. Property buyers hold collective household registration in this city, and judge whether it is Nanchang household registration by the location of the issuing authority recorded in the ID card (excluding temporary id card).

2. The policy of restricting the sale of three houses.

Nanchang real estate sales restrictions are divided into two situations, three-limited houses and non-three-limited houses.

The restriction on the sale of non-three-limit houses has been lifted, and you can trade as long as you get the real estate license. Three-limited rooms still follow the five-year sales policy. Three-limited housing policy: Nanchang issued the "three-limited housing" policy in 2065438+2007, in which the three-limited housing refers to the commercial housing (including commercial and residential) projects developed and built in the way of "price limit and competitive land price". In the process of commercial housing sales and transfer, measures such as price limit, object limit and transfer limit are adopted, which is referred to as "three-limit housing" for short. Priority will be given to non-householders under the name of Nanchang hukou.

Because the three-limited houses give priority to local households without houses, foreign accounts cannot participate in the purchase of three-limited houses. However, if the number of people who buy three-limited houses is insufficient, the remaining houses can enter the market normally without changing the nature of the three-limited houses.

3. Mortgage policy

Nanchang mortgage is mainly divided into commercial loans, provident fund loans and portfolio loans.

Commercial loans: commercial loans rely on LPR+ bank bonus points to calculate interest rates. According to the data of National Interbank Funding Center, the quoted interest rate (LPR) of the loan market in 2022 is: 1 year LPR of 3.65%, and LPR of 5 years or more is 4.30%. The above LPR is valid until the next LPR.

On the basis of LPR, banks can add -20 basis points, so the interest rate of the first home loan in prime Bank for five years is basically 4. 1%, and the interest rate of the second home loan is 4.9%.

The interest rate of some special business loans and credit loans can be as low as 3 prefixes, but this is not recommended.

Provident fund loan: use housing provident fund (including railway provident fund) loan to purchase the first house (including commercial loan to provident fund loan), with a minimum down payment ratio of 20%; Buy two houses (including commercial loans to provident fund loans), and the minimum down payment ratio is 30%.

For employees whose husband and wife both pay housing provident fund, the maximum amount of personal housing loan is 800,000 yuan, and for employees who pay housing provident fund unilaterally, the maximum amount of personal housing loan is 700,000 yuan.

Loan interest rate: the annual interest rate for the first home loan 1-5 years (including 5 years) is 2.6%, and the annual interest rate for loans over 5 years is 3.1%; 1-5 years (including 5 years), the annual interest rate of the second home loan is 3.025%, and the annual interest rate of the loan with a term of more than 5 years is 3.575%.

Loan Term: Generally, the loan term of housing provident fund shall not exceed the period from the date of entrusted loan issuance to the statutory retirement age, and the longest period shall not exceed 30 years.

Portfolio loan: refers to the loan applicant applying for housing provident fund loan and personal housing commercial loan at the same time. At present, the down payment ratio of the first home purchase loan in Nanchang is 30%, and the down payment ratio of the second home purchase loan is 40%. The minimum interest rate is the benchmark interest rate of the provident fund and the benchmark interest rate of commercial loans, and the loan period does not exceed 20 years.

4. Nanchang Commercial Provident Fund Loan.

Accumulation fund in different places: Nanchang accumulation fund implements the integration policy of housing accumulation fund and individual housing loan in "Greater Nanchang Metropolitan Area". Employees who have paid in the provident fund centers of "Greater Nanchang Metropolitan Area" can apply for individual housing provident fund loans from the provident fund centers in different places when buying houses in the metropolitan area, and enjoy the same rights and interests as local employees. "Greater Nanchang Metropolitan Area" includes Nanchang City, Jiujiang City, Linchuan District and Dongxiang District of Fuzhou City, fengcheng city City, Zhangshu City, Gao 'an City, Jing 'an County and Fengxin County of Yichun City, Poyang County, yugan county City, Wannian County and Ganjiang New District of Shangrao City. Nanchang and the above cities implement mutual recognition of provident funds. For other specific matters, it is suggested to contact the Provident Fund Center directly at telephone number 12329.

5, second-hand housing transaction deed tax

The residential part is exempt from value-added tax for 2 years and personal income tax for 5 years. See the table below for other related expense standards. Among them, in terms of personal income tax, on the evening of September 30th, the Ministry of Finance and State Taxation Administration of The People's Republic of China issued the Announcement on Personal Income Tax Policy for Supporting Residents to Purchase Houses. According to the announcement, from June 10 in 2022 to February 3 1 day in 2023, taxpayers who sold their own houses and re-purchased their houses in the market within 1 year after selling their existing houses will be given preferential tax refund.

The calculation formula of personal income tax rebate for taxpayers to buy back houses is: 1. If the amount of newly purchased housing is greater than or equal to the transfer amount of existing housing, the tax refund amount = personal income tax paid when the existing housing is transferred; 2. If the amount of newly purchased housing is less than the current amount of housing transfer, the tax refund amount = (the amount of newly purchased housing ÷ the current amount of housing transfer) × the personal income tax paid at the time of current housing transfer.