What are the conditions, restrictions and procedures for foreign hukou to buy a house in Xi 'an?

1. What are the conditions, restrictions and procedures for foreign hukou to buy a house in Xi 'an?

Conditions:

1. The borrower must be at least 18 years old;

2. The age of the applicant and the life span of the lender shall not exceed 70 years;

3. There is a down payment for buying a house;

4. Have a stable job;

5. Provide proof of income and credit report;

Procedure:

1. Provide tax payment certificate or social insurance payment certificate of this Municipality for more than one year;

2. Real estate development enterprises and real estate brokerage institutions shall strictly implement the relevant regulations and fulfill the obligation to inform the "purchase restriction" policy when signing sales contracts and brokerage contracts; Supervise the buyers to fill in the declaration form truthfully, and check the household registration, marriage and other supporting materials of the buyers and their family members;

3. In line with the conditions for purchasing houses and entering households, the relevant information will be entered into the information management system of Xi Housing Security and Housing Administration in time, and the housing management department can go through the online signing and filing procedures for commercial housing only after it is verified;

Restrictions:

You can't apply for provident fund loans unless you pay the provident fund in Xi 'an.

Within the planning scope of development zones such as New City, beilin district, Lianhu District, Yanta District, weiyang district, Baqiao District, Chang 'an District, Administrative District, High-tech Zone, Economic Development Zone, Qujiang New District, Ba Ecological Zone, Aerospace Base, International Port Area and Fengdong New City, the distribution of two or more houses (including newly-built commercial housing and second-hand housing, the same below) will be suspended.

Non-resident families who have no housing in the above areas and can provide personal income tax or social insurance certificates for more than 2 years (including 2 years) can buy 1 house. All kinds of talents approved to be introduced to buy self-occupied housing are not restricted by the purchase restriction policy.

References:

Notice of Xi People's Government on Further Stabilizing the Development of Housing Market

Second, will Xi 'an's new house be released in 2023?

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Continue to implement the purchase restriction policy. Xi 'an's purchase restriction areas are: Xincheng District, beilin district, Lianhu District, Yanta District, Baqiao District, weiyang district, Chang 'an District, Xixian New Area Fengdong New City (excluding Shanglin Street), High-tech Zone (excluding the non-restricted areas under custody), Economic Development Zone, Qujiang New District, Ba Ecological Zone, Aerospace Base and International Port Area.

Third, the latest policy of Xi Anjufang Qualification 2023

The first is the change of the purchase conditions of households who moved from outside the city to the household registration in this city.

Move into Xi 'an from outside the city and stay at home. After Xi 'an settles down, you can purchase the first set in the housing purchase restriction area.

(2) The first commercial house: it must be settled before buying the house 1 year.

(3) Must have settled for 3 years.

Two. Changes in the purchase conditions of non-local households.

(Non-Xi registered households without housing in the housing restricted area can buy 1 set of second-hand houses after paying social insurance or personal income tax in Xi for six months.

(2) The first set has paid social security or individual tax in Xi 'an Company for 5 years or more 2 years before the purchase date.

Third, the change of housing sales period

Commercial residential building

Original sales restriction policy: the online signing of commercial housing sales contract has been filed for 5 years, and "real estate" has been handled.

Current sales restriction policy: the online signing of commercial housing sales contract has been filed for 3 years and has obtained the certificate of immovable property rights, or has obtained the certificate of immovable property rights for 2 years.

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Original sales restriction policy: 5 years.

Current sales restriction policy: "Don't move"

Fourth, high-level talents and fire protection.

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2, the certificate issued by the municipal fire rescue team, active servicemen refer to buy.

Iv. Xi 'an's latest policy on housing purchase qualification 2023

The first is the change of the purchase conditions of households who moved from outside the city to the household registration in this city.

(1) First set of second-hand houses: Residents who move into Xi 'an from outside the city and have no houses in the housing restricted area can buy the first set of second-hand houses in the housing restricted area after they settle in Xi 'an.

(2) The first commercial house: it must be settled before buying the house 1 year.

(3) Second suite (commercial house or second-hand house): it must still be settled for 3 years.

Two. Changes in the purchase conditions of non-local households.

(1) The first second-hand house: Non-registered households who have no house in the housing restricted area, hold a residence permit in Xi and have paid social insurance or personal income tax continuously in Xi for six months before the purchase date can buy 1 second-hand house.

(2) The first commercial house: holder of residence permit in Xi, who has been paying social insurance or personal income tax in Xi for two years or five years or more since the date of purchase.

Third, the change of housing sales period

Commercial residential building

Original sales restriction policy: the online signing of commercial housing sales contract has been completed for 5 years, and the certificate of immovable property right has been processed.

Current sales restriction policy: the online signing of commercial housing sales contract has been filed for 3 years and has obtained the certificate of immovable property rights, or has obtained the certificate of immovable property rights for 2 years.

second-hand house

Original sales restriction policy: obtained immovable property certificate for 5 years.

Current sales restriction policy: have obtained the certificate of immovable property for 2 years.

Four, high-level talents and fire rescue team talent policy support

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2, for the city's fire rescue team personnel, can provide relevant documents or certificates issued by the unit, with reference to the purchase policy of active servicemen.

Verb (abbreviation of verb) just needs family identification class.

On the basis of the original "just-needed family" category, two new types of families are added:

1, families who have two or more children and meet the housing purchase restriction policy of our city;

2. Unmarried persons who have reached the age of 28 must also meet the following conditions: no marriage record, no house in the name of this Municipality, and no record of housing transfer within 48 months from the date of purchase, which is in line with the housing purchase restriction policy of this Municipality.

Originally just needed family conditions:

1. Residents' families include husband and wife and their minor children, divorced (widowed) parents and their minor children, excluding unmarried and divorced singles who have been divorced for less than 3 years;

2. Registered buyers and their family members have no self-owned houses under the name of this Municipality and have no housing transfer records for 48 months before the purchase;

3. The registered family members who purchase houses meet the housing purchase restriction policy of our city.

The change of down payment ratio of commercial loans, down payment ratio of provident fund loans and loan amount.

1. The down payment ratio and interest rate pricing of personal commercial loans are determined by the self-discipline mechanism of interest rate pricing in Shaanxi Province. For specific changes, please consult the commercial banks that handle housing commercial loans.

2. Provident fund.