Hangzhou Housing Management 202 1 New Regulations

1. What are the requirements for buying a house in Hangzhou?

First, Hangzhou household registration

Adult singles (including divorced) registered in this city are restricted to purchase 1 apartment (including newly-built commercial houses and second-hand houses, the same below) in the restricted purchase area.

Married families with household registration in this city are restricted to purchase 2 houses in the restricted purchase area.

Households whose household registration has moved from other places to Tonglu, Jiande, Lin 'an and Chun 'an counties (cities) can only buy houses in the restricted purchase area of Hangzhou after two years from the date of household registration, which is implemented in accordance with the city's restricted purchase policy.

Parents who rely on their adult children to settle down in this city must be at least 3 years old before they can buy new commercial housing and second-hand housing as independent buyers in this city.

Second, non-Hangzhou household registration

Families who are not registered in this city need to provide proof that they have paid personal income tax or social insurance (urban social insurance) for more than 2 years in the first 3 years from the date of purchase. (Non-registered households in this Municipality are not allowed to purchase houses by paying personal income tax or social insurance)

Non-registered families in this city are restricted to purchase a house.

Third, enterprises and institutions.

Since June 27th, 20 18, the sale of houses to enterprises and institutions has been suspended.

The scope of purchase restriction includes Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District, Hangzhou High-tech Development Zone (Binjiang), Hangzhou Economic and Technological Development Zone, Hangzhou Zhijiang National Tourism Resort, Xiaoshan District, Yuhang District, Fuyang District and Dajiangdong Industrial Cluster. Lin 'an District is not limited to purchase.

draw

2. Housing loan policy in Hangzhou

From March 29th, 20 17, Hangzhou adjusted its housing provident fund loan policy and commercial housing credit policy.

First, in the housing provident fund loan policy.

Further tighten the loan recognition standards for provident fund loans. In the urban area, if employees' families already own 1 housing or have no housing but have housing loan records, they will purchase ordinary self-occupied housing and implement the second set of housing provident fund loan policy. The down payment ratio of the loan shall not be less than 60%, and the interest rate of the provident fund loan shall be implemented according to the benchmark interest rate of the housing provident fund loan in the same period 1. 1 times.

Second, in terms of commercial housing loans.

First, further adjust the down payment ratio of credit. In urban areas, families who already own a set of housing or have no housing but have housing loan records apply for commercial personal housing loans to buy houses and implement the second set of housing credit policies. The down payment ratio is not less than 60%.

Second, commercial banks are required to strictly examine the repayment ability of borrowers, strictly implement the policy requirements such as the ratio of monthly payment to income not exceeding 50%, and refer to the second home loan credit policy for borrowers who are adults, unemployed and have no fixed income and whose repayment funds come from other borrowers. The third is to strictly review the source of down payment funds for personal housing loans, and it is strictly forbidden to use all kinds of "leveraged" financial products for down payment for housing purchases.

draw

3, Hangzhou housing provident fund loan amount

I. Loan amount

Housing provident fund loans shall be subject to the quota system for each person and household. The maximum personal loan for employees is 500,000 yuan. If both employees and their spouses pay housing provident fund, the specific loanable amount shall be calculated separately by individuals, and the total maximum loanable amount shall be 6,543,800 yuan.

Second, the loanable amount

Personal loanable amount = the average monthly balance of provident fund account in recent 12 months (excluding the month of application) × 15 times (at present, the multiples of the main urban area, Xiaoshan District, Yuhang District and Fuyang District of our city are set at 15 times).

The average monthly balance of housing provident fund accounts refers to the average monthly balance of housing provident fund accounts when employees apply for loans (excluding one-time payment of nearly 12 months), and the calculation formula is: average monthly balance of housing provident fund accounts = total monthly balance of housing provident fund accounts nearly 12 months/month.

The calculation result of personal loanable line is rounded to thousands, the amount below 6,543.8+0.5 million yuan is determined to be 6,543.8+0.5 million yuan, and the amount above 500,000 yuan is determined to be 500,000 yuan. If both employees and spouses have paid the housing provident fund and meet the loan application conditions, the maximum loan limit for each household is 6,543,800 yuan.

At the same time, the specific loan amount is comprehensively determined according to the conditions and prices of the houses purchased by employees, individual repayment ability and credit status.

draw

4. Hangzhou housing loan interest rate

202101/On October 20th, the latest LPR/kloc-0 issued by the central bank has a term of 3.85% and a five-year term of 4.65%. 1 year and 5 years 10 month remain unchanged.

draw

draw

5. Hangzhou property tax payment policy

draw

6. Conditions for buying second-hand houses in Hangzhou

In line with Hangzhou's housing purchase restriction policy, you can buy a second-hand house directly without participating in the lottery. After buying a house, you can transfer the ownership directly and do a good job in real estate license.

draw

7. Conditions for buying a new house in Hangzhou

From April 4th, 20 18, eligible new commercial housing projects in Hangzhou urban area should be sold by lottery presided by notary office.

Families who meet the housing purchase restriction policy in Hangzhou and register their intention in the current period of the project can participate in the house selection by lottery.

Hangzhou "7.2" Property Market New Deal

1. It is clear that high-level talented families can only enjoy the priority to purchase houses once in Hangzhou, and they are not allowed to go public for 5 years from the date of signing the house online.

2, the unit price is less than 35 thousand yuan/square meter of new land, the proportion of tilt to no housing households is not less than 50%.

3. At the same time, a person can only register one property, not two properties at the same time, and can't register for the next time before the lottery results come out.

New Deal of Hangzhou "9.4" Property Market

1, cancel the deed tax payment in advance.

It takes three years for parents to settle down in Hangzhou before they are eligible to buy a house.

3. Adjust the identification standard of "houseless families". Buyers who are unmarried and single over the age of 30 and have no records of their own houses within the scope of this Municipality's purchase restriction, and buyers who have been divorced and single for three years and have no records of their own houses within the scope of this Municipality's purchase restriction can be identified as families without houses.

4. Hot real estate projects, the proportion of housing inclination for families without housing reaches 80%, and the priority to purchase housing obtained by families without housing is limited to five years from the date of filing the sales contract online.

Note: there are two criteria for identifying hot-selling commodity housing projects: first, whether the property has a record of 10 thousand people shaking the number; Second, whether there has been a record of 10,000 people in the same price segment in the same area.

For the specific purchase process of new houses, please click on the link on the right "Hangzhou New House Yaohao Policy Latest Edition".

draw

8. Frequently Asked Questions about Hangzhou New House Yaohao

From April 4th, 20 18, eligible new commercial housing projects in Hangzhou urban area should be sold by lottery presided by notary office.

First, why should the public lottery be notarized?

A: Recently, some commercial housing sales in Hangzhou real estate market have violated the rules such as price increase, tied tying and speculation, which has brought adverse effects on standardizing the order of the real estate market in our city and safeguarding the legitimate rights and interests of consumers.

The Hangzhou municipal government attaches great importance to this. On the one hand, the housing management, public security, price and other departments jointly attacked, concentrated on investigating and handling a number of typical cases of illegal activities of development enterprises and intermediaries, and publicly exposed them. On the other hand, drawing lessons from the experience of relevant cities, we will take the measure of "notarization and public sale of commodity housing projects" to further realize the long-term supervision of the real estate market order.

2. Where are the items to be notarized for sale?

A: Urban areas (including Shangcheng, Xiacheng, Jianggan, West Lake, Gongshu, Binjiang, Xiasha, Zhijiang, Xiaoshan, Yuhang, Dajiangdong, Fuyang and Lin 'an).

3. Should all the projects in the urban area be notarized and shaken?

A: For commercial housing projects that have obtained pre-sale certificates after April 4, 2008, if the number of registered customers exceeds the number of houses to be launched, the houses shall be sold by means of notarization and lottery; If the number of registered intentional customers is less than the number of listed houses, there is no need to notarize the house.

4. Who organizes the lottery and sales of commodity housing?

A: Real estate development enterprises are the main body of commercial housing sales. The notary office presided over the lottery work, and the housing management and judicial departments gave guidance and supervision.

Five, how to understand "one-time public sale of all quasi-sale housing"?

A: Real estate development enterprises should publicly sell all the commodity houses approved for sale in the current pre-sale certificate at one time, and may not sell them in batches.

6. What conditions can I meet to participate in the lottery? Family unit or individual unit?

A: Families who meet the city's housing purchase restriction policy and register their intentions in the current period of the project can participate in the house selection by lottery.

7. What is a "houseless family"?

A: Families without their own houses within the scope of the city's purchase restriction, buyers who are unmarried and single over 30 years old and have no records of their own houses within the scope of the city's purchase restriction, and buyers who have been divorced and single for three years and have no records of their own houses within the scope of the city's purchase restriction are identified as "families without houses".

Households with household registration in Lin 'an District, Tonglu County, jiande city County and Chun 'an County should register their intention in the commodity housing projects in the restricted areas, and they must have no self-owned housing in the restricted areas and household registration areas of our city at the same time, and they can only be recognized as "families without housing" after the social security in Hangzhou has reached 1 year.

To register the intention of commodity housing projects in Lin 'an District (non-restricted area), the family buying a house must have no self-owned housing in both the restricted area and Lin 'an District of our city, and have been in Hangzhou Social Security 1 year or more before it can be recognized as a "family without housing".

8. How will the "houseless family" tilt?

A: Real estate development enterprises should provide a certain proportion of houses for "families without houses" to buy, and the specific proportion should be specified in the project sales plan by the development enterprises according to the actual situation of the project.

For new sites with a unit price of less than 35,000 yuan/square meter, the proportion of inclination to families without housing is not less than 50%. Hot real estate projects, the proportion of families without houses is 80%.

Nine, how to carry out activities hosted by notaries?

A: The competent notary department will formulate relevant notarization business norms in the near future and clarify related matters.

10. Can I change people to buy a house after choosing a house?

A: No, real estate development enterprises must strictly ensure that the results of housing selection are consistent with the online signing list. If they are inconsistent, they may not submit online signing, and the housing management department will not handle the online signing filing procedures.

Eleven, shake to the number not to choose a house, or choose a house not to buy?

A: For families who have given up choosing houses and buying houses twice after being selected, real estate development enterprises will no longer accept the registration of their intention to buy houses within 3 months from the date of giving up choosing houses and buying houses; For families who have given up house selection and house purchase for more than three times (inclusive) after winning the bid, all real estate development enterprises will no longer accept the registration of their intention to purchase houses within 6 months from the date of giving up house selection and house purchase.

In addition, the lottery not only shakes out the selected families, but also shakes out the alternate families and their rankings. For the surplus housing generated by the former family's abandonment of house selection and purchase, the latter family, including spare families, should choose houses and purchase houses in turn.

12. Should non-residential buildings be notarized?

A: Non-residential buildings such as offices and businesses cannot be sold by notarization.