Wuxi house purchasing qualification

The qualifications for purchasing a house in Wuxi are as follows:

1, the first set of housing, the original policy for 144 square meters above the tax rate of 3%, the new policy no longer divides the boundaries of 144 square meters, and uniformly stipulates that the tax rate of housing above 90 square meters is 1.5%. The second set of improved housing, the original policy stipulates that the tax rate of 90 square meters and below is 3%, and the new policy is1%; The original policy stipulated that the tax rate above 90 square meters was 3%, and the new policy was 2%;

2. The down payment for the second suite needs 4 floors, and the interest rate rises 10%. "If the loan of the first suite is paid off, the second suite can be counted as the first suite. The first home loan currently implements the benchmark interest rate. " ;

3. Newly purchased commercial housing (including newly-built commercial housing and second-hand housing) can only be transferred after obtaining the certificate of immovable property rights for 3 years. This means that the new house can only be traded after obtaining the real estate registration certificate for three years.

The conditions for purchasing a house with provident fund are as follows:

1, with permanent residence or valid residence permit in this city;

2. The housing provident fund has been continuously paid for more than half a year before the application, and the accumulated time for paying the provident fund is not less than 2 years;

3, self-raised funds to reach more than 30% of the total price of the purchased housing (including 30%);

4. Have a stable occupation and a stable source of income, and have the ability to repay the loan principal and interest;

5, signed a contract or agreement to buy housing;

6. Meet other conditions stipulated by the trustor and the trustee.

To sum up, if there are two houses in the local name, you can't buy a new house or a second-hand house, and the resettlement house is not included. Foreigners are limited to buying houses in Wuxi. The following requirements, two years of social security or two years of personal income tax, will do. When applying for housing purchase, non-local registered families should provide proof that they have paid social insurance or personal income tax for more than 2 years in this city (except for non-local registered high-level talents introduced according to the relevant talent policies of provinces and cities).

Legal basis:

Article 27 of the Regulations on the Management of Housing Provident Fund

Applicants who apply for housing provident fund loans shall provide guarantees.

Article 28

The housing provident fund management center can use the housing provident fund for the purchase of government bonds with the approval of the housing provident fund management Committee on the premise of ensuring the withdrawal and loan of the housing provident fund.

The housing provident fund management center shall not provide guarantees to others.