Social security requirements for buying a house in Shanghai in 2023?

As the city with the largest inflow of migrants in China, Shanghai is in short supply of housing. In order to make the transactions in Shanghai real estate market more standardized, Shanghai has certain requirements for the social security payment of buyers. What are the requirements for housing social security in Shanghai this year? The following will introduce the social security requirements for Shanghai locals to buy a house and Shanghai foreigners to buy a house. The so-called social security requirements for Shanghai locals to buy a house ... If you want to know more about the social security requirements and conditions for buying a house in Shanghai, then take a look with me.

Social Security Requirements for Shanghai Locals to Buy a House

The so-called Shanghai native means that one of the husband and wife is registered in Shanghai or the buyer himself is registered in Shanghai. Although there is no social security requirement for such people to buy a house in Shanghai, there are certain restrictions on the number of houses they can buy.

1. (Shanghainese, family as a unit) No more than two sets of parents, and no real estate in their own name, you can buy two more sets. (Premise: some before * * * 2065438+0865438+1October 28th * *);

2. (Shanghainese, family as a unit) There are no more than two sets of parents. If you have one set in your name, you can buy another set. (Premise: some before * * * 2065438+0865438+1October 28th * *);

3. (Shanghainese, family as a unit) If you have no real estate with your parents and no real estate under your own name, you can buy two more sets. 4. Couples plus children and parents (five people), if applying for property tax relief (60 square meters per capita), need to prove that their parents are with the household registration, and they need to go to the trading center when handling the property tax identification. Note: Houses owned by parents after 2065438+200865438+128 October are regarded as their own property.

4. Husband and wife plus children and parents (five people), if they apply for property tax relief (60 square meters per capita), they need to have no real estate under their parents' names, which proves that their parents follow their household registration and go to the trading center when they apply for property tax recognition. Note: Houses owned by parents after 2065438+200865438+128 October are regarded as their own property.

Buying a house in Shanghai must meet three conditions, one of which includes paying social security for two years within three years. The following are the social security requirements for buying a house in Shanghai:

1. Buyers should get married.

2. Buyers have no room in Shanghai;

3. Social security payment can be provided for 63 months from the date of purchase and accumulated for 60 months. Social security payment can be paid for 60 months within five years.

Alternatively, foreigners from Shanghai who meet the following conditions can also buy a house in Shanghai.

1. Hold Shanghai residence permit for 7 years;

2. During the period of holding the certificate, he has participated in the urban social insurance in this city for 7 years as required;

3. Pay income tax in this city according to law during the period of holding the certificate;

4. Being employed as a professional and technical post at or above the intermediate level in this Municipality or having a professional qualification as a technician (above the second level of the national professional qualification certificate), and corresponding to the specialty and type of work;

5. There is no record of violating the national and municipal family planning policies, being punished by public security administration or other bad behaviors.

Shanghai provident fund loan housing requirements

1. The common reserve fund has been paid continuously and normally for 6 months;

2. Use its own funds to pay not less than 20% of the purchase price;

3. Have a stable economic income and repayment ability;

4. There are no outstanding debts that may affect the loan repayment ability.

Shanghai housing provident fund and commercial loan interest rate

At present, the interest rates of Shanghai provident fund loans and commercial loans are shown in the following table. Consumers are advised to give priority to provident fund loans to buy a house.