How many years does Beijing have to pay social security for buying a house?

As we all know, Beijing is the first city in China to strictly implement five-year purchase, and Beijing hukou is not something you can buy if you want, so the first threshold for buying a house in Beijing is the qualification to buy a house in Beijing.

Generally speaking, there are several ways to get the qualification to buy a house in Beijing: the first kind is the simplest. Although you are a foreigner, you have a Beijing hukou. Well, congratulations on finding the treasure. Beijing hukou has its own aura of racial talent, single 1 room ticket, which makes it two room tickets for married status, which means you can buy two houses in Beijing.

The second is what we ordinary foreigners rely on most, commonly known as social security or five-year tax. Pay social security or tax for five years in Beijing, and you can get a room ticket regardless of whether you are single or married. The most important thing here is that social security needs to be good for five consecutive years and one month, and you only need to pay taxes once a year. And if you don't work in Beijing, there is a company to help you pay social security. The annual social security cost of paying social security yourself is about 20 thousand, but the cost of paying taxes is several hundred yuan. Foreign students need room tickets, understand? Even if you don't have a job, even if you are in college, you should pay a tax on Taobao as soon as possible. It costs hundreds of dollars a year, and you can get a room ticket for Beijing for free as soon as you arrive five years later.

The third is that you have money now, but your education is not ready-made, and the social security period is not enough, but you have a bachelor's degree. What should I do? It's simple. Get a work permit. The cost is not high compared with the housing price in Beijing, only one square meter. Equivalent to 8 months of Beijing hukou. You can buy it in the fifth month, and then go to the owner to sign a three-month purchase cycle contract to lock the house price in advance. Therefore, reading is very important. Now you can see that those who tell you that reading is not important are actually lying to you. As long as you graduate from college, the state will give you welfare. No matter where you are in the north and south of China, you are only eight months away from buying a house in the great capital!

2.

Generally speaking, we foreigners come to Beijing to buy houses, especially diaosi, who come from third-tier cities in other places like you and me. It is difficult to buy a house without a suite in Beijing. However, everyone will have their own advantages. Even if you don't have much money, your family assets are not big enough, but if you come to Beijing and get a high-income salary through your efforts, then this is your advantage.

The vast majority of foreigners work in Beijing for nothing more than this, and Beijing's wage income is much higher than that of second-and third-tier cities. I graduated from Beijing as a code farmer in 2003, and my salary almost reached 1 0,000. At that time, my mother was in a third-tier city in Hubei, with 700 yuan a month. For those of us who don't depend on our families, we must save money to start. Take the Internet industry in Beijing as an example. There are many ordinary code farmers whose income can reach 15k to 20k for more than three years. Find a daughter-in-law, work hard, save 1 million in three years, and you will get a room ticket and be eligible to apply for the first home loan. Even if your down payment is almost the same, you can go to the bank to make a 500 thousand according to the monthly income of your family of 30 thousand to 40 thousand. Then once you have settled the down payment, you now have a chance to settle the first garage in Beijing.

The so-called garage means buying a cheap studio or living in a room first. The selected area is not far from your work unit, or you can solve the problems of work and life through subway rail transit. At present, this garage is about 3 million yuan, which is the only second-hand house in your neighborhood. The down payment is about100000, and you can buy this garage with a loan of about 2 million. According to the preferential treatment provided by the state for the first home loan buyers, you can get a 30-year loan at a 15% discount, which is the biggest preferential treatment given by the state to our young people. Whether you answer it or not depends on your IQ. If you work in the north, you can look at the areas along 13, such as Qinghe, Erqi and Huilongguan in Xi. If you work in the south, you can look around the Fangshan line subway station. If you work in the east, you can look around the Batong Line subway station and choose to lock the houses that suit you and meet your purchase requirements.

3.

For foreigners who change houses, the most important thing you need to understand is that you are not poor. This Beijing residence in your hands is your best asset and the biggest reward for your correct vision a few years ago.

By 20 17, Beijing was the first market in China to enter the second-hand housing transaction in stock houses, and the Beijing market entered a five-year house purchase place around 20 10. This purchase restriction policy was the most effective in the first three years, but after all the houses in the hands of investors and foreign customers were squeezed out to local customers in need, this purchase restriction became a talisman, which made these buyers afraid to sell.

The most important thing you need to understand is that the rise and fall of housing prices in Beijing has nothing to do with you. Never mind those ups and downs. You just need to understand how the market works on its own. As for how much house prices can rise and fall, let the market judge for itself. As long as you are not stupid, you will not bet on a so-called low point.

From the first buyer who just needed to go to the garage to choose a house of about 3 million, when he started to buy it, it corresponded to a loan of about 2 million. The owner of the house has already got about 3 million yuan in the early stage, and may add another 2 million to 3 million loan lines. Then he should choose a house of about 5 million to 6 million, and people who live in two houses for three houses can probably support 8 million to100000. Wait ... In a good urban area of Beijing, the number of three-bedroom apartments has been stable at1.20,000 to1.500 million. According to the current situation, this model will be enough to push up the average house price in Beijing from 60,000 this year 1 month to 1 million, which is different from all other cities in China. This is a market that depends entirely on the local population, mainly driven by the demand for self-occupation, and there are no real estate speculators. Understand this, and then replace the subject matter of the next stage according to your current asset scale and the loan you can afford at most, and maximize the asset scale through mortgage. This is the only thing you need to do. What you need to do is to operate as soon as possible. Your biggest enemy is not the fall or rise of house prices, but the cost of time.

4.

For foreign local tyrants, Beijing residence is the best theme in China.

There is a simple reason. At present, China implements a unified national loan restriction policy. Even if you buy a house in an unlimited city, the room ticket is not restricted, and your first loan qualification is strictly limited. Under the precious first loan index, local tyrants have to limit the number of loans when buying a house. So this is the biggest reason why I don't recommend buying Hebei or tourism real estate around Beijing.

It is precisely because of the preciousness of the first loan index that it is indeed possible to buy a luxury house close to10 million yuan or 89 million yuan in any second-tier city in China today. However, in second-tier cities, this grade of houses may indeed be located in the city center, with convenient transportation and good business and school districts, but there is a big problem, that is, this price is the top of housing prices in second-tier cities, which is what we often call the CEO plate.

In the case of relatively few high-net-worth people in second-tier cities, the investment income of assets is far surpassed by local low-priced and high-quality houses, and this house also lacks potential second-hand buyers. At the same time, it is difficult to make a faster transaction in second-tier cities, which leads to the CEO taking a relatively long time to sell.

But when you come to Beijing with millions of cash and valuable first loan indicators, you will be suddenly enlightened. Why? Because you will find that 89 million,10,000,000 real estate is just needed in Beijing, and it is a two-bedroom apartment in the urban area. This kind of housing not only has a good increase, but more importantly, it sells the fastest and has the largest demand after five years. So, what are the second-tier local tyrants waiting for? Go and get the Beijing room ticket quickly.

5.

Others may suggest that you buy commercial houses, shops and office buildings in Beijing. What people talk about most is unlimited purchase and high rent, but I wonder if anyone can tell you why you can't buy it? The reason is that even in Beijing under the first-line purchase restriction, business and residence are worthless.

First of all, commercial residence is an opportunity for foreign investors or corporate investors. Many well-known commercial and residential buildings are mobile products, and no one will help you lock the warehouse. Its nature is more like stocks than high-quality Beijing houses. Some people may never get out.

Second, there will be a large number of apartments in commercial and residential areas, and at the same time, when taking out food, too many people choose to take over the house and may not sell it. As Brother Sheng said, from the perspective of investment, the only scarcity of buying a house is very important. If the apartment is not good or scarce, the unit price is obviously low;

Third, the most important point is that the defects of commercial and residential financing loans are not only ten years as some people think, and the amount is only 50% of the transaction price. More importantly, the original value of the commercial and residential online sign can not be improved because of the transfer tax problem of commercial and residential (the price difference is close to 40%). This is the same situation all over the country. If the original commercial and residential value cannot be improved, your second-hand commercial housing will be sold, and the loan amount will not rise with the house price. For a simple example, a 500,000-yuan commercial house can borrow 250,000 yuan from the developer. Five years later, when your house price rises to 6.5438+0 million yuan, the buyer of your house can only borrow 250,000 yuan.

Some people may tell you that commercial housing can be purchased in full and then mortgaged in the bank, and the mortgage period can reach 20 years. As far as I know, this does exist. Unfortunately, there is a very big problem. As the owner of commercial housing, when you sell your house, you can't let all simple white second-hand buyers in the market understand this truth. The cost of education market is actually the highest cost, so the financing ability of commercial housing can not be reflected in the house price. This is the biggest problem. This also explains why even in good locations in Beijing, the increase of many second-hand commercial houses can only reach half of that of houses of the same grade. Of course, there will never be a shortage of buyers for new commercial housing. You need to believe that developers can find fools to take over anything they want.

6.

In an instant, it has reached 20 17. Today's Beijing housing market, due to the end of Beijing's urbanization process, the supply of new houses is gradually approaching zero, and the congestion of investment houses has almost disappeared in the market due to the historical purchase restriction policy. Once all the houses that can be sold in the Beijing market are sold equally to those who just need one suite or one or two suites, the previous suite means that they need to change rooms or just lock warehouses, and the market will be less. This special stock housing market is the internal operation mode of second-hand housing transactions in Beijing market, which has clearly shown that it is impossible for 13 and 14, which once appeared in history, to produce a relatively large amount of second-hand housing supply in the market through policy suppression. Come to Beijing as a foreigner for whatever reason. Now that you are in this city, it is the best opportunity for you. Get in the car.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.