Changsha loan to buy a house conditions?

Changsha's latest home purchase policy 2023

According to Changsha's newly released Implementing Rules on the Purchase of Homes by Talents from Strong Provincial Capitals, talents aged 45 years old (inclusive) or below, with a college degree or above, or an intermediate or above professional and technical qualification, after settling down in Changsha and paying social security or personal tax, can purchase their first set of commercial housing within the purchase-restricted area, and doctoral and masters' degrees and senior professional and technical qualifications No age limit. Meanwhile, high-level talents from cities and states in Hunan Province will enjoy the same home purchase treatment as Changsha household registration after being recognized in accordance with the procedures.

Updated: January 3, 2023

The Implementing Rules for the Purchase of Commodity Housing by Local Household Registered Families Who Have Grown Two or More Children According to Law, jointly formulated by Changsha Municipal Bureau of Housing and Construction, Municipal Commission of Health, and Municipal Bureau of Public Security, the policy applies to Changsha's local household registered families who have grown two or more children according to law, and those who are eligible to be recognized by the policy on the purchase of housing for families with two or more children, can be The original family purchase limit of two sets of the basis of an increase of one set of home purchase indicators, Changsha household registration families to buy the third set of commercial housing in the restricted area is not subject to the payment of social security or personal tax, housing network signing or real estate license time and other restrictions.

Families with two or more children of the city's household registration enjoying the home purchase policy need to meet the following three conditions at the same time: first, one or both of the spouses are Changsha household registrations; second, the current household registration family has two or more children, and at least one minor child (under the age of 18); and third, the children born are all born in accordance with the law (including legal adoption).

Updated: January 3, 2023

The General Office of the People's Government of Changsha Municipality issued a notice entitled "Changsha Municipality Promoting the Reform of "Delivery of New Commodity Housing that is Handed Over to the License" Implementation Rules", which was published after July 1, 2022, in Hunan Xiangjiang New District, Furong District, Tianxin District, Kaifu District and Yuhua District, and after July 1, 2022, in Wangcheng District, Changsha County, Liuyang City, Ningxiang City, after December 31, 2022, the new acquisition of state-owned construction land use rights of the pre-sale of commercial housing projects in accordance with the requirements of the implementation details of the full implementation of the "handover of housing that is to hand over the certificate".

Changsha Municipality Promotes the Implementation Rules for the Reform of Handing Over New Commercial Properties by Handing Over Certificates

Updated on August 3, 2022

According to the "Work Program on Optimizing Reproductive Policy for Long-Term Balanced Development of the Population" issued by Changsha City Municipal Party Committee and Municipal Government, the indicator for purchasing a home will be increased by one for local household families who have given birth to two or more children in accordance with the law. Appropriate care will be given to families according to the number of minor children they have in terms of household choices and other aspects. Local families with household registration who have given birth to three or more children in accordance with the law by both husband and wife*** are entitled to a one-time childcare subsidy of 10,000 yuan per child for three or more children.

Updated: June 13, 2022

According to Changsha Housing and Urban Development Bureau news, people who buy a home after offering their only home for rental housing can enjoy the first suite loan policy if they meet the conditions; those with two suites can be offered loans for the second suite after revitalizing one suite for rental housing.

Changsha buy house loan policy 2022

The Changsha buy house loan policy in 2022 is as follows:

1, no house in the purchase-restricted area, settled in Changsha for 1 year and paid 12 consecutive months of normal payment of social insurance or personal income tax of the household registration of the city families (including singles);

2, no house in the purchase-restricted area, settled in Changsha through the new policy of talent and Stable employment in Changsha (including singles);

3. Non-city families (including singles) who do not have a house in the purchase-restricted area and have paid social insurance or personal income tax for 24 consecutive months on a regular basis;

4. Non-city families (including singles) who do not have a house in the purchase-restricted area and are able to provide transfer certificates issued by Changsha's organization department or personnel department due to official transfers.

2019 Changsha to buy a house to what conditions

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For Changsha, we all know that it is a beautiful city, but also many young people aspire to a place to go to Changsha to work for a long time, there is a certain amount of savings, you will want to buy a house. But this time also need to consider is the new policy of buying a house, next we will come to introduce 2019 Changsha to buy a house to what conditions.

2019 Changsha what conditions to buy a house

Non-Changsha City household registration, need to pay more than 24 consecutive months in Changsha City, personal income tax (or proof of social insurance), to limit the purchase of 1 set of commercial housing; 2, the new settlement needs to be in Changsha City, no housing, limited to the purchase of 1 set of commercial housing; 3, the city household registration of the city family, in the restricted area of the house, limited to the purchase of 1 set of commercial housing; 4 The city's household registration, non-city household registration, paid more than 24 months of personal income tax (proof of social insurance) is limited to the purchase of 1 set of commercial housing.

What is the new policy of buying houses in Changsha in 2018

In March 2018, Changsha City implemented the housing purchase restriction policy, new houses are restricted, and second-hand houses are not in the scope of the restriction; and Changsha's own household registration is also not limited to the purchase of the third suite, but for the third suite will be suspended for the issuance of loans; the purchase of first suite for the family of household registration within Hunan Province (in addition to the household registration of Changsha), there is no restriction on the social security or personal tax.

May 20, 2018, Changsha real estate and further upgraded regulation, will be second-hand housing and Changsha city household registration families are also included in the scope of the purchase restrictions; Hunan province household registration families to buy a house (except Changsha household registration) need to uninterrupted payment of more than 12 months of personal income tax; in addition to the implementation of the policy of sale restrictions, the purchase of goods purchased within the purchase restriction area, you need to obtain the "certificate of real estate right" for 2 years before listing The company's sales policy has been implemented in the area of limited purchase.

Editor's summary: the above is what I introduced to you about Changsha to buy a house to what conditions and 2018 Changsha to buy a house how the new policy, the introduction of the policy reduces the pressure of many people, for the intention to buy a house if you have the time or you should learn more about the knowledge of the new policy, which is conducive to the convenience of the purchase of the house when you.

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Can you buy a house in Changsha with a provident fund loan?

It is possible to convert a commercial loan into a housing provident fund loan in Changsha, but only if the following conditions are met.

1, have full capacity for civil behavior;

2, housing provident fund normal contribution for more than 6 months;

3, good credit, stable income, have the ability to repay the loan principal and interest;

4, not more than the legal retirement age stipulated by the state;

5, purchase, construction, refurbishment, overhaul of the ordinary housing of their own for less than one year The application is made on the date of signing the purchase contract or approval of the construction permit for the construction project. Among them, the conversion of commercial bank housing loan to housing fund personal loan shall be applied within 30 days after the settlement of commercial bank housing loan;

6. Having assets recognized by the management center and guarantee company to set up collateral, and agreeing to choose the way of repayment and guarantee as stipulated by the management center.

Expanded Information:

Article 29 of the Changsha Municipal Housing Provident Fund Regulations: Employees who have paid into the housing provident fund shall apply for the first time for a housing provident fund loan for purchasing, constructing, refurbishing, or overhauling a dwelling unit for self-occupancy within the administrative area of the city. loan, shall meet the following conditions:

(1) normal contribution to the housing provident fund for the number of years prescribed by the Administrative Committee before applying for the loan;

(2) down payment for the purchase of housing not less than the proportion prescribed by the Administrative Committee;

(3) good credit, stable economic income and ability to repay the loan;

(4) legally valid documents for purchasing, constructing, renovating or overhauling the self-occupied housing, renovation or overhaul of self-occupied housing or relevant procedures;

(v) provide guarantee.

Anyone who applies for a housing provident fund loan again after repaying the first housing provident fund loan shall, in addition to meeting the conditions of the preceding paragraph, also meet other conditions set by the Management Committee. Employees applying for housing fund loans shall not exceed the maximum loan ratio and maximum loan amount stipulated by the management committee.

Changsha Municipal Government - Housing Provident Fund Loan Business - Commercial Loan to Housing Provident Fund Loan