How many years does it take to buy a house in Hangzhou?

Hangzhou's development in recent years can be said to be getting better and better, so now more and more foreigners come to Hangzhou to develop, and more people buy houses locally. As a foreigner, you need to pay social security if you want to buy a house in Hangzhou, so you need certain conditions to buy a house in Hangzhou.

1. The social security payment period for buying a house in Hangzhou is as follows:

1. To buy a house in Hangzhou, you must pay the social security fee for at least two years continuously. For Hangzhou locals, there is no need to have social security certificates. You can buy a house as long as you have relevant local certificates.

2. If a foreigner wants to buy a house in Hangzhou. You need to have the relevant proof of working in Hangzhou, and the unit must pay a certain amount of social security before paying social security. There should be no intermittent behavior for more than 12 months. With these, you can buy a house in Hangzhou.

Social insurance refers to a social and economic system that provides income or compensation for people who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund, which is a redistribution system with the goal of ensuring material and labor reproduction and social stability.

Social insurance is an important part of the social security system and occupies a core position in the whole social security system. In addition, social insurance is a contributory social security. The funds are mainly paid by employers and workers themselves, and the government finances give subsidies and bear the ultimate responsibility.

Second, what is the process of buying a house in Hangzhou?

1. Looking at the house: You can sign up for a house group and go to the construction site first. It is not credible to look at the house. Mainly depends on the building spacing, location, surrounding traffic, environment and living facilities. See if the property is capped? Without it, the loan is impossible.

2, price: first check on the website, recommend. The above prices are for reference only, because the prices on the website are actually very low, and many of them have not been updated for a long time. The target price is either average or low. The total price is basically a flicker.

3, housing selection: first look at the floor plan. A good apartment should be square, breathable, dry and wet, and static and dynamic; The living room and kitchen should be bigger, but the balcony should not be too big or too many. The front door can't face the toilet or bedroom. Don't choose the ground floor, top floor or side building.

4. Pay down payment: After choosing a house, you must sign a subscription agreement. Note: Don't sign easily! Because once signed, if you don't buy it, the deposit is non-refundable.

5. Down payment: Generally, the down payment is paid within 8 days after the signing of the subscription agreement, and liquidated damages will be collected after the deadline. At present, the down payment for the first suite in Nanjing is 30% lower, but much higher. In this way, the interest is less, the monthly payment is less, and the loan is faster. Take good care of the house you bought. If you lose it, you have to make up for it. You need to apply for a real estate license in the future.

6. Sign the contract: Now most contracts are fixed contracts, just sign them with your eyes closed.

7. Loan: The loan bank chooses the bank designated by the developer to avoid being urged by the developer when the loan fails in the future. Try to use provident fund loans, and then use commercial loans to make up the difference.

8. Repayment: After the next repayment, the bank will inform you to get the loan materials, the original contract and sign the repayment agreement. After all this is done, you will officially join the house slave.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 64 Social insurance funds include basic old-age insurance funds, basic medical insurance funds, industrial injury insurance funds, unemployment insurance funds and maternity insurance funds. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country.

The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it.

The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.