2023 Jinan latest home purchase policy interpretation

The method of buying a house in Jinan for a foreign household is as follows:

1. The buyer must have a legally valid ID card and hukou book and other proof of identity;

2. Regardless of whether it's a new house or a second-hand house, the buyer with a foreign household can only buy one set;

3. The buyer must have no house in Jinan (except for an apartment or a house for commercial use) in terms of a family unit (which includes underage children);

4.

4. The buyer must have paid personal income tax or social security for 24 consecutive months or more in Jinan within three years, and the buyer with a bachelor's degree only needs to have paid social security for 6 consecutive months or more;

5. The buyer must have a down payment, and the buyer with a bachelor's degree only needs to have a down payment of 30% of the total amount of the purchase price;

6. The buyer must have good credit, stable income, and a certain amount of money to purchase a property.

7. Other conditions stipulated by the relevant departments.

The conditions for foreigners to buy a house in Jinan are as follows:

1, you need to provide social security or tax payment certificates for one year in Jinan;

2, you need to have a downpayment of not less than 30% of the price of the house to be purchased;

3, you need to have a stable income, and you need to have the ability and willingness to pay back the loan in a timely manner;

4, you need to have good credit records;

5, you need to be able to provide the necessary funds to buy a house in Jinan. p>5, be able to provide the purchase contract and agreement;

6, be able to provide valid proof of identity, proof of residence, proof of marriage;

7, have full civil behavior;

8, other conditions required to be fulfilled by the lending bank.

In summary, outsiders in Jinan to buy a house is divided into two cases, one is the settlement to buy a house, this way including talent settlement, purchase settlement, rental settlement and other forms. The second is the non-settlement purchase, bachelor's degree and above to meet the continuous payment of social security in Jinan for half a year, you can get the qualification to buy a house, you can only buy a set, 30% down payment. The following bachelor's degree is required to pay social security continuously for two years to have the qualification to buy a house, also can only buy a set, but need 60% down payment.

Legal basis:

Article 24 of the Regulations on the Administration of Housing Provident Funds

An employee may withdraw the stored balance in the employee's housing provident fund account under any of the following circumstances:

(1) purchase, construction, renovation, or major repair of his or her own home;

(2) retirement, retirement;

(3) total loss of labor and the termination of his or her employment with the employer;

(3) the loss of his or her employment with the employer; and (4) the loss of his or her own home. (c) total loss of labor capacity and termination of labor relations with the unit;

(d) settlement outside the country;

(e) repayment of the principal and interest of the loan for the purchase of housing;

(f) rent exceeding the prescribed percentage of the family's wage income.

In accordance with the provisions of the preceding paragraph (b), (c), (d), the withdrawal of the employee's housing fund shall be canceled at the same time the employee's housing fund account.

If the employee dies or is declared dead, the heir or legatee of the employee may withdraw the stored balance in the employee's housing fund account; if there is no heir or legatee, the stored balance in the employee's housing fund account shall be included in the value-added income of the housing fund.