Does Changsha need to pay social security when buying a house?

Buying a house in Changsha requires paying social security.

When buying a house in Changsha, non-local registered families who have stable employment and no housing in this city need to pay personal income tax or social insurance for 24 months continuously, and buy 1 set of commercial housing in the restricted purchase area; Household registration families who move in from outside the city also need to meet the same conditions. If you cut off the social security payment, you will not be able to meet the purchase conditions. For buyers who have social security certificates of 1 year or above in Changsha and have no loan record, the loan amount can be calculated according to the first suite, with the maximum loan of 70%; Otherwise, according to the second suite, the maximum loan is 40%. At the same time, the social security certificate can also reduce the transaction cost 1 to 2 percentage points.

The role of social security:

1. Guarantee basic life: Social security can provide basic economic security when the insured person encounters illness, unemployment, old age, etc.

2. Promote social stability: As an important part of the social security system, social security helps to alleviate social contradictions and maintain social harmony and stability;

3. Promote economic development: the social security system can improve residents' consumption capacity, promote the expansion of domestic demand, and then promote economic growth;

4. Realizing social equity: Social security can narrow the gap between the rich and the poor through the redistribution mechanism and realize the fair distribution of social resources;

5. Improve the welfare of workers: Social security provides all kinds of protection for workers, including medical care, pension, unemployment, etc., and improves the overall welfare level of workers.

To sum up, Changsha needs to pay social security when buying a house. Non-registered families in this city need to pay personal income tax or social insurance for 24 months continuously when purchasing commercial houses in restricted areas, and social insurance payment does not meet the conditions for purchasing houses. Buyers who have social security certificates of 1 year or more in Changsha can calculate the loan amount according to the first suite, with a maximum loan of 70%; Otherwise, according to the second suite, the maximum loan is 40%. At the same time, the social security certificate can also reduce the transaction cost 1 to 2 percentage points.

Legal basis:

Notice of the General Office of the State Council on Further Improving the Regulation of the Real Estate Market

Article 6

In principle, the purchase of 1 apartment is limited to local registered households who already own 1 apartment and non-local registered households who can provide local tax payment certificates or social insurance payment certificates for a certain number of years; For local registered households with two or more houses, non-local registered households with/kloc-0 houses, and non-local registered households that cannot provide local tax payment certificates or social insurance payment certificates for a certain number of years, it is necessary to suspend the sale of houses within their administrative areas.