What is the impact of Tianjin's purchase restriction policy on settlement? Answer questions about buying a house and settling down.

The housing purchase restriction policy implemented in Tianjin this month has attracted everyone's attention. What changes have been made in the new policy, and how to buy a house under the new policy has become a concern for everyone.

Let's review the contents of this purchase restriction policy:

Non-local registered households with 1 set or more houses, local registered households with 2 or more houses, and adult singles with 1 set or more houses (including unmarried and divorced) are suspended from buying new commercial housing and second-hand housing in this city (except Binhai New Area).

Non-registered families who purchase houses in this city need to provide proof of continuous payment of social insurance or personal income tax for more than 2 years in this city within 3 years. The paid social insurance or personal income tax certificate shall not be used as a valid certificate for purchasing a house.

Strictly identify the number of households' housing units. The number of houses restricted for purchase includes the existing houses that have obtained the title certificate under the name of the purchaser's family or adult singles and the houses that have signed the house sales contract online. * * * Property houses are included in the number of residential housing units.

The minimum down payment ratio is 30%, and the down payment for the second suite is adjusted to not less than 60%. For households who have no housing and no housing loans (including housing provident fund loans) in this city, commercial personal housing loans with a loan period of 25 years or more are suspended.

FREQUENTLY ASKED QUESTIONS

Q: Does the Tianjin collective account purchase restriction policy affect it?

Settled in the treasure: the collective account is the official account of Tianjin and is not affected by the purchase restriction.

Q: Is it a family decision or a personal decision after divorce?

Settled in Bao: after divorce, those with minor children are considered as families, and those without minor children are considered as individuals.

Q: Do foreigners need to pay social security for 2 years when buying a house in Binhai New Area?

Anjinbao: Yes. If you buy a house in this city, you need to provide proof that you have paid social insurance or personal income tax in this city for more than 3 years and 2 years, and you can't pay back or withhold it.

Q: I have a suite in my name. Is there a loan restriction for buying a house in Binhai New Area?

Settlement treasure: Binhai New Area is not limited to purchase, but also limited to loans.

Q: What is a mortgage loan?

Settled in the treasure: recognizing the house and recognizing the loan means that when buying a house with a loan, as long as the borrower has a house or a mortgage record, it will be defined as a second suite or above.

Q: I bought a house twice through a loan, but both of them have been sold. There is no house now, but there are two loan records. Can I still apply for a provident fund loan?

Settlement insurance: The audit standard and basis for determining the number of housing units by housing provident fund loans are based on the number of housing loans and housing consumption (including housing provident fund loans and withdrawals) reported by individuals in the housing provident fund inquiry form. Buying a house again is the third set, and housing provident fund loans cannot be used.

Q: Can Tianjin's provident fund borrow money from different places to buy a house?

Settlement insurance: pay housing provident fund in Tianjin, buy houses in other cities, and cannot apply for housing provident fund loans in our city. Within the administrative area of this Municipality, those who have purchased their own houses with property rights, and have household registration in the city where the houses are purchased or work in the city where the houses are purchased, may apply for withdrawal of the housing provident fund of this Municipality after passing the examination.

Q: Can I buy a house after the social security is interrupted?

Settled in the treasure: the paid social insurance or personal income tax certificate shall not be used as a valid certificate for buying a house. Once interrupted, we must start from the beginning.