Tianjin city after the purchase limit, home purchase policy interpretation?

Many people know that the national hotspot city housing prices are in 2016 skyrocketed, Tianjin as one of them, Tianjin restarted the purchase restrictions in September last year, the implementation of the regionalization of the purchase restrictions, relatively curbed the momentum of the rise in housing prices, due to the rise in the period of strong, at the end of this year in March, Tianjin once again introduced a new round of regulation and control policies. According to statistics, from last year's "9-30" control so far, more than 60 cities or counties across the country issued control policies more than 160 times.

The property market control policy in a large degree affects the consumer's decision to buy a home, which limit the purchase, limit the loan, the proportion of the down payment and other terms, so a variety of related policy information and interpretation of an endless stream of. Related policy changes, many people and institutions "push the wave", and even exaggerated analysis and distorted interpretation of the Tianjin housing purchase restrictions, foreigners can still buy a home in Tianjin; Tianjin Binhai does not limit the purchase; I heard that Tianjin recognizes Hebei and Beijing social security, social security in Beijing, can buy a home in Tianjin? Now a summary of the latest purchase restriction policy and the relevant departments of the official interpretation and subsequent additions.

"3.31" new policy: non-city domicile home purchase requires two years of social security, recognizing the house and recognizing the loan

Tianjin's new home purchase control policy has been implemented since September 30 last year (September 30, the Tianjin Municipal Government issued the "Implementation of the Further Promotion of the Stable and Healthy Development of the City's Real Estate Market

Implementation of the views from increasing the supply of residential land, strengthen the price control of new commodity housing and other dimensions to promote the stable and healthy development of the real estate market to provide control, for the general home-buying crowd is the biggest impact on the purchase restrictions and differentiated credit policies.

1) Restriction on purchase: the city's household registration of family units are limited to 2, non-city estimates need two years of social security

In the city has 1 and more housing non-city resident families, with 2 and more housing in the city's household registration of resident families, with 1 and more housing in the adult singles (including unmarried and divorced), suspended in the city (outside the Binhai New Area) to buy a new commodity housing and second-hand housing again. housing and second-hand housing.

Non-city resident families purchasing housing within the city are required to provide proof of payment of social insurance or individual income tax for at least 2 consecutive years within 3 years in the city. Proof of retroactive payment of social insurance or individual income tax shall not be valid for the purchase of housing.

2) Differential Credit: Minimum 60% down payment for 2 suites, recognizing housing and loans

Resident families who already have a home in Tianjin or who do not have a home in the city but have a record of home purchase loans (including housing provident fund loans), apply for a commercial personal housing loan to implement the credit policy for 2 suites, with the down payment ratio adjusted to not less than 60%.

Resident families who do not have a home in Tianjin and do not have a record of home purchase loans (including housing provident fund loans), applying for a commercial individual housing loan to buy a home, the minimum downpayment ratio of 30%

The supplementary payment of social security for a period of no more than 3 months can be regarded as a continuous payment

The above restriction on purchases and the credit content of the General Office of the Tianjin Municipal People's Government on the further deepening of the control of the city's real estate market implementation of the policy.

The official interpretation mainly focuses on the qualifications for purchasing a home, the types of restricted housing and the standard number of housing units. Excerpts are as follows:

1) If a non-city resident family purchases housing in Binhai New Area, does it provide proof of payment of social security or personal income tax for more than 2 consecutive years within 3 years in the city?

A: It is required. (Proof of retroactive payment of social insurance or individual income tax shall not be used as a valid proof for purchasing housing.)

2) Is it necessary to provide proof of eligible social insurance and personal income tax at the same time for non-resident families to purchase housing in the city?

A: No, just one of the two certificates. (Proof of retroactive payment of social insurance or personal income tax shall not be used as a valid proof for purchasing a home.)

3) What types of housing are included in the purchase restriction? Are apartments included in the purchase restriction? Are housing reform purchases included in the purchase restriction?

A: Including new commercial housing, price-restricted commercial housing and second-hand housing; residential apartments and mixed apartments that have been selected for "residential" use are included in the scope of the purchase restriction, while other types of apartments are not included in the scope of the purchase restriction; the purchase of housing is not included in the scope of the purchase restriction and is not included in the number of housing units for residential families or single persons. Housing reform purchase of housing to obtain property rights and then sold, included in the scope of the purchase restrictions, according to the April 1, 2017 after the purchase restrictions on the implementation of the policy.

The supplemental announcement, on the other hand, was jointly issued by the three departments of Tianjin Municipal Land and Housing Bureau Tianjin Municipal Human Resources and Social Security Bureau Tianjin Municipal Local Taxation Bureau, which mainly focuses on the way of obtaining proof of personal social insurance and proof of completion of personal income tax and the criteria for recognizing them.

Taking "proof of personal social insurance" as an example, the supplementary announcement pointed out that "the implementation of the Opinions" in the "city within 3 years of continuous payment of social insurance for more than 2 years" refers to the buyer from the previous month of the month of the purchase of the home, forward projected to 3 years of continuous payment for any 24 months in the city, and the buyer will have to pay social insurance for the next 3 years. The purchaser has continuously paid urban workers' basic pension insurance (or urban workers' basic medical insurance for institutions) for 24 months in the city. The basic pension insurance for urban workers paid by the purchaser as a flexibly employed person (individual contribution) is combined with the above contribution period.

The existence of retroactive contributions due to job changes and other reasons and the number of months of retroactive contributions does not exceed 3 months out of 24 months are considered as continuous payment and can be used as a valid proof of home purchase.

Tianjin recognized Hebei, Beijing social security only for the formed settlement

"Social security of the same city" new policy in Beijing after two years of social security can be purchased in Tianjin," which is a misinterpretation of the formed settlement.

Tianjin Municipal Public Security Bureau has been on the matter of rumors, in addition, this policy from the Tianjin Municipal Public Security Bureau of Tianjin Municipal Bureau of Human Resources and Social Security Bureau and Tianjin Municipal Education Commission *** with the introduction of "", the policy terms and conditions are also written very clearly: the development of the establishment of the introduction of the Beijing-Hebei enterprises and workers of the original home of the payment of social insurance with the city of the recognition of the policy that the establishment of the introduction of Beijing-Hebei enterprises and workers of the original home of the payment of social insurance with the city. The introduction of the formation of the Beijing-Hebei enterprise workers in the Beijing-Hebei two places to pay social insurance, permitted to declare the formation of settlement in Tianjin.

The social insurance co-location policy is only for the workers of Beijing and Hebei enterprises who have been introduced into the country in the formative stage. Beijing social security, Tianjin to buy a house is still not realized.