Changsha buy real estate purchase qualification regulations

According to Changsha's policy of limiting the purchase of commercial properties, the purchase of commercial properties by non-Changsha householders must comply with the following regulations:

1. Those who have been settled in Changsha for more than 2 years are eligible to purchase a house.

2. Family households (married, or divorced with a child under 18 years of age) who have settled in Changsha for more than 2 years and whose first suite of property rights has been certified for 4 years are eligible to purchase a second suite.

3, settlement for 1 year, social security or personal tax for 1 year to qualify for the purchase of housing (settlement time and social security or personal tax should be at the same time full 1 year).

4, settled less than a year, social security or personal tax for 2 years have the qualification to buy a house.

5, the account book shows the new policy of talent settlement (showing undergraduate settlement does not apply to this article), social security is in the state of payment of home qualification (social security can be found on the line, there is no time requirement).

6, no settlement, social security or personal tax for 2 years have the qualification to buy a house (provincial social security needs to be paid by the registered unit in Changsha, in Changsha work certificate).

7, no settlement, provide proof of education, proof of work, 24 months of salary flow, 24 months of proof of residence and proof of social security in payment, have the qualification to buy a house (Changsha City account does not adapt to this article).

8. If you have not settled down and have obtained the Changsha Talent Green Card through the Changsha Talent Office, you are eligible to purchase your first home with this Talent Green Card.

9. Those who have not settled down and meet any one of the following three conditions are qualified to purchase their first home in Changsha: 1) enlistment in Changsha; 2) service in Changsha; 3) household registration in Changsha before enlistment in the army. In addition, those who have directly settled in Changsha are also eligible to purchase a home.

10, did not settle, official mobilization (including public recruitment) time (to recruitment, mobilization notice time counting) for one year, submitted to the organization, human resources and social services departments issued by the official recruitment, mobilization notice, in the city's restricted area of the purchase of a set of commercial housing. The official mobilization (including open recruitment) personnel settled in Changsha for one year, submit the official recruitment and mobilization notice issued by the organization, human resources and social services departments, and limit the purchase of one set of commodity housing within the restricted area of Changsha City.

11, January 30th, the city housing and construction committee replied: in accordance with the policy of purchase restrictions, settled in the school collective account of college students, may not be in the purchase of commercial housing in the restricted area. However, if you are a faculty member who has settled in the school's collective account, you are eligible to buy a house after you have settled in Changsha for one year and have paid social security for 12 months.

According to Changsha's policy of limiting the purchase of commercial housing, Changsha households are required to meet the following requirements for the purchase of commercial housing:

1. Changsha households can buy a second home after 3 years of the first home.

2. Individual Changsha families and collective households with their first suites handled before 923 are allowed to buy the 2nd suite after 3 years, and those handled after 923 are limited to buying 1 suite.

3. Changsha single person: limited to buy 1 set (adult unmarried, household account with parents and only no more than 1 housing unit under parents' name).

The whole process of buying a house in Changsha

1, prepare to buy a house, there are many preparations to be made before buying a house, first of all, you need to see if you have the qualification to buy a house. According to Changsha's "9.23" purchase restriction policy, if you are not a Changsha resident and want to buy a house in Changsha, you need to pay more than 24 consecutive months of personal tax or social security, and then you can buy a set of commercial house.

2, look at the house to choose the house and then subscribe, look at the house ready to buy, you need to pay - part of the amount of the deposit to the developer, and sign the subscription. General deposit payment ratio shall not exceed 20% of the total amount of the contract indicated.

3, after the qualification of the purchase of the qualification of the buyer will need to give the developer a down payment.

4, sign, sign the purchase contract, pay attention to see if there are no blank clauses in the contract, supplemental agreement in the obligations and rights are not equal, the responsibility for breach of contract and compensation is not written clearly, the date of handover and handover standards are clear.

5, for the loan, if it is a commercial loan, the purchase of the first ordinary residential, the down payment ratio is not less than 30%, the purchase of a second ordinary residential, if the previous loan has been paid off, the down payment ratio is 35%; if the previous loan is not paid off, the down payment ratio is 45%.

6, pay taxes and fees, after signing the contract, the buyer goes to the bank to pay the deed tax and residential special maintenance funds.

7, home inspection and possession, after the completion of the house, the developer will notify the home inspection and possession.

8, the payment of fees to move in, the buyer to pay the property costs, heating costs, parking fees, etc., the property company charges are not - the same, the property company responsible for the development of the charges shall prevail.