Do I have to pay social security for several years to buy a house in Xiamen?

Two years. Within 2 years, the city has continuously paid personal income tax or social insurance certificate 1 year or more. "

1, the first set of housing, the original policy for 144 square meters above the tax rate of 3%, the new policy no longer divides the boundaries of 144 square meters, and uniformly stipulates that the tax rate of housing above 90 square meters is 1.5%. The second set of improved housing, the original policy stipulates that the tax rate of 90 square meters and below is 3%, and the new policy is1%; The original policy stipulated that the tax rate above 90 square meters was 3%, and the new policy was 2%.

2. You can apply for 40% down payment for the second suite, and the interest rate will go up 10%. "If the loan of the first suite is paid off, the second suite can be counted as the first suite. The first home loan currently implements the benchmark interest rate. "

3. Newly-purchased commercial houses (including newly-built commercial houses and second-hand houses) can only be transferred after obtaining the title certificate for 3 years. This means that the new house can only be traded after obtaining the real estate registration certificate for three years.

Extended data case:

Changes in Xiamen's purchase restriction policy

2010 On September 30th, Xiamen issued "Opinions on Implementing Macro-control Policies of the Ministry of Housing and Urban-Rural Development to Promote the Sustainable and Healthy Development of Xiamen's Real Estate Industry", requiring that the same family can only buy a set of newly-built commercial housing in Xiamen from June 30th, 2065 438+00.

2011February 2 1, "Xiamen 8 Articles" was issued. Provisions: Non-local registered households who own 1 apartment and have paid personal income tax payment certificate or social insurance payment certificate in Xiamen for more than 1 year in the first two years from the date of purchase are restricted from buying 1 apartment.

On April 2, 20 13, the Xiamen version of "National Five Articles" came into effect. Compared with the previous purchase restriction policy, the clause that "non-local households are not allowed to buy houses by paying back the personal income tax payment certificate or social insurance payment certificate" has been added, and the previously stipulated "accumulated personal income tax or social insurance payment certificate in this city within two years 1 year or more" has been upgraded to "continuous monthly payment of 65,440 certificates in this city within two years". In addition, if the original value of the house can be verified by historical information such as tax collection and management, house registration, it will be strictly in accordance with the law.

On August 5, 20 14, Xiamen began to loosen the purchase restriction, and issued the "Implementation Opinions on Promoting the Stable and Healthy Development of the Real Estate Market", announcing that the four districts outside the island will no longer implement the purchase restriction, and the ordinary commercial housing in Siming District and Huli District will continue to implement the purchase restriction.

2065438+On June 5, 2005, with the consent of Xiamen Municipal Government, from June 6, 2065438+2065438, commercial housing in Siming District, Huli District 144 square meters in Xiamen Island will no longer be restricted. At this point, the purchase restriction in Xiamen has been completely cancelled.

Minnan language. Com- Xiamen property market "purchase restriction order" was completely cancelled, welcoming the most relaxed policy in four years.