Purchase restriction policy
On May 10, Hefei adjusted the purchase restriction, and Yaohai District, Xinzhan District and Xinqiao Industrial Park in Economic Development Zone canceled the purchase restriction, so the latest purchase restriction policy is as follows:
Household registration in Hefei (check the number of houses in the urban area):
1, Yaohai District, Xinzhan District and Xinqiao Industrial Park in Economic Development Zone are not limited to purchase, but the number of houses searched in the urban area after purchase is counted;
2. In the restricted area, before May 10, buy two new or second-hand houses registered in Hefei in the restricted area and the secondary restricted area, and buy second-hand houses in full in the non-secondary restricted area, with no limit on the number of sets;
After May 10, you can buy two new houses in the restricted area, a third second-hand house in the secondary restricted area, and a full second-hand house in the non-secondary restricted area.
The second restricted purchase area here refers to the restricted purchase area designated after the New Deal in April last year, mainly including government affairs, lakeside, high-tech and some designated school districts. At present, the school district in Yaohai District has lifted the purchase restriction, and other areas have not changed.
Non-local hukou (check the number of houses in the urban area):
1, Yaohai District, Xinzhan District and Xinqiao Industrial Park in Economic Development Zone are not limited to purchase, and social security is not required. Can be purchased directly, but the purchase is included in the number of urban housing searches;
2. To buy a house in the restricted area, the original non-Hefei household registration social security needs to be paid continuously for nearly two years 12 months. At present, the cumulative payment for changing to a new house or a second-hand house is 6 months, and the social security can be paid off but not returned; Four counties and one city (Feidong, Feixi, Changfeng, Lujiang and Chaohu) can apply for a set of household registration;
3. Talents live in peace: the application for talents in key enterprises is divided into two situations: high-level talents and college graduates, which need to be applied by themselves and approved by the company;
Just need:
1, in line with Hefei's housing purchase restriction policy;
2. The purchaser and his family members have no self-owned housing within the urban area of this Municipality, and there is no housing transfer record before the date of registration;
3. Personal income tax or social insurance certificate for more than 2 years in the urban area within 3 years before the date of purchase registration. The social security insurance place is Hefei, excluding four counties and one city. Provincial social security needs to provide proof of work place stamped by the company;
4. The registered purchaser is under 35 years old (subject to the age recorded in the ID card), and the age at the date of registration is under 36 years old;
Job-housing balance (currently only high-tech zones have this policy):
1, need to work in these units with industrial and commercial tax relations in high-tech zones, such as integrated circuits, new displays, artificial intelligence, network and information security, automobiles and intelligent networked automobiles, home appliances and smart homes, high-end equipment manufacturing, energy conservation and environmental protection, photovoltaics and new energy, biomedicine and big health, new materials, creative cultural industries and innovative technology research and development institutions;
2. Meet the purchase restriction conditions in Hefei;
3. Work in the above-mentioned key industrial units, pay social security continuously in the high-tech zone 1 year, and have a bachelor's degree or above;
4. Couples and minor children have no self-owned housing in the high-tech zone;
Sales restriction policy
The new house purchased by notarization lottery shall not be listed and traded within 3 years from the date of obtaining the certificate of immovable property rights, which means that the house purchased by notarization lottery will take more than 5-6 years to sell. If you want to buy a house with high leverage, you need to consider whether your cash flow can last so long.
Other second-hand houses and new houses that do not need notarization are not limited for sale.
Loan restriction policy
What needs attention here is the adjustment of the purchase restriction policy, and the loan restriction policy has not been adjusted at present, so there are two or more sets in the urban area, which need full payment. Moreover, the purchase restriction is to check the number of housing units in Hefei, and the loan restriction is to check the national mortgage record. The minimum down payment for the first suite is 30%. Once the loan record is settled, at least 40% has been settled and at least 50% has not been settled.
At present, many banks adjust the interest rate for just-needed customers to 5. 18%, and the interest rate for non-just-needed first suites to 5.28%. If there is an outstanding housing loan, the interest rate of the second suite is at least 5.77%, and then it will continue to be lowered with high probability.
(PS: The above information is for reference. The loan down payment ratio and discount of different banks are related to the lender's own conditions and credit status. Please consult the loan bank for details. )
House purchase tax
The deed tax of the new house is based on the family, which is1.5% of the first set of total house price above 90 square meters; Two sets of more than 90 square meters, accounting for 2% of the total house price; The first and second sets are 90 flat and below, 65438+ 0% of the total house price; Three or more sets, 3% of the total house price.
The maintenance fund is for properties above the 7th floor (including the 7th floor), properties with elevators below the 7th floor: 1 10 yuan/Ping, and properties below the 7th floor are 80 yuan/Ping;
Personal income tax on second-hand houses is charged at 1% or 20% of the difference in taxable value; If the property right certificate is the only house in the family within 5 years, it is tax-free, and if it is less than 2 years, it needs to pay VAT.
housing allowance
To meet the demand for talent housing, talents from key industrial enterprises in Hefei can buy the first self-occupied housing in the urban area, and high-level talents can enjoy the household registration policy of this city. High-level talents of key industrial enterprises who purchase self-occupied housing for the first time in Hefei can be given housing subsidies according to the standards of 600,000 yuan, 400,000 yuan, 200,000 yuan and 65,438+10,000 yuan respectively, and the maximum amount of housing provident fund loan application is relaxed to twice the current limit.
Who can enjoy the housing subsidy of 600,000 yuan, 400,000 yuan, 200,000 yuan or 6,543,800 yuan?
According to the classification catalogue of high-level talents in Hefei, those who are identified as B, C, D and E high-level talents can enjoy housing subsidies of 600,000 yuan, 400,000 yuan, 200,000 yuan and 6,543,800 yuan respectively. Class A talents "discuss one thing and one discussion".
School district policy
1, "two consistences" shall be implemented for urban compulsory education enrollment (the household registration of school-age children and adolescents shall be consistent with that of their parents or other legal guardians, and separate accounts shall be established; The household registration address of school-age children and adolescents is consistent with the address of the independent property of their parents or other legal guardians. Eligible school-age children and adolescents are enrolled in the school district where the household registration is located.
2. The children of the floating population are enrolled in the "two-oriented" policy of the government and the public schools in the inflow areas. Migrant children must register at the place designated by the education department of the county (city) where the residence permit is located within the specified time, and provide their parents or other legal guardians with the residence permit of our city (residence permit 1 year ending on August 3 1 day), business license or legal labor contract, household registration book, ID card and other materials.
3. Degree system: On the basis of implementing the current compulsory education enrollment policy in our city, the same set of housing will be implemented from the new enrollment in 2002 1 year. In six years, primary schools in the school district can only enjoy 1 degree, and in three years, junior high schools in the school district can only enjoy1degree, except for multiple births and two children who meet the laws and regulations.
New house sales policy
Hefei implements the policy of "notarization and lottery for public sale of commodity housing". The specific process is as follows: first, publicize the real estate, apartment type, start registration time and end registration time to be launched, and the buyers will log in and register according to the published link after starting registration.
The next step is to see if the number of registered real estate people reaches the ratio of 1.5, such as the next round of house selection qualification lottery, house selection sorting lottery, and final house selection; Not up to the proportion of independent sales of developers, but give priority to sales to registered property buyers.
New house price restriction policy
There is a price limit for new houses in Hefei, but the price limit refers to the filing price of rough houses, and there is no uniform standard for fine decoration. Some buildings recently put on record are finely decorated in the range of 2000-3500, plus 500-800 prefabricated rewards.
In addition, there are some upgrading packages that do not need to be shaken, that is, they are upgraded on the basis of the original refined decoration. At present, it ranges from 1500 to 2300 yuan, and this part of the upgrade fee is not included in the filing price and needs to be paid separately.
Therefore, the actual purchase price of the house should be increased by 2500 to 5000 on the blank.
Provident fund policy
Individuals can borrow up to 450,000 yuan, couples can borrow up to 550,000 yuan, and the service life is increased to 30 years.
Major changes in Hefei provident fund: February 65438-February 1, flexible employees in Hefei can deposit housing provident fund in their own names and enjoy preferential loan policies. The monthly deposit base refers to the social insurance deposit base, which is declared by individuals and can be adjusted once a year according to regulations; The deposit ratio is 5% 12%. Monthly deposit amount = (deposit base × deposit proportion) (rounded to the nearest yuan) ×2.
Housing purchase policy of four counties and one city in Hefei
The above is the latest policy of restricting purchases and loans in Hefei, which provides some reference for everyone!
Source: Hefei Monitoring, focusing on Hefei property market for ten years, hand-painted the purchase maps of dozens of regions and sectors in Hefei and thousands of original articles, devoted to the statistics of Hefei property market, and very familiar with the real estate policy, market trend, house price changes and real estate dynamics of the property market.