On February 25th, 20 19, according to the data released by Hangzhou Municipal Bureau of Statistics, the number of people participating in basic medical insurance in Hangzhou had reached 10678 million before10, an increase of 338,000 compared with 1034 million in the same period last year.
Earlier, Hangzhou officials revealed that from June 5438+0 to June 5438+00, 309,000 college students under the age of 35 were newly introduced, an increase of 45.84% over the total in 20 19.
These figures show that it is possible for Hangzhou to win the title of the first net inflow of population in China again.
Around us, we can often feel an upsurge of "going to Hangzhou"
Let nature take its course Coming to Hangzhou to settle down has also become the next move of these new Hangzhou people.
Among our fans, friends often ask how to buy a house in Hangzhou.
Today, I will sort out a "New Hangzhou People's Housing Raiders" for everyone, so that everyone can understand how to settle down and shake the house policy.
Understand Hangzhou
Note: Fuyang and Lin 'an are set up as districts after being removed from the city; Hangzhou Municipal Government is located in Jianggan District.
Hangzhou has 10 administrative districts, 2 counties and 1 county-level cities.
Among them, the restricted purchase areas are the following 9 districts: Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District, Binjiang District, Xiaoshan District, Yuhang District and Fuyang District.
Non-restricted areas are: Lin 'an District, Tonglu County, Chun 'an County and jiande city.
In other words, Lin 'an District is the only one in the ten districts of Hangzhou that is not limited to purchase. Foreigners don't have to settle down or pay social security to buy a house.
In addition, we also need to understand the concept of the main city. The main urban area of Hangzhou includes Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District and Binjiang District, with a total of six.
It is mainly the traditional urban area of Hangzhou on the north bank of Qiantang River, plus the Binjiang District of Jiang Nanan.
In addition to the relatively mature development, the main factor affecting the concept of the main city is education.
Due to the special system of governing counties in Zhejiang Province, after Xiaoshan and Yuhang were removed from the city and divided into districts, the education in the ten districts of Hangzhou was not completely open, so it was different to apply for high school.
Junior high school students in Xiaoshan District and Yuhang District cannot apply for high schools in the main city.
This is also one of the reasons why the price limit of new houses in the main city will be higher at the junction with Xiaoshan and Yuhang.
For example, the Harvest Lake jointly built by Jianggan District and Yuhang District, the same plate, the price limit of Jianggan District is 3.3 w/m 2, and Yuhang District is 3 w/m 2.
Gongshu District Canal New Town Plate has good school resources, with a price limit of 3.8W/㎡, which is next to Gouzhuang, Yuhang District, with a price limit of 3.05W/㎡.
In Jiang Nanan, the price limit of Longhu Kang Bin Complex Project in Binjiang District is 5. 15W/㎡, 1.5km, and the price limit of Apollo Hua Ting in Xiaoshan District is 3.4W/㎡, and the price difference is 1.75W/㎡.
It is worth noting that the establishment of Qiantang New District in Hangzhou in 20 19 is an economic zone concept, not an administrative zone. It consists of Xiasha in Jianggan District and Dajiangdong in Xiaoshan District.
However, as early as 20 15, the integration of enrollment has been implemented in senior high schools in Dajiangdong and the main city. In other words, although Dajiangdong still belongs to Xiaoshan District administratively, junior high school students in this area can apply for high schools in the main city.
Xiasha, because it is in Jianggan District, belongs to the main city of course.
settle down
After understanding the basic situation of Hangzhou, if you want to settle down, the next step is to get the qualification to buy a house. At present, there are two methods.
1, foreign household registration+social security for 2 consecutive years
From March 3, 2007 to March 3, 2065438, Hangzhou stipulates that families who have paid personal income tax or social insurance (urban social insurance) for more than two years in the first three years from the date of purchase can buy houses.
Key words are: foreign household registration, continuous payment of social security for 2 years or more within 3 years.
This method is relatively slow, the advantage is that you don't have to move your household registration, which is suitable for buyers who are unwilling to give up their original household registration. For example, there are Beijing and Shanghai hukou; Or hukou is still very useful in my hometown.
Please click here to view the policy details:
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Step 2 settle in Hangzhou
Compared with paying social security, the quickest way to get the qualification to buy a house is to obtain the household registration in Hangzhou directly.
On April 20 19, Hangzhou issued the "Notice on Implementing Policies and Measures to Stabilize Enterprise Growth and Promote Real Economy Development", which lowered the academic qualification threshold to junior college, which can be said to be very low.
In addition, various settlement policies implemented in Hangzhou now include settlement of points, settlement of asylum, and settlement of returned overseas students.
The specific requirements are as follows:
Education settled down.
It should be noted that college and undergraduate education requires social security, and it is enough to have a payment record, at least 1 month;
Masters and doctors can "re-employment first", that is, they can directly move their registered permanent residence to Hangzhou without social security.
Full-time junior college (including higher vocational colleges): under 35 years old+pay social security for one month.
Full-time undergraduate: under 45 years old+pay social security for one month.
Full-time postgraduate: Master under 50 years old, doctor under 55 years old, without social security.
Returned overseas students: studying abroad for a degree, or going to foreign universities and scientific research institutions for further study, serving as visiting scholars or postdoctoral researchers, who have not been naturalized or settled abroad for more than/kloc-0 years and have no social security.
Screenshots are taken from Hangzhou government network and "Hangzhou Public Security" official micro.
Ownership settlement
If your education does not meet the requirements, or if you are over age, but you have a professional title, you are also a welcome talent in Hangzhou, but there are also corresponding social security requirements.
Intermediate title: under 45 years old+1 year social security
Deputy senior title: under 50 years old+1 month social security
Senior title: under 55 years old+1 month social security
Screenshot from "Hangzhou Public Security" official micro
High-skilled talents settle down.
Insufficient education? Do you have a title? If you are a highly skilled person, Hangzhou also welcomes you.
Senior professional qualification: under 35 years old, have paid social security for more than 3 years in the same unit+have a fixed residence.
Professional qualification of technician or above: under 45 years old, have paid social security in the same unit for more than 3 years+have a fixed residence.
Screenshot from "Hangzhou Public Security" official micro
High-level talents have settled down.
Through the evaluation of high-level talent system in Hangzhou, it can be divided into five categories: A, B, C, D and E, which can be directly settled.
The evaluation criteria for high-level talents can be found here:
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Talent identification question and answer:
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Screenshot from "Hangzhou Public Security" official micro
Take refuge and settle down
In addition to all kinds of talents, spouses, children and parents who have houses and registered permanent residence in Hangzhou can settle in Hangzhou through the asylum policy.
However, the influence of this settlement on the purchase of houses is mainly reflected in the parents' refuge, that is, the "house ticket for the elderly"
Because not most people need husband and wife to buy a house, Hangzhou only requires that one of the husband and wife is a local household registration, so they can buy a house; And underage children are not eligible to buy a house.
But after the old man settles down, he can buy a house.
This used to be a loophole in buying a house. After someone moved their parents' accounts, they bought a house in full in the name of the elderly.
On September 4 last year, the New Deal of Hangzhou property market patched up and asked the elderly to rely on their children to settle down. It will take three years to qualify for buying a house.
It should be noted that there is also a premise for parents to take refuge.
Husband and wife take refuge: married for 2 years+one party has a legally fixed residence in Hangzhou.
Shelter for the elderly: mothers must be over 55 years old, fathers must be over 60 years old, and most of their children are in Hangzhou or have no children around them.
Shelter for minor children: One of the parents is registered in Hangzhou.
Screenshot from "Hangzhou Public Security" official micro
Overall settlement
Even if the above conditions are not met, you can still consider the settlement of points.
Floating population with Zhejiang residence permit in Hangzhou, 18 years old or above, without serious criminal record or participating in organizations or activities prohibited by the state can apply, and the annual application time is March.
Every year, Hangzhou will draw the "admission score line" for the settlement of points. As long as it meets the conditions, it will be 20 19 125 and 2020 120.
The rules for settlement of points will be adjusted soon, and the draft for comments has been released. You can check the details and points acquisition here:
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Regarding the settlement of points, you can also click here to view relevant questions and answers.
Policy article
With the qualification of household registration or house purchase in Hangzhou, you can prepare to buy a house of your own, but you still have to master some necessary policies.
First of all, clarify several concepts:
Houseless family
There is no self-owned house within the scope of purchase restriction in Hangzhou, excluding unmarried, single divorced after April 4, 20 18 and "houseless families" arising from self-owned house transactions after April 4, 20 18.
3? Buyers who are unmarried and single over 0 years of age and have no records of their own houses within the scope of this Municipality's purchase restriction, and those who have been divorced and single for three years and have no records of their own houses within the scope of this Municipality's purchase restriction can be identified as families without houses.
Families whose household registration is within the scope of non-restricted purchase in Hangzhou must also have no self-owned houses on their household registration, and have paid urban social insurance or personal income tax within the scope of restricted purchase in our city for 12 months from the year before the date of intention registration?
Talent family
B, C, D and E talents classified by Hangzhou and qualified talents at corresponding levels.
Hot spot building
There is no clear definition, but there are two measures.
1, whether the property has a lottery record of 10,000 people; 2. Has there ever been a record of 10,000 people shaking out properties with the same price in the same area?
These properties tilt 80% to families without houses and 20% to talented families.
Up to now, Metro Vanke Future Sky City, Vanke Chen Qian, Ocean Xixi Mansion, Dexin Dajia Canal Trang Van, Sunshine City Yao Xing Huayangli and Binjiang Apollo Hua Ting have been designated as hot-selling properties.
The first five sectors have all experienced ten thousand people shaking. Although there are no ten thousand people shaking the plate where Apollo Hua Ting is located, the project market is hot, and it may become a ten thousand people shaking itself.
After clarifying the above concepts, we will understand the relevant policies introduced by Hangzhou in recent years.
Notarization lottery policy
From April 4th, 20 18, Hangzhou became the sixth city in China to implement the policy of notarization and lottery. At first, it only tilted the families without houses to a certain extent, and later it joined the tilt of talented families.
The lucky draw is divided into four rounds:
The first round: shake out high-level talents to choose families, but not sure about the order of choosing houses;
The second round: the high-level talented families who were not selected in the first round participated in the lottery with other recognized "families without houses", shaking out the "families selected in the second round" and uncertain about the order of choosing houses;
The third round: families who failed to choose houses in the first and second rounds, families without houses and other families participated in the lottery. The lottery houses were the remaining houses after the first two rounds of lottery, and the order of the third round of house selection families and candidate houses was shaken out;
The fourth round: all the selected families in the first round, the second round and the third round will be shaken to shake out the order of house selection.
Therefore, talents have three chances to win the lottery, and families without houses have two chances. However, although they have the priority of lottery, they have no priority in choosing a house.
The final order of house selection is determined by drawing lots after all the winners are determined.
Even if you are not a talented person or a house without a house, you may rank 1.
However, it should be noted that families who give up choosing a house and buying a house twice after the election will be "forbidden" within 3 months from the date of giving up choosing a house and buying a house;
After the election, families who give up choosing a house or buying a house for more than three times (inclusive) are forbidden to "shake the number" within 6 months from the date of giving up choosing a house or buying a house;
Need to be reminded that if there is a suite 100, and you win the number of 100, it is also a prize. If you give up choosing a house, or give up buying after choosing a house, it belongs to 1 time. After three consecutive times, you will be "locked in a dark room" for 6 months.
The lottery policy has been implemented for more than two years, and it was patched twice in a row last year:
"July 2" New Deal:
Talent purchase is limited to 5 years.
The proportion of families without houses in buildings below 35,000/㎡ is inclined by 50%.
One household cannot incite two projects at the same time.
"9.4" New Deal:
Houseless families are single in their thirties and divorced for three years.
Parents can't buy a house until they have settled for 3 years.
The proportion of hot real estate to families without housing will be increased to 80%, and the sale will be limited to 5 years.
"double limit" policy
2065438+On June 29th, 2009, Hangzhou listed nine plots related to homestead, and defined the average selling price, the highest unit price and the price limit of new house decoration.
This is the first batch of land parcels in Hangzhou with "limited housing prices and competitive land prices", and this policy is also known as the "double limit" policy.
Up to now, the price limit of most new houses in Hangzhou has been unlocked. However, the price limit is not static, some sectors are hot, and the price limit will be adjusted appropriately.
For example, in the future science and technology city, the price limit will be raised from 3.45 w/m 2 to 3.61w/m 2.
However, the price limit of most sectors in Hangzhou is still very strict. In June this year, the price limit of more than 20 plots planned to be sold in 5438+ 10 has not been raised.
Therefore, we have repeatedly stressed that we should not chase second-hand new houses unless the demand is urgent. The price of new houses is very stable. Although the lottery depends on luck, there are always opportunities.
Talent lottery policy
Starting from April last year 1, Hangzhou began to give preferential treatment to talented families in the supplementary opinions of implementing "37 articles on talent ecology", and on the basis of tilting 20% to families without houses, it will tilt 20% to talented families.
As mentioned earlier, the lottery priority of talented families is ahead of families without houses.
High-level talents are divided into five categories, but the families of high-level talents who participate in the lottery are limited to B, C, D and E.
Because Class A talents buy their first house in Hangzhou, they can choose the house directly without shaking the number. But they are all Nobel Prize winners and top academicians.
It should be noted that families with high-level talents must apply for high-level talents as the main body of housing purchase;
High-level talent families are recognized as talents by whether the talent card is valid on the day of registration, and the talent card that takes effect after the registration deadline cannot be recognized as a high-level talent family;
The housing management department will once again check the priority of high-level talents in purchasing houses when handling the results of notarization and lottery for commodity housing projects. If the talent certificate has expired and has not been renewed, the talent will be disqualified from purchasing this suite.
According to the latest policy, houses obtained through the priority purchase of high-level talented families are not allowed to be listed and traded for five years from the date of online signing.
In addition, A, B, C and D talents can enjoy subsidies when buying houses in Hangzhou (including Xiaoshan, Yuhang, Fuyang and Lin 'an).
A class of top talents "one person, one discussion" has a maximum housing subsidy of 8 million yuan;
B, C and D talents are given housing subsidies of 2 million yuan, 1 0.5 million yuan and110,000 yuan respectively.
The premise is that they must buy the first suite in Hangzhou.
However, unlike the requirement that families without housing have never bought a house in Hangzhou, the first suite of talented families can enjoy the treatment of talented families as long as it meets the requirement of no housing under its name and the property under its name is transferred.
In addition, the following three situations do not hinder the identification of talents without housing:
Screenshot from Zhejiang News Client
There are still doubts about housing subsidies for high-level talents. Please click here to view related questions and answers.
Existing family policy
In 20 17, in order to curb the popularity of local auctions, Hangzhou had a short-term existing home sales policy: after the premium rate of local plots was capped, commercial houses built on the plots could not be sold before obtaining the real estate registration certificate.
In four months, there are 20 residential restricted sales projects in Hangzhou. In July last year, Ocean Shipping Jin Lu Shanghe Zhang Chen began to sell, becoming the first existing home project listed.
Up to now, 1 1 in these projects have been listed one after another, and 10 has been liquidated.
The rest is:
For sale: Hangfang Yuedong, Airport Lantian.
Sale: Jianfa Hui Jin Zizhangtai, Gezhouba Longhu China House, MCC Jinxiu Mansion, MCC Jinxiu Huafu, Poly Tianhui, Gaoyun Shang Yue House, Yuzhou Nanwo Plot and Hongli Xinwan Plot.
Loan article
Finally, let's take a look at the down payment of a house loan in Hangzhou.