As far as Changsha is concerned, the restricted areas include Furong District, Yuelu District, Tianxin District, Yuhua District, Kaifu District, Wangcheng District and Changsha County. The down payment for buying a house depends on the specific situation of the buyer: the minimum down payment for the first suite is 20% for provident fund loans and 30% for commercial loans or portfolio loans; For the second home loan, the minimum down payment for the first loan is 35%, and the minimum down payment for the first loan is 45%. From the policy point of view, the regulation of the second home loan has been strengthened, and the first home loan has little impact. Adult unmarried persons with Changsha household registration, who have no self-occupied housing in the restricted area, have the same household registration as their parents, and their parents' housing in the restricted area does not exceed 1 set, can purchase 1 set of commercial housing. In addition, adult singles who divorced before the "923 New Deal" in this city last year enjoyed the same treatment as adult unmarried people. Non-Changsha household registration personnel can obtain the qualification of purchasing houses if they meet the following conditions: college degree or above/technician applying for the qualification of purchasing houses (not settled); Full-time bachelor degree or above under the age of 35 (purchased after settlement); Pay social security or individual tax for 24 months continuously; Military personnel; Migrant workers settled down. The commercial housing purchased by these people in Changsha, including newly-built commercial housing and second-hand housing, can only be listed and traded after obtaining the real estate ownership certificate for three years. The four groups of people below 20 18 in Changsha can give priority to the allocation of price-limited houses, including: the elderly over 60 years old; Family members are disabled at or above the second level, suffering from major diseases and key special care recipients within the scope of medical industry standards; Low-income families without housing; A family that won the honorary recognition, special contribution award and model worker title at or above the municipal level, and won the second-class merit and third-class merit during military service. In addition to the above policies, Changsha has also established cooperation projects with ten other provinces, including Beijing, Guangzhou, Shanghai and Shenzhen, most of which require applicants to have their household registration in Changsha. The implementation of this policy has opened the door for Changsha people working in other places to buy local housing.

Legal objectivity:

"Measures for Housing Registration" Article 86 If the ownership of a house is transferred according to law, the following materials shall be submitted to apply for the registration of the transfer of ownership of the house: (1) an application for registration; (2) the identity certificate of the applicant; (3) Certificate of ownership of the house; (four) the certificate of the right to use the homestead or the certificate of the right to use the collectively owned construction land; (five) materials to prove the transfer of housing ownership; (6) Other necessary materials. To apply for the registration of the transfer of ownership of villagers' housing, it shall also submit the certification materials of the rural collective economic organizations agreeing to the transfer. Where a rural collective economic organization applies for the registration of house ownership transfer, it shall also submit the certification materials approved by the villagers' meeting or authorized by the villagers' meeting and approved by the villagers' representative meeting.