I. Restricted purchase area

Furong District, Tianxin District, Yuelu District, Kaifu District, Yuhua District, Wangcheng District and Changsha County.

Second, people who are not qualified to buy a house.

1. Households with registered residence in this city own two or more houses in the restricted purchase area.

2. There are 1 sets and above houses in the restricted purchase area for unmarried adults with household registration in this city.

3. Non-local registered households own 1 set or more houses in the restricted area.

4. College students who have settled in the school collective account.

5. Parents who have taken refuge in adult children for less than 2 years cannot buy separately.

6. Minors cannot buy separately.

Second, people who can buy the first suite

1, registered families in this city.

2, the city's household registration adult unmarried.

3. Parents have taken refuge in adult children for 2 years.

4. Non-registered families who have stable employment and no housing in this city should pay personal income tax (or social insurance) for 24 months continuously.

5. Households with registered residence in this city who have moved in from outside the city have been stably employed in this city and settled for 1 year, or have been paying personal income tax (or social insurance) for 24 months continuously in this city.

6.a, B, C and D talents.

7. Soldiers buy houses, including places of enlistment, origin and service in Changsha, and professionals and veterans directly settle in Changsha.

Third, people who can buy two suites

1. If the household registered in this city has 1 apartment in the restricted area, it will be four years since the date of obtaining the real estate ownership certificate.

2, A, B, C and D talents, after obtaining the real estate ownership certificate for 4 years.

3. Soldiers purchase houses, including the place of enlistment, place of origin and place of service in Changsha. Professionals and veterans directly settled in Changsha and obtained the real estate ownership certificate for 4 years.

Remarks:

1. There is no restriction on the gift of immediate family members, but the donor can't buy a house within 4 years.

2. After the divorce, if either party buys a house within 2 years, the number of houses owned by both husband and wife shall be calculated according to the total number of families before the divorce.

Changsha first home loan preferential policies

According to the regulations of the People's Bank of China, urban residents in China enjoy preferential mortgage interest rates when purchasing 1 houses.

1. Individuals who purchase ordinary houses below 90 square meters for the first time can enjoy the preferential reduction of deed tax rate to 1%.

2, temporarily exempt from stamp duty and land value-added tax.

3. The lower limit of mortgage interest rate can be extended to 0.7 times of the benchmark loan interest rate, and the lower limit of down payment ratio can be adjusted to 20%.

4, individual housing provident fund loan interest rates, interest rates of all grades were lowered by 0.27 percentage points.

5. If the buyer sells the ordinary house that has been purchased for more than 2 years, the buyer need not bear the business tax.

6. Ordinary houses purchased by property buyers are exempt from housing registration fees, and the purchase and sale of stock houses are exempt from housing transfer fees.

7. Households that own a set of housing and the corresponding housing loan has not been settled buy a second suite, and the lower down payment ratio of housing is adjusted to not less than 40%.

8. When using the housing provident fund loan to purchase the first set of ordinary self-occupied housing, the lower down payment is 20%; Families who own a house and have settled their loans apply for housing provident fund to buy a house again, and the minimum down payment is 30%.