On September 11 last year, Changzhou released "Notice of the Municipal Government Office on Further Promoting the Stable and Healthy Development of the Real Estate Market in Our City" , and the real estate market policy has ushered in many major updates. Last month, Wujin District also opened the "public conversion commercial interest-added loan business", and the loan speed was accelerated across the board.
Today, I reorganized the house buying policy in Changzhou, including the latest sales restriction, down payment ratio, house purchase subsidy, and settlement in . Remember to collect and forward it!
1. Changzhou house buying and selling policies
Purchase restriction policy:
Unlimited purchase policy.
sales restriction policy:
Commercial housing that has been signed and registered for contracts from April 9, 2017 to September 11, 2020, can only trade if it has been signed and registered for contracts from on April 9, 2017 to September 11, 2020, can only trade if it has been signed and registered for contracts from for 4 years after obtaining the real estate certificate.
Deed Tax (Purchase a Residential in Personal Purchase):
Family First Room: 90㎡ and below 1%, 90㎡ and above 1.5%
Family Second Room: 90㎡ and below 1%, 90㎡ and above 2%
Family Third Room and above: 3%
(family members include spouses and minor children)
Value-added tax and surcharges (personal sale of residence):
Property certificate or deed tax invoice issuance date for 2 years without , and 5% of the full amount (calculated as full/1.05*5%) is also surcharged at 6% of the VAT amount.
Personal income tax :
is charged at 1% of the taxable price or 20% of the difference; the date of issuance of the property certificate or deed tax invoice has been 5 years and is the only house of the family is exempt from levy. 2. Changzhou Loan Policy
Commercial Loan: Starting from September 12, 2020, , improve the differentiated housing credit policy in Changzhou city (excluding Jintan District ), For residents who already own a house and have not settled the corresponding housing loan, if they apply for commercial personal housing loan again to purchase commercial housing, the minimum down payment ratio will be adjusted to no less than 60%.
The specific situation is as follows:
It should be noted that: 1, The mortgage records outside of Changzhou City are also included; 2. At present, the implementation standards of various banks in Changzhou have not been completely unified, and they need to be judged based on the actual situation of each bank.
Provident Fund Loan :
Starting from July 1, 2019, the calculation of housing provident fund loan amount in our city adopts new rules:
1. There is no record of using housing provident fund for housing purchases, and at least one person has paid the housing provident fund continuously for 2 years or purchased affordable housing affordable housing, the loan amount shall be calculated based on the sum of the balances of the applicants that meet the conditions 20 times .
2. If the borrower does not meet the 20 times calculation rules, the loan amount shall be calculated based on the sum of the provident fund balances of of the compliant applicants .
3. The guaranteed care for the loan amount is cancelled, and the original loan amount is relaxed to 180,000 yuan per person and 360,000 yuan for two people will no longer be implemented.
unchanged policy:
4. Before borrowing a loan applicant needs to pay for 6 consecutive months before participating in the calculation of the loan amount.
5. Affordable housing affordable housing loans, regardless of whether there is or not, will still be calculated at 20 times.
6. If innovative and entrepreneurial talents and active-duty military spouses have no record of using housing purchase provident fund , the loan amount will still be relaxed to 600,000 yuan.
Loan term:
Loan term plus the main borrower's actual age shall not exceed 65 years old , but the loan term shall not exceed 30 years and shall not exceed the remaining service life of the land .
In addition, Changzhou has launched a policy of depositing housing provident fund loans for employees in other places. Home buyers from all over the country can use provident fund loans to buy houses in Changzhou.
Loan object:
Employees who have paid housing provident fund in provinces and cities other than the administrative area of Changzhou City, purchased their own housing housing in Changzhou City, and have been certified by the Housing Provident Fund Management Center of the place of payment, and meet the conditions for housing provident fund loans in our city, and have applied for housing provident fund loans from our city Housing Provident Fund Management Center .
Application conditions:
1. When the borrower applies for a loan, the housing provident fund is paid normally. From the date of application, it is estimated that the individual has continuously paid the housing provident fund for 16 months.
2. It can provide valid supporting materials such as purchasing commercial housing, second-hand housing, affordable housing or construction, and overhaul of self-occupied housing.
3. Have stable income, good credit, and have the ability to repay the principal and interest of the loan on time.
4. Apply for guarantee in accordance with the guarantee method approved by the center.
5. The applicant has no or only once in a different place and has paid off the housing provident fund loan record.
6. Meet other conditions specified by the center.
Notes:
1. Applicants for loans that are deposited in other places must first go to the provident fund center of the place of deposit to issue a "Certificate of Contribution and Use of Housing Provident Fund for Employees in Other Places of Loan".
2. The borrower has an unpaid provident fund loan at the place of deposit, and cannot apply for a provident fund loan in other places in our city.
3. The loan record for off-site is deemed to be the loan record of our city.
4. One of the loan applicants has once settled the loan record in another place. The provident fund loans applied for in our city will be implemented in accordance with the city's second provident fund loan policy. If you have had two loan records in another place, you cannot apply for a provident fund loan again in our city. Public-to-commercial loan:
According to the Changzhou Housing Provident Fund Management Center, in order to better meet the housing provident fund deposit employees’ housing loan needs, will open a "public-to-commercial" interest-added loan (hereinafter referred to as "public-to-commercial" loan) in Changzhou City and Wujin District (including Changzhou Economic Development Zone) starting from March 22, 2021.
also answered what is "revolutionary" loan ? Who can do it? what to do? three major problems.
What is the "revolutionary merchant" loan?
Provident Fund Center cooperates with the hosting bank to cooperate with the hosting bank to provide for borrowers who meet the conditions for housing provident fund personal loans, with the approval of both the Provident Fund Center and the hosting bank, the hosting bank shall issue commercial personal housing loans. The interest difference arising from the interest rate of commercial personal housing loans higher than the housing provident fund personal loan interest rate is subsidized to the borrower by the Provident Fund Center. Simply put, those who meet the provident fund loans will be converted from provident fund loans to commercial loans, and the portion with the higher interest will be subsidized by the provident fund center.
"Revolutionary Merchant" loans?
While meeting the conditions for provident fund loans, the borrower who also enjoys the interest rate of first-home commercial housing loans can apply for a "public conversion" loan. Borrowers who apply for portfolio loans may be given priority. For related matters, please consult the loan handling bank in detail. What should I do if I have a "revolutionary contract" loan?
"Revolution of Merchants" loans need to be reviewed separately by the Provident Fund Center and the hosting bank to verify whether they meet the loan conditions. When applying for a loan, the borrower should properly choose a "public-to-commercial" loan or a personal loan for the original housing provident fund. After the provident fund center and the undertaking bank approved the loan type selected by the borrower, the borrower shall not change the loan type.
During the repayment period, the borrower of the "public-commercial" loan can apply to the Provident Fund Center to use the housing provident fund account funds to repay the principal and interest of the "public-commercial" loan on a monthly or partial basis. For specific operations, please contact the 12329 hotline.
Changzhou's current lending time for provident fund loans is around 1-2 months ; pure commercial loans vary from bank to bank, fast 3 to 7 days can be done. The biggest advantage of implementing a "commercial" loan is that it speeds up the lending speed.
New housing market is a great benefit to developers and can speed up payment collection.
The second-hand housing market is a great benefit to home buyers. Because the provident fund loan is long, some sellers who are eager to cash are unwilling to wait, and they often prefer buyers who choose commercial loans; even if the seller is willing to wait, if there is any change during this period, such as the homeowner mortgages the house, or refuses to sell the house on the grounds that the loan is not received on time, it is very unfavorable to home buyers. However, if it is converted to a "public-conversion" loan, this kind of situation can be reduced.
3. Changzhou housing purchase and rental subsidy policy
Talent housing purchase subsidy:
1. Increase the subsidy for doctoral home purchases, and provide a 300,000 yuan housing purchase subsidy for world-renowned schools that meet the conditions for buying houses (the same as the provincial "double innovation talents" world-famous schools standard for that year) PhD1, and other doctoral students will be given a 200,000 yuan housing purchase subsidy for other doctoral students. 2. A technician and senior technician who meet the conditions for buying a house will be given a 50,000 yuan housing purchase subsidy for . 3. A full-time undergraduate student (including returning overseas students who have obtained a bachelor's degree from abroad) who are under the age of 35, a top 400 university in the " Times " university, a top 400 university rankings, University of Chinese Academy of Sciences, and University of Chinese Academy of Social Sciences, (including overseas students who have obtained a bachelor's degree from abroad) will be given a 150,000 yuan housing purchase subsidy for . House rental subsidy for graduates:
1. First of all, the conditions must be met: After 24 months from the date of obtaining the graduation certificate, college students who are employed for the first time in Changzhou city (excluding Jintan , Liyang ) must meet the following conditions at the same time: 1, full-time ordinary Newly employed college students who have obtained bachelor's degree or above in colleges and universities (including overseas students); 2. Newly employed college students who have a household registration in this city (including collective households), or hold a "Jiangsu Province Residence Permit" issued by the public security organs of Changzhou's residence within the validity period; 3. Newly employed college students who have employment in Changzhou, signed a labor contract for 1 year or more, or start their own business in Changzhou, and pay corporate social security and housing provident fund in the district as required; 4. They have no own housing in this city (excluding Jintan and Liyang) and have no real estate transfer within 5 years.
2. Amount and distribution: After review, newly employed college students who have been verified to rent houses independently in the city, and give to 800 yuan per month for doctoral students, 600 yuan per month for master students, and 500 yuan per month for undergraduate students, . The cumulative subsidy period will not exceed 24 months for .
4. Changzhou settlement policy
1. Rental:
1. Rental:
1. Rental of a house to participate in Urban social insurance years from 5 years to 3 years , cancel the setting for applying for residence permit for 5 years. I, spouse and minor children can apply to settle in this city.
2. Buying a house:
has a legal and stable residence in this city and pays social insurance in this city according to law. For those who apply for (signature) of the "Jiangsu Provincial Residence Permit", themselves, spouses and minor children can apply to settle in this city.
(Legal and stable residence refers to property rights housing purchased, built, inherited and donated, and public rental housing provided by the government.The certificate of legal and stable residence includes the certificate of legal and stable residence real estate ownership ( land use certificate , house ownership ), the certificate of public housing rental and use, and the real estate registration of self-built houses in rural areas has not yet been completed, relevant supporting documents such as construction project permits, homestead use and other relevant supporting documents can be submitted. If the certificate of legal and stable residence cannot reflect the purpose of the house, a house land use certificate shall be provided when applying for household registration. )
3. Occupation:
(1) Implement the policy of settlement for rural college students to come and go freely
First, college graduates who meet the conditions for regular employment and entrepreneurship can apply to settle down first and then find employment.
Second, during the period when college students are at school, they can apply to return to their hometown to settle down in their city, or they can apply to move to colleges and universities in their city to settle down in one go.
settled first and then found a job. College graduates who meet the conditions for regular employment and entrepreneurship can apply to settle down first and then find employment. This clause is reviewed by the personnel introduction and review by the human resources and social security departments, and the public security department is responsible for settling down.
(2) Settlement of vocational skills talents has further relaxed
If graduates of vocational colleges have obtained national professional qualifications (vocational skills level) and who have obtained junior college qualifications and above in the city and apply for (signature) of the "Jiangsu Provincial Residence Permit" in accordance with the law, they themselves and their spouses and unmarried children can apply for settlement in the city, and the setting of "pay social insurance and applying for residence permits for 1 year" for relocating personnel has been cancelled
(3) All kinds of outstanding and scarce talents who have been introduced in accordance with the regulations. They can apply for settlement in the city.
Coaches and athletes who have been approved in accordance with the law can apply to settle in this city.
Civil servants hired by this city, staff hired by public institutions, personnel transferred by institutions, enterprises and institutions, themselves, spouses and unmarried children can apply to settle in this city.
(4) Underage children of military cadres with military families and female officers of the garrison troops who have been approved in accordance with the law can apply to settle in this city.
Military demobilized cadres and relocated families who have been placed in accordance with the law can apply to settle in this city.
Retired military personnel and retired employees of the military who are placed in accordance with the law can apply to settle in this city.
(5) Retired persons who are originally registered as residents of the city and who are transferred, delegated to rural areas, supported borders, and supported third-line construction to work in other places due to national construction needs and who apply to return to their original homes to settle down, they can settle down in their legal and stable residences; if they do not have legal and stable residences, they can settle down in their families with direct relatives or brothers and sisters in urban areas.
4. Family:
(1) The migrant children are relaxed from minor children to unmarried children;
(2) Increase parents who live together to move with each other;
(3) Liyang City completely cancels the restrictions on settlement. First, for the two conditions of legal and stable residence (including rental) and legal and stable employment (and participating in urban social insurance), you only need to meet one of the conditions to apply for a settlement; second, the setting of payment of social insurance for one year has been cancelled; third, the setting of conditions for applying for a residence permit is cancelled; fourth, the setting of migrant children is relaxed from minors to unmarried children; fifth, parents who live together live and move together.
(4) Unmarried (divorced) children can apply to join parents with legal and stable residence in this city.
(5) After marriage with residents of this city, you must live together. If the person who is defected has a legal and stable residence in this city, you can apply to settle in this city; if the person who is defected has no legal and stable residence, the legal and stable residence of his or her household registration place belongs to his or her immediate family, you can also apply to settle in this city.
(6) Parents who have retired (or have exceeded the legal retirement age) in urban areas and who are over 50 in rural areas can apply to seek refuge with their children who have legal and stable residence in this city. If an elderly person over 80 years old voluntarily seeks to enroll in his adult children, he will not be subject to the restrictions on whether the person being enrolled has a family household registration.
(7) Minor children whose parents die can apply to join grandparents and grandparents who have legal and stable residence in this city.
(8) If an adult child whose parents both die have a legal and stable residence in this city, his grandparents and grandparents can apply to seek refuge.
Hong Kong, Macao and Taiwan, Overseas Chinese:
Hong Kong, Macao and Taiwan residents can apply to settle in this city with the approval of the entry and exit management department of the public security organs at or above the provincial level. Overseas Chinese who have been approved in accordance with the law to meet the conditions for settlement in this city can apply for settlement in this city.
