What is the latest policy for buying houses in Huadu?

Legal analysis: 1. Purchase restrictions:

(1) Quantity:

1. Guangzhou registered residents are limited to purchase 2 units;

2. Adult singles (including divorced) with household registration in Guangzhou are limited to purchase 1 house;

3. Individuals with non-Guangzhou household registration have paid personal income tax or social security for 5 consecutive years (calculated from the date of house purchase, and additional payments are not counted) , purchase limit is 1 house;

4. Non-Guangzhou registered residents are limited to purchase (including receiving gifts) 1 house in Conghua and Zengcheng Districts;

5. Overseas institutions and individuals purchase houses Implemented in accordance with current relevant policies;

(2) Transfer/gift:

1. Residents who purchase new housing from March 30, 2017 must obtain a real estate certificate for 2 years before they can transfer it Or go through the property separation procedures;

2. From March 30, 2017, new houses purchased by legal entities such as enterprises, institutions, and social organizations must obtain a real estate certificate for three years before they can be transferred;

3. If the house is donated to others, the house must be purchased again after 2 years;

4. If the house is donated, the house must comply with the current purchase restriction policy of Guangzhou City.

(3) Apartments: Starting from December 20, 2018, individual residents can purchase apartments whose land was transferred before March 30, 2017. The real estate certificate can only be transferred again after 2 years of obtaining the real estate certificate; 2017 Commercial and service real estate projects with land transfer transactions after March 30 will still be implemented in accordance with the original policy (i.e., the 330 New Deal).

2. Loan restrictions:

(1) Down payment:

1. Those who have no house or loan in Guangzhou: the minimum down payment is 30%;< /p>

2. For those who do not have a house in Guangzhou and have a loan record: the minimum down payment for commercial houses is 40%, and the minimum down payment for an apartment is 70%;

3. For those who have a house in Guangzhou but have no loan history/first home loan Those who have paid off: a minimum down payment of 50% for commercial housing;

4. Those who own a house in Guangzhou but have not paid off their first home: a minimum down payment of 70% for a commercial house;

5. Those who own a house in Guangzhou: The minimum down payment for an apartment is 70%.

(2) Differentiated housing credit policies:

1. For applicants for housing loans within one year of divorce, banking financial institutions will apply to households owning one house in Guangzhou. Implementation of housing credit policies;

2. For borrowers who are adults, unemployed, have no fixed income and whose repayment funds come from other repayers, banking financial institutions will follow the rules of household The credit policy for owning a house in Guangzhou is implemented;

3. Employees with Guangzhou registered permanent residence must have paid in full for more than one year continuously, and employees without Guangzhou registered permanent residence must have paid in full for more than two consecutive years. Apply for a housing provident fund loan.

(3) No loans for down payment: Commercial banks, small loan institutions, Internet financial institutions, trust investment companies and other financial business operators are not allowed to grant loans for the down payment of home purchases or in disguised form.

3. Commercial and service real estate projects:

1. Commercial and service projects may not be changed to residential use without approval.

2. The minimum unit building area for the planning and construction of commercial and service projects and the application for real estate certificates shall not be less than 300 square meters.

3. First-hand commercial and service properties can only be sold to legal entities for commercial and office use, and can only be sold to legal entities when transferred again.

Legal basis: "Notice of the Guangzhou Huadu District People's Government Office on the Interim Implementation Measures for Issuing the Huadu District Talent Green Card"

Article 1 refers to the "Guangzhou Municipal People's Government General Office" In accordance with the relevant provisions of the Notice on Issuing the Green Card System for Talents in Guangzhou (Suifu Bangui [2016] No. 5), this implementation method is formulated based on the actual situation of the district.

Article 2 Application Conditions.

(1) Talents who meet the conditions stipulated in Article 3 of the "Guangzhou Talent Green Card System".

(2) Those who meet the economic and social development needs of the district, start a business or work in the district for more than 6 months every year, have a legal residence in the district, and meet one of the following conditions can apply for the Guangzhou City Flower Metropolis Talent Green Card:

1. High-level talents and highly skilled talents recognized or verified by our district, including famous principals, famous teachers, outstanding medical experts and leading talents in various industries.

2. Those with a master's degree or a general higher education undergraduate degree and a bachelor's degree from the "985 Project" or "211 Project", or those with an undergraduate degree from one of the top 500 foreign first-class universities in the world and a bachelor's degree Personnel with a degree or above.

3. The annual salary income reaches more than 200,000 yuan, and the annual personal income tax payment reaches more than 10,000 yuan. The middle and senior management, key technical personnel, Hong Kong, Macao and Taiwan personnel of enterprises employed in our district and Foreign personnel (the above standards will be adjusted appropriately according to changes in the per capita salary level in Guangzhou).

4. Personnel with a college degree or above and more than 6 months of experience in relevant fields in our district who hold middle and senior management positions or technical backbone positions.

5. Talents that meet the needs of the economic and social development of our region and have been identified by relevant departments as having certain special skills or professional shortages, as well as entrepreneurial and innovative talents.

(3) Excellent and urgently needed talents from enterprises that are being introduced or have just settled down, recognized by the district government.