In 222, Hefei's latest policies such as buying a house, restricting purchases, taxes and fees, and school districts were summarized!

In recent years, the regulations on the purchase restriction have changed frequently, and Hefei has also made many adjustments to the purchase restriction policy in May. Today, the monitor of the class has compiled a list of housing purchase instructions for everyone, such as policies on purchase restriction, sales restriction, school district and housing subsidy, so as to provide some reference for everyone to buy a house!

purchase restriction policy

On May 1th, the purchase restriction was adjusted in Hefei, and the purchase restriction was cancelled in Yaohai District, Xinzhan District and Xinqiao Industrial Park in Economic Development Zone, so the latest purchase restriction policy is as follows:

Hefei household registration (check the number of rooms in the urban area):

1. Yaohai District, Xinzhan District and Xinqiao Industrial Park in Economic Development Zone are not limited to purchase, but are included in the number of rooms in the urban area after purchase;

2. In the restricted purchase area, before May 1th, you can buy two new houses or second-hand houses in the registered permanent residence of Hefei City in the restricted purchase area and the secondary purchase area, and you can buy second-hand houses in full in the non-secondary purchase area without limiting the number of sets;

After May 1th, you can buy two new houses in the restricted purchase area, a third second-hand house in the secondary restricted purchase area, and a second-hand house in full in the non-secondary restricted purchase area without any restrictions on the number of houses.

The second restricted purchase area here refers to the restricted purchase area designated after the New Deal in April last year, mainly including government affairs, lakeside, hi-tech and some designated school districts. At present, the school district in Yaohai District has lifted the purchase restriction, and other areas have not changed.

Non-local hukou (check the number of housing units in the urban area):

1. The Xinqiao Industrial Park in Yaohai District, Xinzhan District and Economic Development Zone is not limited to purchase, and social security is not required. You can purchase directly, but the purchase is included in the number of housing units in the urban area;

2. When buying a house in the restricted area, the original social security for non-Hefei household registration needs to be paid for 12 months in a row in the past two years. At present, it has been changed to a new house or a second-hand house with a cumulative payment of 6 months, and the social security can be withheld but cannot be paid back; Four counties and one city (Feidong, Feixi, Changfeng, Lujiang and Chaohu) can apply for a set of household registration;

3. Talent settlement: talent applications from key enterprises can be divided into high-level talents and college graduates, which need to be applied by themselves and approved by our company;

Just need:

1. Comply with Hefei housing purchase restriction policy;

2. The purchaser and his/her family members have no self-owned housing within the urban area of this Municipality, and there is no housing transfer record before the date of registration;

3. Have a personal income tax or social insurance certificate that has been paid continuously for more than 2 years in the urban area within 3 years before the date of registration for buying a house. The social security insurance place is Hefei city, excluding four counties and one city. The provincial social security needs to provide proof of the company's stamped work place;

4. The registered purchaser is under 35 years old (subject to the age recorded in the ID card) and under 36 years old on the date of registration;

Job-residence balance (at present, only high-tech zones have this policy):

1. You need to work in these units with industrial and commercial tax relations in high-tech zones, such as integrated circuits, new display, artificial intelligence, network and information security, automobiles and intelligent networked automobiles, home appliances and smart homes, high-end equipment manufacturing, energy conservation and environmental protection, photovoltaics and new energy, biomedicine and health, new materials, creative cultural industries and innovative scientific and technological research and development institutions;

2. Meet the purchase restriction conditions in Hefei;

3. Have worked in the above-mentioned key industrial units, paid social security in the high-tech zone for one year continuously, and have a bachelor's degree or above;

4. Both husband and wife and minor children have no own houses in the High-tech Zone;

sales restriction policy

the new house purchased by notarization lottery is not allowed to be listed and traded within 3 years from the date of obtaining the title certificate of immovable property, which means that it takes more than 5-6 years for the house bought by notarization lottery to be sold. If you want to buy a house with high leverage, you need to consider whether your cash flow can last so long.

Other second-hand houses and new houses that don't need notarization are not limited for sale.

loan restriction policy

What needs attention here is the adjustment of the purchase restriction policy, but the loan restriction policy has not been adjusted at present, so if there are two or more sets in the urban area, the full amount is required. Moreover, the purchase restriction is to check the number of housing units in Hefei, and the loan restriction is to check the national mortgage records. The minimum down payment for the first suite is 3%. Once the loan record has been settled, the minimum 4% has been settled and the minimum 5% has not been settled.

at present, many banks have adjusted their interest rates to 5.18% for customers only, and 5.28% for non-customers only. If there are outstanding housing loans, the interest rate of the second suite will be at least 5.77%, and then it will continue to be lowered in a high probability.

(PS: The above information is for reference. The down payment ratio and discount offered by different banks are related to the lender's own conditions and credit status. Please consult the lending banks for details. )

House purchase tax

The deed tax for new houses is based on the family, accounting for 1.5% of the total house price for the first set of houses with a floor area of 9 square meters or more; Two sets of more than 9 square meters, 2% of the total house price; 1% of the total house price for the first and second sets of 9 flat and below; Three or more sets, 3% of the total house price.

The maintenance fund refers to the property above the 7th floor and the property with elevator below the 7th floor: 11 yuan/Ping, and the property below the 7th floor in 8 yuan/Ping;

Personal income tax on second-hand houses is charged at 1% of taxable value or 2% of the difference; If the property right certificate is the only house in the family for 5 years, it will be exempted from tax, and if it is less than 2 years, it will need to pay VAT.

Subsidy for house purchase

To meet the needs of talents' housing, talents from key industrial enterprises in Hefei can buy the first self-occupied housing within the urban area, and high-level talents can enjoy the household registration policy of this city. High-level talents of key industrial enterprises who purchase self-occupied housing for the first time in Hefei can be given housing subsidies according to the standards of 6, yuan, 4, yuan, 2, yuan and 1, yuan respectively, and the maximum amount of housing provident fund loan application is relaxed to twice the current limit.

who can enjoy the housing subsidy of 6, yuan, 4, yuan, 2, yuan or 1, yuan?

according to the classified catalogue of high-level talents in Hefei, those who are identified as high-level talents in categories B, C, D and E can enjoy the housing subsidy of 6, yuan, 4, yuan, 2, yuan and 1, yuan respectively. Class A talents "discuss one thing and one discussion".

school district policy

1. The enrollment of compulsory education in urban areas is subject to "two consistences" (the household registration of school-age children and adolescents is consistent with that of their parents or other legal guardians, and separate accounts are established; The household registration address of school-age children and adolescents is consistent with the address of the independent property of their parents or other legal guardians. Eligible school-age children and adolescents are enrolled in the school district where the household registration is located.

2. The policy of "two-oriented" enrollment for migrant children is implemented by the inflow government and public schools. Children who move with them must register at the designated place of the education department of the county (city) district where the residence permit is located within the specified time, and provide their parents or other legal guardians with the residence permit in our city (the residence permit has expired for one year as of August 31st), the business license of the business enterprise or the legal labor contract, and the household registration book, identity card and other materials.

3. Degree system: On the basis of implementing the current compulsory education enrollment policy in our city, the same set of housing will be implemented from the time of new enrollment in 221, and only one degree can be enjoyed in the primary school in the school district within six years, and only one degree can be enjoyed in the junior high school in the school district within three years, except for multiple births and two children who meet the requirements of laws and regulations.

new house sales policy

Hefei city implements the policy of "public sale of commodity houses by notarization and lottery". The specific process is as follows: the buildings to be launched, the number of apartments, the time of starting registration and the time of ending registration are publicized first, and the buyers can log in and register according to the publicized link after starting registration.

The next step is to see if the number of registered real estate people reaches 1.5, such as the qualification lottery, the sorting lottery and the final house selection. Not up to the proportion of independent sales by developers, but priority sales to registered buyers.

new house price limit policy

there is a price limit for new houses in Hefei, but the price limit refers to the filing price of rough, and there is no uniform standard for fine decoration. Some properties recently put on record have fine decoration ranging from 2 to 35, plus 5-8 prefabricated rewards.

There are upgrade packages for other properties that don't need lottery, that is, they are upgraded on the basis of the original fine decoration. At present, they range from 1,5 to 2,3 yuan, and this part of the upgrade fee is not included in the filing price and needs to be paid separately.

Therefore, the actual price of a house bought by a property buyer should be about 2,5 to 5, yuan on the blank.

provident fund policy

individuals can borrow up to 45, yuan, and couples can borrow up to 55, yuan, and the service life is increased to 3 years.

Major changes in Hefei's provident fund: From December 1st, flexible employees in Hefei can deposit housing provident fund in their own names and enjoy preferential loan policies. The monthly deposit base refers to the social insurance deposit base, which is declared by individuals and can be adjusted once a year according to regulations; The deposit ratio is 5% to 12%. Monthly deposit amount = (deposit base × deposit proportion) (rounded to the nearest yuan) ×2.

policies for purchasing houses in four counties and one city in Hefei

The above are the latest policies for restricting purchases and loans in Hefei, and provide some reference for you!

article source: monitor of Hefei, who has been focusing on Hefei property market for ten years, hand-painted the purchase maps of dozens of regions and plates in Hefei and thousands of original articles, and devoted himself to the statistics of Hefei property market, and has a very good understanding of the real estate policy, market trends, house price changes and real estate trends of the property market.