Hangzhou new mortgage policy 202 1

1.20 17 From March 29th, sales of newly-built commercial housing and second-hand housing to households with registered residence in this city and households without registered residence in this city who own 1 suite will be suspended within the urban area.

2. Non-registered residents in this city are required to provide personal income tax or social security certificates for two consecutive years in this city within the first three years from the date of purchase.

3. Adult single (including divorced) residents in this city are restricted to purchase 1 apartment (including new commercial housing and second-hand housing) in the restricted area.

4. Families who have settled in this city for less than 5 years are restricted to purchase 1 house within the scope of purchase restriction in this city.

5. Parents who rely on adult children to settle down in this city must be over three years before they can buy new commercial housing and second-hand housing as independent families in this city.

6. If the house within the scope of purchase restriction in this Municipality is donated to others, the donor must be at least three years old before purchasing the house within the scope of purchase restriction; The recipient family must comply with the city's housing purchase restriction policy (excluding bequests).

7. Households whose household registration has moved from other places to Tonglu, Jiande, Lin 'an and Chun 'an counties (cities) can only buy houses in the restricted purchase area of Hangzhou after two years from the date of household registration, which shall be implemented in accordance with the city's restricted purchase policy.

From June 27, 8.20 18, the sale of houses to enterprises and institutions will be suspended.

Scope of purchase restriction in Hangzhou

Including Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District, Hangzhou High-tech Development Zone (Binjiang), Hangzhou Economic and Technological Development Zone, Hangzhou Zhijiang National Tourism Resort, Xiaoshan District, Yuhang District, Fuyang District and Dajiangdong Industrial Cluster.

Hangzhou loan restriction policy

Supplementary explanation:

1. Within the urban area, the second-home loan credit policy will be implemented for households that already own/kloc-0 houses or have no houses but have housing loan records, and the down payment for provident fund and commercial loans will be no less than 60%. The interest rate of provident fund loans shall be implemented according to the benchmark interest rate of housing provident fund loans in the same period 1. 1 times.

2. The maximum amount of housing provident fund loans in Hangzhou is 6.5438+0 million yuan, of which the maximum amount for individuals to apply for provident fund loans is 500,000 yuan, and the maximum amount for both husband and wife to deposit provident fund and apply for loans is 6.5438+0 million yuan.

3. Strictly review the source of funds for down payment of personal housing loans, and prohibit all kinds of "leveraged" financial products from being used for down payment of house purchases.

New house lottery policy

1, 201From April 4, 8, Hangzhou implemented the method of notarization and lottery to sell new commercial houses;

2. Incline to high-level talented families without housing and families without housing.

_ "Houseless family" identification: there is no self-owned housing within the scope of purchase restriction in our city; Households (Lin 'an District, Tonglu County, jiande city County, Chun 'an County) whose household registration location belongs to the non-restricted scope of our city must also have no self-owned housing in their household registration location, and have paid urban social insurance or personal income tax 12 months continuously within the restricted scope of our city since one year before the date of intention registration;

Buyers who are unmarried and single over 30 years old and have no self-owned housing records within the scope of this Municipality's purchase restriction and buyers who have been divorced and single for 3 years and have no self-owned housing records within the scope of this Municipality's purchase restriction; After 2065438+April 4, 2008, if the houses within the scope of the city's purchase restriction are transferred, and there is no record of their own houses within the scope of the city's purchase restriction for three years, they can be identified as families without houses.

_ High-level talents who are inclined by families without housing: the recognized talents of B, C, D and E and the qualified talents of the corresponding level will buy the first house in Hangzhou and give priority to the supply at a ratio of no more than 20%. . 202 1, 1, 27 If a high-level talent transfers a house within the scope of the city's purchase restriction, he must have no record of owning a house within the scope of the city's purchase restriction for three years before he can enjoy the priority of buying a house.

3. From July 2, 2020, the newly-built commodity housing project will be publicly sold by notarization and lottery. From the date of project intention registration to the date of announcement of the lottery results, the purchase family shall not participate in the intention registration of other projects; For newly-built commercial housing projects that do not need to be publicly sold through notarization and lottery, families who purchase houses shall not participate in the registration of purchase intentions of other projects from the date of project intention registration to the date of announcement of intention registration results.

4. If the house selection and purchase are abandoned twice after the house selection, the real estate development enterprise will no longer accept the registration of its intention to purchase within 3 months from the date of giving up the house selection and purchase; For families who have given up house selection and house purchase for more than three times (inclusive) after winning the bid, all real estate development enterprises will no longer accept the registration of their intention to purchase houses within 6 months from the date of giving up house selection and house purchase.

Hangzhou sales restriction policy

From 1, 202 1, 1 year1October 27th, the hot commodity houses (including high-level talented families without houses and families without houses) will be given priority, and may not be transferred within 5 years from the date of obtaining the real estate license.

From 2.202 1 1 27, if the winning rate of public sales of newly-built commodity housing projects is less than or equal to 10%, it shall not be transferred within 5 years from the date of obtaining the real estate certificate.

tax policy

1. The deed tax can only be paid if the newly-built commercial house is purchased within the city.

2. The VAT exemption period for individual housing transfer is 5 years.