202 1 what are the requirements for buying a house in Shenzhen? 202 1 what is the interest rate of the first home loan in Shenzhen?
202 1 what are the requirements for buying a house in Shenzhen?
202 1 The conditions for purchasing houses for Shenzhen hukou and non-Shenzhen hukou are as follows:
1, Shenhu
Deep households and adult single (including divorced) families must have settled in this city for 3 years, and can provide proof that they have paid personal income tax or social insurance in this city for 36 months or more before the date of purchase, before they can buy commercial housing.
2. Non-deep households
Non-deep households and adult singles (including divorced) continue to buy commercial housing in accordance with the provisions of the city for five years or more of personal income tax or social insurance certificate before the date of providing proof of purchase.
3. Divorce between husband and wife
If the husband and wife divorce, within 3 years from the date of divorce, if either party purchases commercial housing, the number of houses it owns shall be calculated according to the total number of families before divorce.
According to the relevant provisions of the People's Bank of China, we hereby put forward the following requirements on the differentiated housing credit policy agreed by the self-discipline mechanism of Shenzhen market interest rate pricing:
(1) If the purchaser's family name has no housing in this city and there is no record of commercial housing loan or provident fund housing loan, the policy of minimum down payment ratio of 30% will continue to be implemented;
(2) If there is no housing in this city under the name of the purchaser's family but there is a record of commercial housing loan or provident fund housing loan, the down payment ratio for purchasing ordinary housing shall be no less than 50%, and the down payment ratio for purchasing non-ordinary housing shall be no less than 60%;
(3) If the purchaser owns 1 apartment in this city under the family name, the down payment ratio for purchasing ordinary housing loans shall be no less than 70%, and the down payment ratio for purchasing non-ordinary housing loans shall be no less than 80%.
Husband and wife divorced, and the qualification to buy a house was chased for 3 years to calculate the number of sets;
Down payment ratio: 30% down payment without housing or loan. 50% down payment for ordinary housing, and 60% down payment for non-ordinary housing without housing and loan records. Families with 1 set purchase 70% down payment for ordinary housing and 80% down payment for non-ordinary housing;
The transfer of value-added tax shall be exempted for 2 to 5 years;
Luxury house line: the total price is above 7.5 million, the floor area ratio is below 1.0 (inclusive), the interior area is above 120 (inclusive) or the building area is above 144 (inclusive);
Priority should be given to those who have no room, a tax and a long social security period.
What conditions do foreigners need to buy a house in Shenzhen?
1, Shenzhen household registration can buy two self-occupied properties in Shenzhen; Non-deep households are required to pay social security of 1 year or more, and can buy a self-occupied property;
2. Families of Hong Kong, Macao and Taiwan residents can buy a self-occupied property in Shenzhen;
3. Those who are not registered in this city and can provide proof of continuous payment of personal income tax or social insurance in this city for more than half a year before the date of purchase are allowed to purchase new commercial housing 1 set.
4. Suspend the sale of newly-built commercial housing to non-local registered households who own 1 apartment and cannot provide personal income tax certificates or social insurance certificates for more than two consecutive years in this city within two years before the date of purchase.
5. For non-local households with 2 or more houses, the sales of new commercial housing will be suspended.
6. Families who are not registered in this city and provide proof of personal income tax or social insurance shall not buy new commercial housing.
202 1 what is the interest rate of the first home loan in Shenzhen?
202 1, the interest rate of the first home loan of Shenzhen Branch of the four major banks of industry, agriculture, China and Shanghai Communications was raised 15 BP to 5. 10%(LPR+45BP), and among the stock banks, Shenzhen Branch of China Merchants Bank has also been raised; The Postal Savings Bank and Minsheng Bank Shenzhen Branch are temporarily "not moving".
CITIC and Guangfa respectively raised the interest rates of the first and second home loans in Shenzhen by 10% and 15%, and now they are lowered to 8% and 12% respectively.
On March 5th, it was reported that the Postal Savings Bank had made it clear that the interest rate of the first home loan had dropped to 7% of the benchmark interest rate, and that of the second home loan had dropped to 1 1%.
On March 7, Shenzhen media reported that Bank of Communications lowered the interest rate of the first home loan from the previous benchmark 10% to 5%. Previously, Shenzhen Branch of Postal Savings Bank lowered the interest rate of the first home loan to "benchmark floating 7%", which was the lowest among the six state-owned banks, but it was refreshed by Bank of Communications only one day later.
The increase in mortgage interest rate means that the cost of buying a house will rise, the difficulty of buying a house will increase, and the property market will cool down. The increase in mortgage interest rate is not good news for people who are about to buy a house, because the increase in mortgage interest rate means that buyers need to pay more interest.
The increase of mortgage interest rate will directly push up the capital cost of buyers, and then affect the transaction volume of the property market. However, the increase in mortgage interest rate is not all bad news for those who are about to buy a house, because the increase in mortgage interest rate will lead to a decline in transaction volume, so in this context, house prices naturally lose the motivation to continue to rise.
The above is the related content of "202 1 What are the requirements for buying a house in Shenzhen" compiled by Bian Xiao.