The latest policy of Xiamen house purchasing qualification 2022
At present, the policy of buying a house in Xiamen is: according to different groups, the purchase restriction is implemented to varying degrees.
In February, 2020, Xiamen Housing Security and Housing Management Bureau and other five departments issued the Notice on Further Solving the Talent Housing Problem. In order to promote the concentration of industries and talents in new urban areas, promote the balance between occupation and housing, and support the demand for self-occupied housing, they should have a bachelor's degree or above, obtain intermediate and above professional titles (including corresponding professional and technical professional qualifications), or one of the qualifications of senior workers or above. Non-local registered talents who have been stably employed in this city for more than 1 year and have no housing can purchase 1 set of self-occupied commercial housing in Haicang District, jimei district, Tong 'an District and Xiang 'an District by signing labor contracts with enterprises and institutions in this city for more than 3 years. Newly-purchased commercial housing can be listed and traded only after obtaining the title certificate for 2 years.
1 & gt； Restrict purchase
20 16, 16 From June 5, Xiamen further strictly implemented the housing purchase restriction policy, and implemented the purchase restriction policy for commercial housing with a construction area of 180 square meters or less in the administrative area.
2> quantitative sales
Newly purchased houses need to be listed and traded for 2 years after obtaining the property right certificate.
On the basis of continuing to implement the existing purchase restriction policy, those who participate in the bidding of "legally auctioning houses" shall determine their qualifications for buying houses in this city in advance. Newly purchased first-hand houses on the island can only be listed and traded after obtaining the property right certificate for 5 years. /kloc-implemented from September 0/8.
At the same time, according to the latest sales restriction policy of 9. 18, there are several points to be noted:
1. Those who explicitly participate in the bidding for "legally auctioning houses" shall confirm in advance that they are qualified to purchase houses in this city, so as to prevent circumvention of the purchase restriction policy and plug policy loopholes through "legally auctioning houses".
2. Newly purchased first-hand houses on the island can only be listed and traded after obtaining the property right certificate for 5 years.
3. Adjust the minimum down payment ratio and the minimum loan interest rate in a timely and appropriate manner according to changes in the market situation.
4. Commercial and residential land shall be sold comprehensively by means of housing price limit, land price limit, fixed allocation and construction, fixed quality and lottery.
From September 2002 19 10 (including September19), the houses that newly submit the online sign of the commercial housing sales contract and the announcement of the newly issued law shall be implemented according to the requirements of this notice.
NO:2 Commercial loan policy
At present, Xiamen implements the policy of "recognizing both houses and loans", and the mortgage interest rate is calculated according to the method of "benchmark interest rate +BP".
The new calculation method of loan interest rate is: LPR interest rate is 5 years and above+plus points.
Among them, the 5-year LPR interest rate is released by the central bank on the 20th of each month and adjusted once a month, whichever is the latest, and the base is determined by the local authorities. The mortgage interest rate in Xiamen is calculated by "benchmark interest rate +BP".
1 October 20th, 65438 The latest LPR was released:1year was 3.7%, down from last month's 3.8% 10 basis point, and 5 basis points down from 4.6% in five years.
Therefore, according to the latest LPR quotation, the lowest interest rate for the first home loan in Xiamen is 4.9%(LPR+30bp) and the lowest interest rate for the second home loan is 5.4%(LPR+80bp).
NO:3 provident fund deposit and loan policy
For those who just need it, provident fund loans are one of the important ways to buy a house. Then, what are the conditions of provident fund loans currently implemented in Xiamen? What is the maximum loan amount?
1 & gt； loan limit
From July 1, the upper and lower limits of the deposit base of Xiamen housing provident fund have been adjusted.
The deposit base is the average monthly salary of employees in the previous year, not higher than 263 17 yuan and not lower than 1800 yuan; The upper limit of monthly deposit is 63 16 yuan and the lower limit is 180 yuan. Implemented from July 1 day, 202 1.
In May, Xiamen's policy of partial withdrawal of housing provident fund loans was adjusted.
The maximum loan amount for the first application for housing provident fund = 1.2 million yuan × liquidity adjustment coefficient, and the maximum loan amount for the second application for housing provident fund = 600,000 yuan × liquidity adjustment coefficient.
The liquidity adjustment coefficient refers to the adjustment parameter of the provident fund loan amount formulated according to the different situations of the housing provident fund's ability to meet the needs of paid employees. The use interval corresponding to the liquidity adjustment coefficient is:
① Excess liquidity (loan utilization rate)
② Normal liquidity (60%≤ loan utilization rate)
③ Insufficient liquidity (85% or less loan utilization rate)
④ When liquidity is tight (loan utilization rate ≥90%), the coefficient is 0.6.
At present, the flow coefficient of Xiamen provident fund is 0.6, which means that the maximum loan amount for the first application for housing provident fund is 720,000 yuan, and the maximum loan amount for the second application for housing provident fund is 360,000 yuan.
The execution time of the loan policy is from May, 20021year to May, 20021July, and the execution time shall be based on the time when newly-built commercial houses are submitted for registration and filing of commercial housing sales contracts or the time when second-hand houses are received at the real estate registration center.
2> terms of letter of credit
The core requirement of the loan is that the housing provident fund should be paid in full for 12 months before applying for the loan, and it is in the state of payment when applying for the loan. And personal credit is good.
Within the first two years from the date of applying for a loan, the maximum overdue times of personal loans shall not exceed 3 times (inclusive), and the cumulative overdue times shall not exceed 6 times (inclusive), excluding overdue due to reasons other than the borrower.
NO:4 Housing purchase process and tax strategy
1 & gt； Purchase process
1. Choosing a house delineates the intended real estate according to your own purchase intention, and goes to the marketing center to see the house and inspect the real estate on the spot.
2. Housing Subscription After understanding the project, we will subscribe for the house, pay the deposit and sign the subscription agreement.
3. Sign the contract and bring your ID card/household registration book/marriage certificate (single certificate) of both husband and wife to the marketing center. Sign the contract first and then pay the down payment according to the online signing process.
4. If it is necessary to apply for a loan, you should go to the bank with the purchase contract/down payment invoice/identity document/household registration book/marriage certificate (single certificate)/income certificate of both husband and wife and sign a loan agreement with the bank.
5. The delivery owner patiently waits for the developer's delivery notice, and takes the purchase contract/purchase invoice/ID card and other documents to the delivery place notified by the developer to collect the house.
6. Handling Property Ownership Certificate Within the time stipulated in the contract, the buyer needs to cooperate with the developer to go to the house registration management office, complete the tax payment and handle the Property Ownership Certificate.
2> Tax and fee strategy
Many people know that buying a house requires a down payment, but they may not know much about other expenses of buying a house. Let's take a look at the cost of buying a new house or a second-hand house!
The taxes and fees paid for buying a new house and a second-hand house are different.
△ new house:
1, deed tax
For the first or second suite, the housing area is ≤90 square meters, and the deed tax is 1%.
The area of the first suite is more than 90 square meters, and the deed tax is 1.5%.
The housing area of the second suite is more than 90 square meters, and the deed tax is 2%.
Note: The deed tax of new house is calculated according to the transaction price of the house, that is, the transaction price is multiplied by the corresponding deed tax ratio.
2. Other expenses
Certificate registration fee 80 yuan/set, non-residential 550 yuan/set.
△ Second-hand house:
1, deed tax
For the first or second suite, the housing area is ≤90 square meters, and the deed tax is 1%.
The area of the first suite is more than 90 square meters, and the deed tax is 1.5%.
The housing area of the second suite is more than 90 square meters, and the deed tax is 2%.
2. Value-added tax and additional tax
Buying a second-hand house requires paying VAT. The rate of value-added tax and its additional tax is 5.3%, which can be exempted from value-added tax after two years. Two years later means that the real estate license or deed tax payment certificate is calculated from the date of issuance to the date of sale of the house, and the time is two years or more. Value-added tax and its additional calculation formula: taxable value of the house (1+0.05) × 5.3%.
3. Agency fee
In the process of second-hand housing transaction, the intermediary provides services for the buyer, so a certain service fee is charged.
4. Personal income tax
Generally, 65438+ 0.5% of the house price is levied, and the only house that is over five years old or meets the relevant conditions is also tax-free. When the house is the seller's only house, and the real estate license has been completed for five years, and the seller has no residential transaction record in the past five years, it can be exempted from tax.
5.stamp duty
The house is tax-free.
6. Others
Certificate registration fee, residential 80 yuan/set, non-residential 550 yuan/set.
Remarks: In the actual transaction, most of the taxes and fees are borne by the buyer, and some sellers are willing to bear the taxes and fees when the market is relatively cold.
No.5: Latest settlement policy
People who come to Xiamen to work hard will be concerned about the problem-how to get a "Xiamen hukou"? After all, hukou is related to education, medical care and other issues; What conditions must be met to settle down?
What needs to be popularized now is "the main way for 17 to settle in Xiamen".
1, skills settled down
From July 6, 2020, senior skills need social security for more than 1 year, and intermediate workers need 2 years to settle down, and there is no self-owned property in this city. The public security department will automatically allocate places through the computer and randomly allocate them to collective households outside the island on average.
2. Migrant workers settled down.
① Migrant workers have held residence permits in our city for five consecutive years.
(2) Go through the employment registration formalities in our city and participate in social endowment insurance in our city for five consecutive years.
(3) In this city, you can move your household registration into our city if you have the land and house ownership certificate of Xiamen (the house is for residence, and the ownership share is not less than 5 1%).
Note: Children's shelters have limited time. You need to rely on your parents to settle in Xiamen according to the minor children mentioned below.
3. Graduates settle down.
Fresh college graduates
(1) Those who are employed and start businesses in our city can settle down in our city.
(2) Graduates with college degree or above who are employed in our city (generally requiring 3 months of social security) will be transferred to our city by the employing unit according to the process of receiving graduates.
Therefore, if you settle down in our city in the way of receiving graduates, the premise is to implement the employment unit, and the employment unit will go through the corresponding procedures.
Previous college graduates
Previous college graduates who meet the following employment conditions in Xiamen can settle in this city:
① Undergraduate graduates under the age of 45 who are legally and stably employed in Xiamen;
② Graduates who have paid social endowment insurance in Xiamen 1 year and are under the age of 35, among whom those who have settled in Siming District and Huli District should pay social endowment insurance in Siming District and Huli District for 3 years.
(3) When applying to settle in our city, college graduates should show the electronic registration record form of academic credentials of the Ministry of Education issued by China Higher Education Student Information Network (Xuexin.com,/) or the certification report of China higher education issued by the education department, or show the Xuexin.com "online verification code" or "Xue Xin QR code" within the validation period.
Note: If the application procedure is not completed, the file is still a "student" and can be changed to a graduate. The graduation place is not limited, and other provinces can also. There is no limit to real estate, and those without real estate can settle in collective households. Children take refuge in a limited time. Bachelor degree or above does not limit the time for children to take refuge.
4. The key employees of "Three High" enterprises settled down.
According to Article 15 of the Opinions on Implementing the Multiplication Plan for High-tech, High-growth and High Value-added Enterprises (19):
All kinds of talents who are employed in the "three high" enterprises and whose annual salary reaches 1.5 times of the average social wage (subject to the income declared by individual tax on wages and salaries), who have served in the enterprise for one year and paid social endowment insurance on time, and continue to sign labor contracts with the enterprise, can go through the settlement formalities at the place where the enterprise is a legal person.
Remarks: Social wages refer to the social wages of the previous year.
5. Educated youth and their children come to Xiamen.
(1) Educated youth in this city who are retired, resigned, laid off or unemployed may move their spouses and minor children's accounts back to this city;
(2) Educated youth who have reached the age of 60 for men and 55 for women and have no children in this city can apply for 1 adult children, their spouses and minor children to move with them when applying for returning to this city;
(3) The educated youth who live temporarily outside Xiamen and whose children's household registration is not in this city can choose their 1 children to go back to this city to take refuge with their close relatives (referring to the parents, brothers and sisters of the educated youth) and move their household registration into this city.
6. International students settle down
(1) Overseas students and overseas talents who come to start a business or work in this city.
② I, my spouse and minor children have not obtained foreign nationality or foreign permanent residency.
Note: I, my spouse and minor children who meet the above conditions can move into this city.
7. Xiamen government personnel settled down.
(1) No more than 10 people have moved into their registered permanent residence from government departments of all provinces, autonomous regions and municipalities directly under the Central Government; The number of people's government agencies in and outside the province who have moved into their accounts is no more than 7. No more than 7 people will move into the registered permanent residence of the offices established in this city by enterprises and institutions affiliated to the central government, domestic large and medium-sized enterprises and institutions and institutions at or above the division level.
(2) If the office specified in the preceding paragraph has been established 10 years or more and is operating normally, the number of people moving into the account shall be appropriately increased, but the increase shall not exceed the number of people moving into the corresponding account specified in the preceding paragraph.