For a house of 100 square meter in Changsha, the down payment is generally 300,000 yuan, but it is necessary. If the buyers of commercial office buildings apply for provident fund loans, the down payment is only 200,000 yuan, if necessary. According to the policy of buying a house, lending and demanding, the down payment of commercial banks in Changsha is not less than 30% of the total price, and the down payment of provident fund is not low. But if you are a local resident of Changsha, you can live here for two years without paying social security. Conditions for buying a house: For non-Changsha residents, they can buy a house locally with their personal income tax or insurance certificate paid in Changsha for two consecutive years, but they are not allowed to buy a house locally.
For new immigrants who have settled in Changsha, whether it is the "zero threshold" policy of 22 talents in Changsha or buying a house in Changsha by other means, they can have no hukou in Changsha after September 23.
Holders of the city's household registration, who obtained the household registration certificate of the city or collective residents after September 23, 2065438+2007, and who have no housing in the local area, can also buy a set of commercial housing. Urban hukou, who owns a house locally, must buy another house within three years after the first house has obtained the real estate license.
If you don't have a hukou in Changsha, you must pay social security or personal income tax in Changsha for more than 24 months before you can buy a house locally.
The purchase procedure in Changsha is relatively standardized. First of all, we should do a good job in the appraisal of houses. If you choose a house, you have to be admitted. The current situation is to pay a certain deposit first, and then draw lots. Secondly, it should be determined according to the area and area of the house. Shake out a house first, and then choose the specific floor and apartment type. Third, go through the procedure. Be sure to complete the online signing, sign a formal contract, pay the down payment on time, and apply for a housing loan. Finally, I checked in. After the house is completed, the owner shall go through the relevant acceptance procedures and complete the house sale after the house is qualified.