2. The buyer has no other real estate in Shenzhen, which is the first time to buy a house. If the buyer is married, then both husband and wife must have no real estate in Shenzhen to be eligible to buy a house in Shenzhen.
3. Buyers can show relevant identification, such as ID card, household registration book, marriage certificate, etc.
4. Property buyers should have a valid temporary residence permit in Shenzhen.
5. If the buyers borrow money to buy a house in other cities outside Shenzhen, and meet the conditions for foreigners to buy a house in Shenzhen, if they borrow again to buy a house in Shenzhen, the down payment of the house should be above 60%, and the loan interest rate will rise by 10%.
6. If the property buyers are registered residents in Shenzhen, they can own no more than two houses under the family name. If it is a family with a foreign hukou, you can only own a house under your name.
Provisions of Shenzhen Municipality on Housing Loans
1. Houses purchased by registered households in Shenzhen:
1, Shenhu has no house, no mortgage record, 30% down payment, interest rate.
2. Deep-seated families have no housing and mortgage records (including off-site loans, which have been settled), and the down payment is 50%, with interest rate.
3. Deep-seated families have no housing and mortgage records (including 1 off-site loans), with a down payment of 50% and interest rate.
4. Deep households have no housing, and there are two or more unsettled off-site mortgage records, and loans are prohibited.
5. Shenhu 1 Shenzhen real estate, with mortgage record (including off-site loans, which have been settled), with 70% down payment and interest rate.
6. Shenhu owns 1 Shenzhen real estate, and has mortgage records (including loans outstanding in different places 1), with a down payment of 70% and interest rate times.
Remarks: The interest rate is subject to the actual situation of the bank.
2. Non-deep households (social security or tax payment for 5 consecutive years):
1. Non-deep households/individuals have no housing, no mortgage record, 30% down payment, interest rate.
2. Non-deep households/individuals have no housing and mortgage records (including off-site loans, which have been settled), and the down payment is 50%, with interest rate.
3. Non-deep households/individuals have no housing and mortgage records (including outstanding loans in different places 1), and the down payment is 50%, with interest rate times.
4. Non-deep households/individuals have no housing, and two or more off-site mortgage records have not been settled, so loans are prohibited.
Remarks: The interest rate is subject to the actual situation of the bank.
New rules for buying a house in Shenzhen
1. Only those who have lived in the household for 3 years and have social security for 3 years are eligible to buy a house. Non-deep households need social security for 5 years;
In other words, deep households and adult single (including divorced) families must have settled in this city for three 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.
Non-deep households and adult singles (including divorced) continue to buy commercial housing in accordance with the provisions of the city on continuous payment of personal income tax or social insurance certificate for 5 years or more before the date of providing proof of purchase.
2, the couple divorced, and the qualification for buying a house was chased for 3 years to calculate the number of sets;
3. 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 have 1 set to buy ordinary houses, with 70% down payment and 80% non-ordinary houses;
4, the transfer of value-added tax shall be exempted from 2 to 5 years;
5. The luxury line has increased the limit of 7.5 million yuan;
6, the new house shake number should give priority to no room, a tax or a long social security period.