I. Chongqing Purchase Restriction Policy 20 19 Detailed Rules
In 20 19, Chongqing did not implement the housing purchase restriction policy, and foreigners can buy houses just like locals. It is worth noting that although buying a house in Chongqing is not limited, it is limited to sale.
Sales restriction rules:
Relevant policies have made it clear that newly-built commercial housing and second-hand housing purchased within the nine districts of the main city (Yuzhong District, Jiangbei District, Shapingba District, Jiulongpo District, dadukou district, Nan 'an District, Beibei District, Yubei District, Banan District and Liangjiang New District) can only be listed and traded after two years.
The identification time of newly purchased commercial housing is based on the online signing time of commercial housing sales contract, and the identification time of newly purchased second-hand housing is based on the time of obtaining the Notice of Acceptance of Property Registration.
The policy was introduced to seriously implement the positioning that "houses are for living, not for speculation", further curb real estate speculation and promote the stable and healthy development of Chongqing real estate market.
20 19, basic principles of Chongqing's new housing policy:
1, there is no difference between foreigners buying a house in Chongqing and Chongqing locals buying a house, and social security and tax payment certificates are not needed;
2. The interest rate discount for the first suite can be applied for different discounts according to personal credit information. For some projects, the down payment for the first suite needs 30%, the interest rate can be applied for 10% discount, the down payment for the second suite is 40%, and the interest rate is raised by 10%.
3. The benchmark interest rate for commercial loans is 4.9%, and the benchmark interest rate for provident fund loans is 3.25%.
II. 20 19 Chongqing Provident Fund Loan New Policy
1, adjust the basic loan policy
Employees who have paid the housing provident fund in full and on time 12 months (inclusive) or more can apply for housing provident fund loans if they are adjusted to 6 months (inclusive) or more; If the housing provident fund has been paid in different places and has been paid continuously in Chongqing for less than 6 months (inclusive), the payment time can be calculated according to the payment certificate issued by the original housing provident fund management center. Support paid workers' families to buy the first or second set of improved ordinary housing, and may not issue housing provident fund loans to paid workers' families who buy the third and above houses.
2. Continue to implement the loan differentiation policy.
Within the loan amount, we will continue to implement the differentiated management of loan down payment ratio, and determine the loan down payment ratio according to the purchased house area: if the construction area is below 90 square meters (inclusive), the loan down payment ratio shall not be less than 20%; If the construction area is 90- 144 square meters (inclusive), the down payment ratio of the loan shall not be less than 30%; If the construction area exceeds 144 square meters, the down payment ratio of the loan shall not be less than 40%.
3. Do a good job in off-site loans.
Chongqing registered employees who are employed in different places and pay housing provident fund can apply for housing provident fund loans from Chongqing Housing Provident Fund Management Center with the certificate of payment in different places issued by the Housing Provident Fund Management Center. Chongqing Housing Provident Fund Management Center will issue a certificate of housing provident fund deposit for employees who are employed in Chongqing and pay housing provident fund in different places, and purchase self-occupied housing at the place where they live.
4, increase the housing provident fund loan interest.
Give full play to the role of subsidized housing provident fund loans to support employees' housing consumption, increase the scale and distribution of subsidized housing provident fund loans, and expand the scope of implementation to the whole city. The discount amount is calculated and paid according to the difference between the benchmark interest rate of housing provident fund loans and the interest of commercial bank loans, and is charged in the housing provident fund business expenses. The discount loan undertaking bank shall guarantee the loan amount and issue it according to the housing provident fund individual housing loan conditions.
5. Reduce the intermediate cost of loans.
Housing provident fund loan guarantee is mainly based on purchased housing mortgage, and the insurance and compulsory agency guarantee fees charged to individual employees are cancelled to effectively reduce the burden on loan employees.
6. Optimize the loan processing process.
Chongqing housing provident fund management center and housing property registration agencies should be networked as soon as possible to realize information sharing, simplify loan handling procedures and shorten the loan handling cycle. The housing property registration institution shall complete the mortgage registration formalities within 10 working days from the date of accepting the mortgage registration application, and the housing provident fund management center shall complete the housing provident fund loan within 5 working days after the mortgage registration verification. Housing provident fund loans to implement the loan waiting, the time limit for loan issuance in accordance with the relevant waiting time limit.
Iii. 20 19 Chongqing housing proposal
1 first of all, we must make clear the purpose of buying a house, whether it is self-occupation or rental, whether it is just needed or improved, and then we can make targeted choices. Different purposes require different information and policies.
2. Buyers need to know all kinds of information about the real estate, the specific situation of the real estate, matters needing attention in buying a house, hot plate areas, etc. , you can learn about it through the comprehensive real estate website.
3. buy a house and go to the scene to see for yourself. The surrounding facilities, greening rate, location and transportation of the real estate need to be personally experienced before you know what suits you. These things are not just pictures and numbers on the website.
4, buying a house needs more comparison, don't be afraid of trouble, list your favorite properties for comparison, and make a suitable choice according to your actual situation and needs.
5, you need to pay attention to the field viewing, just need to buy a house and pay attention to the apartment type and supporting facilities; Improve buying a house to see the brand and location; Pay attention to feng shui and gardens when buying a luxury house.
6. Try to buy a good location within the budget, even if the house area is smaller.
The above is about the detailed rules of Chongqing's purchase restriction policy 20 19 and Chongqing's new provident fund loan policy 20 19. I hope I can help you!