First, the sales restriction policy
Unlimited purchase: Xuzhou's current unlimited purchase policy is that both locals and foreigners can buy houses in Xuzhou.
Sale: From June 2065438+2007, Xuzhou property market entered the stage of restricted sale; On June 5, 20 18, Xuzhou was restricted from selling and upgraded, and the municipal government issued relevant office documents, requiring commercial houses to be listed and traded after two years of license from June 18.
The main contents include the following three points:
1, Xuzhou urban household registration households own 1 housing, and commercial housing (including newly-built commercial housing and second-hand housing, the same below) shall not be listed and traded if it is less than 2 years since the date of ownership registration or the preparation time for online signing of new commercial housing sales contracts is less than 5 years;
2. Households with urban household registration have two or more houses, and households with non-urban household registration have 1 house and above. If it is less than 3 years from the date of ownership registration or the online preparation time of the new commercial housing sales contract is less than 6 years, it shall not be listed and traded;
3. When selling commercial housing, the certificate of family housing status issued by the real estate registration management department shall be provided.
The latest and most comprehensive housing purchase policy in Xuzhou in 2023
Second, the loan policy.
At present, most people buy houses through loans. At present, there are three mainstream loan methods in Xuzhou, namely commercial loans, provident fund loans and portfolio loans.
1. Commercial loan
The minimum down payment for commercial loans in Xuzhou is 30% for the first suite and 40% for the second suite. Most banks recognize loans and houses.
Some time ago, my colleagues investigated the mortgage interest rates of some banks in Xuzhou. The survey results show that the first set of mainstream loans is about 5.7% and the second set of mainstream loans is about 5.9%. Can refer to it
2. Provident fund loans
From June 24, 2020, Xuzhou implemented a new version of the provident fund policy, including a maximum loan of 500,000 for individual provident fund in Xuzhou City (including tongshan district) and a maximum loan of 700,000 for both husband and wife; The county personal provident fund can borrow up to 400,000 yuan, and the husband and wife can borrow up to 500,000 yuan.
In addition, if the balance of employees' provident fund in urban areas (including tongshan district) meets certain conditions, the maximum withdrawal loan shall not exceed 900,000 yuan regardless of unilateral application or application by both parties.
Provident fund loan conditions
Having a permanent residence in this Municipality or other legal and valid residence status;
Have a stable income, good credit and the ability to repay the principal and interest of the loan;
There are legal and effective proof materials for the purchase and construction of housing;
Assets approved by the provident fund center as collateral or pledge, or guarantors with sufficient compensatory capacity;
Meet other conditions stipulated by the municipal provident fund center.
Units and individuals have established a housing provident fund system. Individuals and their employees who have paid the housing provident fund for more than 6 months (including 6 months) continuously, on time and in full before the month of applying for a loan may apply for a loan.
Calculation formula of provident fund loan amount:
[(total monthly salary of the borrower and monthly contribution of the borrower's housing provident fund) * repayment ability coefficient-total monthly repayment amount of the borrower's existing loan] * loan term (month)
[(Total monthly salary of both husband and wife, monthly contribution of housing provident fund of both husband and wife's work units) * Repayment capacity coefficient-total monthly repayment amount of existing loans of both husband and wife] * Loan term (month)
Total monthly salary = monthly contribution of provident fund/(proportion of unit contribution and proportion of individual contribution)
Personal repayment ability coefficient: calculated at 40%.
Term of provident fund loan:
The longest period for employees to apply for provident fund loans shall not exceed 30 years;
And the maturity date of the loan shall not exceed 5 years after the statutory retirement time of the loan applicant (including the borrower);
At the same time, it shall not exceed the remaining service life of the purchased house.
Loan process:
The center accepts the ban.
Conditions for handling portfolio loans:
Purchase commercial housing or stock housing (second-hand housing) as the only housing;
Use provident fund for the first time.
Requirements for handling portfolio loans:
The maximum amount of portfolio loans shall not exceed 70% of the total price of purchased commodity housing;
The first loan of the stock room (second suite) shall not exceed 60% of the total house price;
The maximum proportion of portfolio loans shall not exceed the published maximum proportion of housing provident fund, and the total amount of down payment plus portfolio loans shall not be higher than the total amount of house purchases.
The loan terms of housing provident fund loans and commercial housing loans must be the same;
The shortest term of housing provident fund portfolio loan is 1 year, and the longest term is 30 years. The maturity date of the loan shall not exceed 5 years from the national legal retirement age of the borrower (including the borrower).
Banks that can handle portfolio loans:
Postal Savings Bank, Xuzhou Branch of China Construction Bank, Huaihai Rural Commercial Bank and Huaxia Bank.
4. Business-to-business housing policy
Handling materials:
Processing flow:
Charge standard:
Third, the settlement policy.
At the end of 20 19, the website of Jiangsu Provincial People's Government published the Measures for the Administration of Individual Housing Provident Fund Portfolio Loans in Xuzhou (for Trial Implementation), which refined the objectives and tasks and defined the work measures. The Jiangsu Provincial Public Security Department explained this in detail. Among them, Xuzhou's settlement policy is as follows:
Fully liberalize the restrictions on the settlement of graduates from universities and vocational colleges, returned overseas students and skilled workers.
For the new generation of migrant workers who have joined the army and have the ability to work stably in cities, the agricultural floating population who work and live in cities and flow with their families, and those who have legally stable residences (including leases), legally stable employment and participate in urban social insurance and apply for residence permits, themselves, their spouses, unmarried children, parents, etc. Those who live and live together can apply for registration of permanent residence in the local area. You can set the requirement that you can participate in urban social insurance for no more than 5 years.
In addition, Xuzhou currently implements the hukou access policy that is conducive to the introduction of talents, the hukou access policy that encourages housing purchase, the hukou access policy that encourages investment, the hukou access policy that encourages business, and the "three refuge" hukou migration policy. Eligible people can settle in Xuzhou. Details are as follows:
Four, Xuzhou real estate transaction taxes and fees
Finally, it is worth mentioning that in addition to the normal purchase cost, the new house also needs to pay deed tax, maintenance fund and property fee. When taking the house; Second-hand housing needs to pay deed tax, value-added tax, personal income tax and other expenses.
1, Xuzhou new house transaction tax
2, Xuzhou second-hand housing transaction taxes and fees
3. Maintenance Fund
20 1 5165438+1October1,Xuzhou began to implement the new maintenance fund deposit standard:
(1) Commercial house without elevator 60 yuan/_;
② Commercial House with Elevator 90 yuan/_.
Other expenses incurred in the transaction process: stamp duty, which is five ten thousandths of the house price; In the process of handling the property right certificate, you need to pay the registration fee of 0.3 yuan/m2, and the cost of building ownership certificate of 4 yuan/Ben, etc.
V. Housing subsidies
Xuzhou announced the new policy of talent introduction from 2002/kloc-0 to 2023. During this period, 500 leading talents, 5,000 specialized talents and 50,000 college graduates will be introduced every year. In order to strengthen the introduction, these talents will enjoy a series of preferential policies, including preferential subsidies for first-time home purchases.
1, scope of talent introduction
2. Support policies
Leading talents enjoy 13 support policies, including the first-time purchase, and the maximum purchase subsidy is 1 10,000.
Professionals enjoy six support policies, including first-time home purchase, maximum subsidy of 200,000 for self-occupied housing with provident fund loans, and maximum increase of 20% for provident fund loans.
Seven supporting policies for college students: graduates with bachelor degree or above will be given a one-time subsidy of 5% of the total purchase price in Xuzhou for the first time, with a maximum of 65,438+10,000; Among them, full-time doctoral graduates from Xu universities and doctors from world-famous universities bought houses in Xu for the first time, giving 300,000 housing subsidies;
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