Many people want to buy a house in Xi'an, but they don't know anything and buy blindly!

For example, where are the purchase restrictions? How much is the down payment? Where can I see the price announcement? How to check commercial housing registration? Wait...

Especially the house purchase policy has undergone major changes after several new policies.

Today’s article is fully arranged, and here is a guide to buying a house in Xi’an in 2021!

Note:

This article is all organized with practical information. There are also direct QR codes for multiple home buying related websites. Remember to repost, favorite and like three times in a row!

1

Purchase Restricted Areas

Xi'an currently implements a purchase restriction policy, and the regions are divided as follows:

(Purchase Restricted/Unrestricted Area Map)

Purchase restrictions are imposed across the entire main urban area of ??Xi'an,

Fengdong New City in Lintong, a suburb of Lintong, and Xixian New District (excluding the Energy Financial Trade Zone) are also subject to purchase restrictions.

Gaoling, Huyi, Yanliang, Zhouzhi, and Lantian among the suburban counties surrounding Xi'an, as well as Fengxi New City, Qinhan New City, Jinghe New City, and Airport New City among the five major Xixian groups have no purchase restrictions.

2

Qualifications for purchasing a house

1. Household registration in Xi'an City

Those who meet the following circumstances will be deemed to have household registration in this city:

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(1) Families with registered residence in Xixian New District;

(2) Those who have moved out of their household registration due to schooling and can provide relevant certification materials for their original household registration in our city;

(3) Active-duty military personnel stationed in Shaanxi can provide a certificate issued by a unit at or above the regiment level;

(4) Active-duty military personnel whose household registration was in our province before joining the army can provide a certificate of original household registration;

(5) Active-duty servicemen who meet the conditions for military transfer in our city and can provide proof of transfer to the city’s military.

Note:

The qualifications for buying a house are based on the family unit. As long as one of the family members has a Xi'an household registration, they will be recognized as a household registered in Xi'an and can buy a house in Xi'an. .

2. Newly settled home buyers in Xi’an

Note: The qualifications for home purchase have changed significantly after the introduction of Xi’an’s 3.30 New Deal.

Previously, you only needed to have a household registration for one year or pay social security/personal tax for one year. Now you need to meet both requirements to be eligible to buy a house.

Those who retire from the army and change jobs, or whose family members settle down with the army, will not be affected.

3. How to buy a house if you have a foreign registered permanent residence?

Families that are not registered residents of this city and have no housing within the housing purchase restriction area of ??this city and can provide personal income tax or social insurance certificates for more than 5 years (including 5 years) can purchase a set of commercial housing. .

Note: "Certificate of continuous payment of social security or personal income tax in Xi'an for more than 5 years (inclusive)" refers to the continuous payment for 5 years starting from the last month when you bought the house.

The specific situations are divided into the following situations:

4. How to settle in Xi'an now?

You can settle in Xi'an through the following channels, and then just meet the new home purchase qualification requirements.

Note: Xi'an household registration includes 11 districts under the jurisdiction of Xi'an (Xincheng District, Beilin District, Lianhu District, Yanta District, Baqiao District, Weiyang District, Yanliang District, Lintong District, Chang'an District, Gaoling District) District, Huyi District), 2 counties (Lantian County, Zhouzhi County), 7 national development zones (High-tech Zone, Economic Development Zone, Qujiang New District, Chanba Ecological Zone, Yanliang, Aerospace, International Port Zone) .

In addition, those with academic qualifications registered in community collective households can directly apply online. Search the "Xi'an Public Security" official account and click on the mobile household registration room.

All the above house purchase qualifications are applicable to the purchase of second-hand houses.

3

Down payment ratio for house purchase

After obtaining the qualification to purchase a house, we need to understand the current down payment policy in Xi'an.

1. Housing commercial loan down payment ratio:

Note: Currently, when purchasing a first home in Xi’an, you need to have no housing commercial loan (nationwide) in the name of the home buyer before you can follow the first payment ratio. Minimum set is 30.

For the second house, you need to refer to the situation of the first house (housing within the administrative area of ??Xi'an) and the area of ????the second house purchased. The details are subject to bank processing.

2. Housing provident fund loan down payment ratio:

Note:

Xi'an has suspended the housing provident fund loan business for employees deposited outside the city (including Xixian New District) .

1. Who can use provident fund loans:

Individuals who have paid housing provident fund in full for more than 12 months (inclusive) (the specific period is subject to the current loan policy regulations), Employees with full capacity for civil conduct may apply for housing provident fund loans when purchasing, constructing, renovating, or overhauling ordinary houses for self-occupation.

2. Provident fund loan limit:

Loan limit = (borrower’s provident fund deposit account balance, spouse’s provident fund deposit account balance) × 15 times × payment time coefficient

If the balance of the borrower's and his spouse's deposit accounts is less than 20,000 yuan:

1. If the total account balance is <5,000 yuan, the maximum loan limit shall not exceed 200,000 yuan;

2 , 5,000 yuan ≤ total account balance < 10,000 yuan, the maximum loan limit shall not exceed 250,000 yuan;

3. If 10,000 yuan ≤ total account balance < 20,000 yuan, the maximum loan limit shall not exceed 30 Ten thousand yuan.

Note: Taking a family as a unit, a single person can borrow up to 500,000 yuan, and a couple can borrow up to 650,000 yuan.

3. Loan period:

For those who purchase commercial housing, affordable housing, or raise funds to build housing, the maximum loan period is 30 years;

For those who purchase second-hand housing , the sum of the loan period and the construction period of the house shall not exceed 30 years;

For the construction, renovation, and overhaul of self-owned housing, the maximum loan period is 10 years.

4

Now the purchase qualifications are available, and the down payment ratio is also clear.

Where should I get information about the house next? How to register? What are the rules for lottery to buy a house?

Let’s

take a closer look

Before understanding all the purchase details, you must first understand the real estate sales process:

1 , one-room-one-price form for real estate prices announced by Xi'an Housing and Urban-Rural Development Bureau.

2. The Xi’an Housing and Urban-Rural Development Bureau announces the pre-sale certificates of the buildings available for sale.

3. Online registration for the property is open (registration takes 3 days).

4. After the intention registration is completed, if the number of people in the room is less than the number of registered people, you will choose a room by yourself according to the order of intention registration. If the number of people in the room is greater than the number of people registered, a public lottery will be required, and the rooms will be selected in the order of winning the lottery.

About the determination of house purchase qualifications according to the lottery details:

For specific online registration, you can follow the following 10 steps:

Step 1: Live in Xi’an Online registration can be carried out on the Commercial Housing Sales Publicity Platform of the Construction Bureau’s official website.

Step 2: The developer reviews the information (the starting and ending time is no less than 3 days and no more than 5 days);

Note: The specific information preparation is subject to the developer’s requirements, among which Please pay attention to the personal credit report. The bank may reject the loan if the lender has overdue repayments for three consecutive months or six times within two years.

In addition, Xi'an has recently strictly inspected the source of down payments. For details, please refer to the following link: Unprecedented! Xi'an strictly checks the source of housing payment, such loans will be rejected!

Step 3: The developer has finished verifying the information. ① If the house supply is greater than the number of people who intend to register, it will be opened directly without a lottery; ② If the house supply is smaller than the number of people who intend to register, a lottery will be required. In the Xi'an Justice Bureau The notary office on the official website announces the list of potential buyers (no less than 3 days);

Step 4: Online lottery;

Step 5: The lottery results are announced, and the announcement time is not Less than 3 days;

Step 6: Make a house selection according to the notified house selection location (you may also choose a house online, please consult the sales department for details);

Step 7 : The results of the house selection will be announced, and the publicity time will be no less than 3 days;

Step 8: Families who have selected a house will sign a contract, and families who have not selected a house and have not chosen a mid-sized house will re-select other properties. Registration of intention;

Step 9: Apply for mortgage loan;

Step 10: Apply for online signing and filing; (Online signing is done at the sales department or the housing management bureau after signing the contract , the filing is to be handled by the housing management department within 30 days from the date of signing)

5

Online signing filing process for buying a house

Online signing is after the two parties sign the contract , file it with the relevant real estate department and publish it online.

It is completed at the sales department or the housing management department after the developer has obtained the pre-sale certificate, and the home buyer has met the home purchase qualifications, completed the house selection, and signed the contract.

Online signing process: Select the online signing time - prepare online signing materials - confirm the online signing terms - complete the online signing

The filing must be held within 30 days from the date of signing. The pre-sale contract of commercial housing must be registered and filed with the real estate management department and land management department of the people's government at or above the county level.

Filing process: Contract filing - review - obtain the filing number - print the contract text - sign and seal both parties - complete the filing.

Scan the QR code below to check the online signing and filing of the commercial housing sales contract:

It should be noted that the filing is carried out after the online signing is completed, and will ultimately be reviewed and reviewed by the real estate management department. Returns a registration number, which is unique (many registration numbers are contract numbers, please consult the sales department staff for details).

Online signing of commercial housing is very important. It is the official channel to prove that the house belongs to the owner and avoid the situation of selling two houses.

6

Expenses after handover

Most of the new houses currently on sale in Xi'an are pre-sold off-plan, and the handover time ranges from 2 to 3 years.

When we take possession of the house later, you will also need to pay the following fees.

1. Deed tax

2. House maintenance fund

Deposit standards for commercial housing maintenance funds:

Multi-story residential buildings (below 7 floors) , not equipped with an elevator): 60 yuan/square meter.

Multi-story residential buildings (equipped with elevators):

90 yuan/square meter.

Small

High-rise and high-rise residential buildings (7 floors and above) 145 yuan/square meter.

3. House property rights registration fee

4. Area price difference

Settled according to the actual settlement in accordance with the "Commercial Housing

Sales Contract", but The absolute value of the area error ratio is within 3 (inclusive).

5. Certificate stamp tax

5 yuan/book; production fee, 10 yuan/book

6. Property fee

In the future Before signing to take over the house, the property fees will be borne by the developer. From the date of taking over the house, the property service fees will be borne by the home buyer.

7. Other expenses

Heating fee: determined according to the heating method and specific price of the community.

Water, electricity, and gas bills:

Generally, there are separate cards, and the owner only needs to recharge them.

Parking fee:

Some owners need to purchase parking spaces in the community. This fee is for owners who buy parking spaces.

These fees are generally incurred after the actual check-in, and the payment situation varies from person to person.

Note:

The deed tax and overhaul fund must be paid. If you don’t pay when you take over the house, it is possible that the house will have incomplete certificates!

The above is the most comprehensive guide to buying a house in Xi'an!

With the guide in hand, you will not have to worry about buying a house. I hope it will be helpful to you.

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