Hangzhou points will be settled in 2020! Learn about the latest housing policy in an article

Original title: Hangzhou points settled in 2020 and started! Learn about the latest settlement/house purchase/loan policy

(Author: Fu Die, this article is reproduced from WeChat official account "? Hangzhou property market dynamics, Phoenix Real Estate has been authorized)

The epidemic situation gradually stabilized, and the rhythm of Hangzhou returned to normal in an orderly manner.

On March 1 day, the acceptance of residence permit points in 2020 was officially launched.

As early as last year, Hangzhou relaxed its settlement policy, and undergraduates and college students can settle down as long as they meet three conditions. In the spring season, we present you with a detailed guide to settling down/buying a house/lending. We were there all the way to buy a house.

First, settle down.

Hangzhou's settlement methods mainly include points settlement, talents settlement and refuge settlement.

1. Integral settlement

The residence permit points system refers to quantifying the conditions for residence permit holders to apply for points by scientifically setting and determining the points index system, and giving each index a certain score. According to the total score of the index, eligible floating population household registration is allowed to move into the urban area of this city in the order of points from high to low.

What is the settlement time of points?

The settlement of points in Hangzhou will be accepted in March every year. If the application is not submitted within the time limit, it will not be accepted in that year. In 2020, the points will be settled in March 1 and the declaration will begin.

Which areas in Hangzhou can apply for the exam?

Ten districts in Hangzhou can apply, specifically Shangcheng District, Xiacheng District, Gongshu District, Jianggan District, Xihu District, Binjiang District, Xiaoshan District (including Dajiangdong), Yuhang District, Fuyang District and Lin 'an District.

How many points can I settle in Hangzhou?

The settlement score is different every year, and the more points, the better. The summary calculation index is controlled and dynamically adjusted, and the specific settlement score is not preset. The score of 20 18 is above 130 (inclusive) and the score of 20 19 is above 125 (inclusive).

What are the requirements for applying for settlement of points?

Hold a residence permit in Zhejiang Province, 18 years old or above, have full capacity for civil conduct, have no serious criminal record or participate in organizations or activities prohibited by the state.

Where can the account where the points are settled be?

In principle, the settlement location of the points is consistent with the residence permit, and is determined in the order of legally fixed residence (spouse, children, parents), family households, unit collective households and talent center (community) collective households.

Where can I settle the points?

In order to effectively prevent and control the epidemic situation, facilitate the floating population who have not returned to Hangzhou to settle down in time and orderly, and facilitate the admission of points, Hangzhou Public Security has set up an online platform for accepting residence permit points on the WeChat WeChat official account of "New Hangzhou Home" to realize online and offline "dual track" applications.

● Online application-WeChat declaration

1/ Scan the QR code and follow the official account of "New Hangzhou Home" WeChat;

2. Find the column of "Points Application" in "Points Management", read and confirm the points application authorization agreement, and carry out real-name authentication;

3/ Fill in personal basic information;

4. Confirm the intention to apply for points according to your own situation. If you plan to settle the points, you need to further fill in the settlement information and accompanying personnel; If you plan to apply for points admission, fill in the information of the children to be enrolled;

5/ Prepare relevant certificates and materials to be submitted, and take photos of the corresponding integral indicators one by one;

6/ Check and confirm the submission. (Warm reminder, it cannot be modified after confirmation. If you can't fill it all at once, you can temporarily not submit it after filling in the personal information and input materials, and then confirm the submission after confirming that there are no supplementary changes. )

● Offline application-On-site window application

Applicants can also bring relevant supporting materials and submit an application for points in the acceptance window of residence points. (Since March 1 day is Sunday, the offline window will be officially opened on March 2).

1/ Fill in the Hangzhou Residence Permit Points Management Application Form on the spot to ensure that the relevant information of myself, spouse and minor children is true and accurate;

2/ Provide proof materials for your points application, and give them to the staff to take photos one by one for entry;

3/ Confirm the application materials and sign the complete application receipt.

Deadline for application for settlement of points

The deadline for application for settlement of points is March 3 1, and the deadline for application for admission of points is April 10.

On overall inquiry and objection review

After submitting the application for points, the relevant information will be transferred to the floating population management department where you live, and the relevant staff will review and allocate points according to the materials submitted by you. Please make sure that the contact number you fill in is kept open, so that the staff can contact you for confirmation in time when they find problems.

The approved score will be sent to your reserved mobile phone number by SMS, and you can also check your approved score through "Score Query" in the official WeChat account of "New Hangzhou Home" after 20 working days. If there is any objection to the approved points, it is necessary to submit an objection verification application to the points window or the district-level Liukou Office with the residence permit within 7 working days, and the floating population management department in the place of residence will complete the verification feedback with relevant departments within 15 working days.

When all the points are verified, the public security organ and the education department will determine the settlement list and enrollment list respectively according to the points finally determined in that year, and publish them on the portal website.

2. Ordinary college graduates settle down.

Settlement conditions:

College graduates (full-time junior college degree or above) should find employment units in Hangzhou before 65438+February 3 1 of the graduation year (the units sign labor contracts and pay local social security in Hangzhou).

Materials required:

1/ Original and photocopy of graduation certificate;

2/ The original and photocopy of the labor (employment) contract signed with the employer for more than one year;

3/ The original certificate issued by the Social Security Bureau that the employer pays social insurance for the client;

4/ Original and photocopy of ID card, household registration book or household registration migration certificate;

5 Affiliation and proof of settlement:

Settled in the talent center, the talent center issued a certificate;

In the unit collective households settled, the unit issued a certificate of consent to settle down and collective household registration book;

If you have settled in relatives and friends' homes, provide the property owner's ID card, real estate license, household registration book and proof that the head of the household agrees to settle down;

If you settle in my real estate, provide the original and photocopy of the real estate license;

6/ If you settle in a place other than the legally stable residence, you need to provide proof of no room;

7/ Other supporting materials deemed necessary by the public security organ.

3. High-skilled talents settled down

Conditions:

1/ technician or above (under 45 years old)+social security of the same employer for three consecutive years+legal fixed residence;

2/ Senior professional qualification personnel (under 35 years old)+social security for three consecutive years by the same employer+legal fixed residence;

3/ Graduates from senior technical schools in our city who have obtained senior vocational qualification certificates+units in Hangzhou.

Process:

1/ The applicant submits an application with the required materials to the household registration window of the place of immigration, and the police at the window conduct on-site audit of the materials.

2. After examination and approval, a certificate of permission to move in outside the province will be issued. The relocated personnel need to bring their ID card and the Certificate of Permission to Move in, return to the police station where the original household registration is located, and then collect the household registration book and ID card from the local police station.

Materials:

1/ Resident ID card; 2/ Household registration book or household registration certificate; 3/ graduation certificate; 4/ Personal insurance certificate (printed by unit, printed by year, personal insurance certificate); 5/ Certificate of consent to settle down issued by the property owner who intends to move into the house; 6. Proof of property right of the place to be relocated; 7/ See the skill qualification certificate issued by the top departments of vocational skills in this province and this city; 8/ The unit labor (employment) contract that has reached the specified number of years; 9/ Approval Form for Personnel to Settle in Hangzhou.

4. International students settle down

Returned students are what we often call "returnees". Returned overseas students who are originally from our city or work and start businesses in our city after returning home can settle in our city:

Conditions:

1/ undergraduate+social security for one year in a row;

2/ Those with master's degree or above can enjoy the policy of "settle down first, then get employment".

Process:

1/ The applicant submits an application with the required materials to the household registration window of the place of immigration, and the police at the window conduct on-site audit of the materials.

2/ After the examination and approval, the certificate of permission to move in from outside the province will be issued, and the people who have moved in will return to the local police station with their ID cards and the certificate of permission to move in to get a new certificate.

Materials:

1/ foreign graduation certificate;

2/ An overseas degree certificate issued by the Ministry of Education or a certificate issued by the embassy or consulate for returned overseas students;

3/ Residence booklet and ID card of settled personnel (cancellation certificate of original account is required for cancellation of account);

4/ The social security payment records of the employment units in this city in recent consecutive 12 months;

5/ Proof of settlement address (if the settlement address is a property house purchased by an individual, provide the property ownership certificate. If I have a legally fixed house, I need to provide the consent certificate issued by all property owners; If the address of settlement is the home address of spouse or relative, provide the real estate license, household registration book and written proof of consent to settlement signed by the property owner; If the settlement address is a collective account, provide the corresponding "Opinions on Unit Agreeing to Settle");

6/ China passport held when returning to China for the last time (required for account cancellation);

7/ Approval Form for Personnel to Settle in Hangzhou.

Take refuge and settle down

Husband and wife take refuge

1/ Both men and women get married for two years. If one party has a legally fixed residence in Hangzhou and the household registration is consistent, and the other party holds a valid residence permit in Zhejiang Province, it can voluntarily apply for refuge with a spouse with a household registration in Hangzhou and transfer the household registration to Hangzhou;

2/ Being employed as a senior professional and technical post or being employed as an intermediate professional and technical post for three years; Managers at or above the division level in party and government organs; The spouses and minor children of doctoral and master's degree holders with registered permanent residence in Hangzhou can apply for asylum in Hangzhou.

Take refuge in the elderly

1/ Male is over 60 years old, female is over 55 years old, all or most of the children are in Hangzhou, there are no children in other places, and they have a legally fixed residence in Hangzhou. They can apply for their children to take refuge in Hangzhou with a valid Zhejiang Residence Permit;

2/ A native of Hangzhou, male over 55 years old, female over 50 years old, children in Hangzhou, and legally fixed residence in Hangzhou, holding a valid residence permit in Zhejiang Province, can apply for asylum for their children in Hangzhou;

3/80-year-old elderly people who have taken refuge in Hangzhou or their children have legally fixed residences in urban towns, and are not restricted by the conditions of "no children around them in the field" and "valid residence permit in Zhejiang Province". They can voluntarily choose their children who take refuge in Hangzhou's household registration and move their household registration to Hangzhou.

Minor children turn to their parents for help.

(1) Outside the city

/kloc-minor children under the age of 0/8 (except those registered in colleges and universities) can take refuge in Hangzhou with their parents on a voluntary basis.

(2) Cities

Between the immediate family members within three generations in the main urban area of our city, with the consent of the head of the household and the owner of the house, the household registration can be moved according to the current residence (except for collective land, military products, public rental housing, low-rent housing, directly under the management of public rental housing and property with property rights disputes). In other words, the principle of "consistent residence and registered permanent residence" allows adult children who actually live together to depend on their parents.

Remarks: Intra-city migration refers to household registration migration within a city divided into districts, municipal districts or counties (cities, districts). Citizens who declare their household registration in this city shall comply with the provisions of household registration and go directly to the local police station for transfer procedures.

Buy a house and settle down.

Conditions:

After March 20th, 2006, houses were purchased in Binjiang (800,000), Xiasha (600,000) and Qianjiang New City (1 10,000) in Hangzhou, and after June 30th, 2008, houses were purchased in Gongshu District (800,000) and Jianggan District (800,000).

2/ The applicant has a high school education or above;

3/ over 18 years old, with full capacity for civil conduct and no infectious diseases; With the migration of minor children's household registration, it is necessary to comply with the family planning policy;

4/ The applicant has not been re-educated through labor or has been investigated for criminal responsibility;

5/ The applicant actually lives in the place where the house is purchased and the number of households is the same (actual occupancy);

6/ The account of the original household registration personnel who bought the second-hand house has moved out;

7/ The purchased property shall not be traded within 3 years.

Precautions:

(1)20 16 Purchase cancellation policy after September 28th;

(2) The area of the house purchased after Xiaoshan Yuhang 2065438+2005 65438+ 10/must be more than 80 square meters, and the house price must be paid off.

7. Investment tax settlement

Conditions for domestic investment settlement:

After the investment enterprise is registered in Hangzhou119981;

2. Enterprises invested in Hangzhou have been operating normally in Hangzhou (the accumulated national tax payment is more than 65,438+10,000 yuan); In the registered capital, foreign capital must account for more than 25%;

3/ For every investment of 6,543,800 yuan (paid-in), 654.38+0 full-time staff can be settled in Hangzhou. If the total investment is more than 5 million yuan, the main person in charge of the enterprise can move with the spouse and minor children;

4/ The applicant has no criminal record;

5/ Applicants must have a high school education or above;

6/ The applicant must be a shareholder of the company or have a social security certificate for more than one year.

Conditions for foreign investment to settle down

1998 65438+ 10 1 foreign-invested enterprises newly approved in Hangzhou or with an increase of more than $654.38+million in that year pay taxes of 654.38+million yuan in this city or this district. Every $654.38+million foreign investment can be handled 1 enterprise manager settled in Hangzhou;

Tax settlement plan

Application conditions: Legal representatives of foreign self-employed persons who have paid local taxes of 654.38+10,000 yuan for two consecutive years since 2000 can apply for settlement. For two consecutive years, the land tax has reached 6.5438+0.5 million yuan, and the owner himself, his spouse and minor children can go through the formalities of settlement.

Second, purchase restriction

Restricted areas: Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District, Binjiang District, Yuhang District, Xiaoshan District, Qiantang New District and Fuyang District.

Unrestricted area: Lin 'an District

Buyer: Hangzhou household registration, not Hangzhou household registration.

(1) Hangzhou household registration

Single status (including divorce, etc.). ), there is no room under the name, you can buy a suite; If there is already a room in the name, it will be restricted.

In the married state, you can buy two sets as a family unit, and more than two sets will be restricted.

Households whose household registration has moved from other places to Tonglu, Jiande, Lin 'an and Chun 'an counties (cities) can only buy houses in the restricted purchase area of Hangzhou after two years from the date of household registration, which is implemented in accordance with the city's restricted purchase policy.

(2) Non-Hangzhou household registration

Non-local residents who buy the first home must provide proof that they have paid social security for two years or more in this city in the first three years from the date of purchase (no more than three months within 24 months are required to provide information and labor contracts), and the sale of new houses to non-local residents who own 1 set or more houses is suspended.

It will be three years before the enterprise can buy a house in Hangzhou. Suspend the implementation of the policy of purchasing houses within the urban area of Hangzhou (including Xiaoshan, Yuhang, Fuyang and Dajiangdong).

Third, loans.

The so-called 30% down payment for the first set and 60% down payment for the second set in Hangzhou's loan restriction policy not only refers to real estate, but also implements the second home loan credit policy for families who have no housing but have housing loan records in Hangzhou.

Different from previous years, starting from 1 in March this year, the mortgage interest rate will move towards the "LPR" era in an all-round way.

What is LPR?

Let's briefly review it first. On August 17, 2065438, the central bank reformed the LPR formation mechanism, stipulating that on the 20th of each month, 18 quoted banks would add some quotations on the basis of the MLF interest rate, and finally take the average to form the LPR interest rate.

With the announcement issued by major banks on the conversion of pricing benchmark of personal loans with floating interest rate, starting from March 1 2020, our mortgage will be converted from the agreed interest rate pricing method to the LPR pricing benchmark, and this operation must be completed before August 3 1.

It should be noted that, according to the specific rules of the document, the personal housing loan of provident fund will be implemented according to the original formation mechanism of the interest rate of provident fund, because the interest rate it will implement will be more favorable, so it is not within the scope of adjustment.

New mortgage interest rate calculation formula?

Loan interest rate =5-year LPR interest rate+bonus points

How to choose LPR and fixed interest rate?

At present, house slaves are faced with two choices: one is to choose a fixed interest rate, which will remain unchanged throughout the mortgage cycle in the next two or three decades; The second is to choose LPR, that is, floating interest rate, so that the mortgage interest rate can be adjusted once a year. If the latest LPR interest rate falls in that year, the mortgage interest rate will also fall.

The advantage of choosing a fixed interest rate is that if you raise interest rates in the future, your interest rate will not follow suit; The advantage of choosing floating interest rate is that if the interest rate is lowered in the future, the mortgage interest rate can also be lowered accordingly.

However, there is only one chance to choose, and once it is determined, it cannot be changed.