How to identify improved housing

there is no uniform standard for the identification of improved housing, and the regulations on improved housing vary from place to place. There are generally two schemes to judge improved housing: one is based on the per capita housing area in this area. Taking Nanjing as an example, for improved or non-improved housing, it is judged by whether the per capita housing area of buyers before buying a house is lower than (equal to) or higher than that of the whole city. If the second property purchased is larger than the per capita housing area in Nanjing, it is considered as an improved housing. For example, the per capita housing area of a city in a certain year is 25 square meters, and the standard of improved housing for a family of three is 75 square meters. There is also a dividing line of 9 square meters, that is, the first set of housing is below 9 square meters, and the purchase of real estate of more than 9 square meters for self-occupation is considered as the purchase of improved housing.

Identification of Improved Housing in Shanghai

According to the relevant policies issued by Shanghai Provident Fund Management Center, it is clear that if the per capita housing area is less than 33.4 square meters, buying a house again is an "improved housing".

Shanghai's improved housing policy:

1. Shanghai's improved housing policy

For those who buy a second set of improved ordinary self-occupied housing, the maximum amount of provident fund loans will be reduced from 8, yuan to 6, yuan. At the same time, Shanghai will tighten the provident fund personal loan for "investment speculative house purchase".

the most basic condition for "investing in speculative house purchase" is to purchase a second set (including the second set) or more of non-improved housing; If the per capita housing construction area of the borrower's family exceeds 33.4 square meters (per capita housing construction area of Shanghai in 28), the second loan to buy a house will be deemed as the purchase of non-improved housing.

3. Shanghai ordinary housing certification standard

According to the Notice of Shanghai Housing Authority on Extending the Validity of Some Normative Documents, the latest Shanghai ordinary housing standard follows the standard published in 214, that is, the following conditions should be met at the same time:

(1) Multi-storey houses with more than five floors, as well as old apartments with less than five floors, new alleys and old alleys;

(2) The single building area is below 14 square meters;

(3) Actual transaction price: 1.44 times lower than the average transaction price of houses on the same level of land, less than 4.5 million yuan/set within the inner ring road, less than 3.1 million yuan/set between the inner ring road and the outer ring road, and less than 2.3 million yuan/set outside the outer ring road.