The latest policy of Kunshan house purchasing qualification

First, the latest policy of Kunshan's housing purchase qualification

Suzhou Kunshan Social Security Co., Ltd. used to pay for the purchase of a house with foreign household registration for 2 years continuously, but now it has changed to pay personal income tax for 2 years or more continuously within 3 years from the date of purchase (which can be cleared and refunded). After the foreigner sells the house, he can buy back 1 set within 2 years, without social security and tax bill. 1. The latest loan restriction policy for buying houses in Kunshan is 1, and the minimum down payment ratio for the first home is not less than 30%. 2. The minimum down payment ratio of the second set of housing is 50% (for households with housing loan records but no housing when applying for a loan to buy a house; Households that own 1 house but have no housing loan record or have settled the corresponding housing loan) have housing loans: the minimum down payment ratio is 80% (families that own 1 house but have not settled the corresponding housing loan will apply for commercial personal housing loans again to buy ordinary housing) 3. For households with two or more houses, commercial personal housing loans will be suspended. In 2022, the latest provident fund loan policy in Kunshan used provident fund loans for the first time. The personal quota was increased from 450,000 to 600,000, and the family quota was increased from 700,000 to 900,000. It was officially implemented on April 2 1! Attention! The above new policies are only for "first-time use of provident fund loans"! The following two situations will be implemented according to the original policy: 1, the second use of provident fund loans, with the same amount, 300,000 individuals and 500,000 families; The maximum amount of the total house price within 2.90_ 165438+ 10,000 is still 80% of the house price; 3. During the epidemic prevention and control period, employees who fail to repay their housing provident fund loans normally will not be overdue, and will be exempted from overdue penalty interest, which will not affect their personal credit. The personal grace period is tentatively set as July 3, 20221. After the expiration of the grace period, the loan principal and interest within the grace period shall be returned together. Buying a house with provident fund in different places in Kunshan (including Suzhou) must conform to the local purchase policy and provident fund loan policy in Kunshan. Legal basis: Work Opinions of the Municipal Government on Further Promoting the Stable and Healthy Development of the Real Estate Market in Our City 1. Further strengthen the management of land circulation. Increase the security of land supply, strictly implement the residential land supply plan, and ensure the moderate supply and demand of the land market. Strictly implement the declaration and verification system of its own funds for land purchase, and the bidding enterprise shall explain the source of funds for land purchase and make a commitment. The bid bond for residential land transfer is adjusted to the range of 30% ~ 50%, which is specifically set in the transfer announcement. If the bidder fails to declare its own funds, it will cancel the competition qualification and confiscate the deposit or terminate the transfer contract and confiscate the deposit, and bring the bidder's related illegal acts into the enterprise credit system. Encourage residential land to implement the "limited price and limited land price" transfer method. Second, adjust the residents' purchase policy. When applying for purchasing houses in Suzhou, Kunshan and Taicang 1, families who are not registered in this city should provide proof that they have paid personal income tax or social insurance (urban social insurance) continuously in Suzhou for two years or more in the first three years from the date of purchase.

Second, the latest policy of Kunshan's housing purchase qualification

1. Scope: apply for the purchase of 1 rooms in urban areas, Kunshan City and Taicang City. If you are from Suzhou, you can buy three houses in Kunshan, but the third one needs the full amount.

Second, within 3 years of buying a house, the payment certificate of personal income tax or social insurance (urban social insurance) has been paid continuously for 2 years or more, and it has the conditions to pay back or break off diplomatic relations;

Three. Scope of social security and personal income tax payment: refers to Suzhou urban area, including Suzhou urban area (gusu district, Wu Qu, Suzhou Hi-tech Zone, Suzhou Industrial Park port).

Since the upgrade of Kunshan's purchase restriction, the cooling of the property market has stabilized. After a lapse of 1 year, that is, on July 3 this year, the measures for the implementation of talent housing in Kunshan City (for trial implementation).

According to the new policy, talents with intermediate professional titles and above, skilled workers with technical skills and above, and other recognized talents in short supply purchase the first set of self-occupied housing, which is implemented in accordance with the Implementation Opinions of Suzhou Talents Housing Project (Trial).

"Suzhou Talent Happiness Residence" stipulates that there is a time limit for tax and social security payment for qualified talents who are in short supply to purchase the first set of self-occupied houses.

Combining these two opinions, we unconditionally purchased the first self-occupied housing in Kunshan.

Previously, Kunshan's talent purchase policy was aimed at undergraduates and above. After social security payment 1 month, you can apply for the talent code and buy a house directly without settling down. Now the threshold for buying a house is greatly reduced, and college education or above can unconditionally buy a house in Kunshan!

3. What conditions do foreigners need to buy a house in Kunshan?

1, the buyer must be a married family and can provide a marriage certificate; 2. Property buyers should be able to provide personal income tax bills for two years, 13 consecutive months, or proof documents for participating in social insurance; Because there is no limit on the number of apartments in Kunshan, as long as the above materials can be provided, you can buy multiple apartments, but the more apartments, the higher the property tax.

For high-level talents who meet the requirements of the talent introduction policy of this Municipality, as well as talents who are in short supply and in urgent need introduced by key industries, as long as they can provide valid residence permits in this Municipality, work and live in this Municipality, and purchase the first house as the only family, they can enjoy exemption from property tax.

2. Buyers who hold a valid residence permit in this city and have worked or lived in this city for more than three years can enjoy the preferential policy of exemption from property tax when purchasing the first house and the only family house.

3. If the buyer holds a valid residence permit in this city for less than three years, the property tax will be levied according to the size of the first house. If the buyer holds a residence permit and has lived or worked in this city for more than three years, the property tax can be refunded according to the regulations.

4. If the buyers want to enjoy the first suite discount, when buying a house in this city, they also need to provide the proof of the first purchase of the household registration.

Fourth, Kunshan housing purchase policy.

1, limited purchase 1 set, and provide the personal income tax payment certificate or social insurance (urban social insurance) payment certificate accumulated in Suzhou (including Wujiang District), Kunshan City and Taicang City for more than 1 year from the date of purchase (overdue payment is invalid). 2. Kunshan also restricts loans while implementing purchase restriction: provident fund loans: if employees' families use provident fund loans for the first time, the maximum loan amount will remain unchanged (700,000 yuan); If an employee's family uses provident fund loans for the second time, the maximum amount of family loans is adjusted to 500,000 yuan, and the maximum amount of single-person loans is adjusted to 300,000 yuan; If employees' families use provident fund loans for the second time, the down payment ratio will be adjusted to not less than 50% of the total housing price; If the employee's family uses the provident fund loan for the second time, it will be adjusted to calculate the loanable amount by 6 times of the borrower's personal account balance. Meet the above conditions and have sufficient funds to buy a house.