Guide language: One house is begged hard, are you still in kink? So today, the policy buying a house that creek bay carries everybody to understand Hangzhou and carry on to start two cities together ~
1
Be restricted to buy policy
·Be restricted to buy a crowd
1.This city census register
Lone: This city census register that suspends reaching above housing to having 1 is grown and lone (contain from different) the personage is offerred bridal chamber, secondhand bridal chamber sells.
Family: Time-out is offerred to the family of this city census register that has 2 to reach above housing bridal chamber, secondhand bridal chamber sells.
2.Be not dweller of this city census register: Him under one's name does not have a room in Hangzhou + before buying a ring room to need to offer the day that buys a house oneself to rise 3 years successive pay of immanent Hangzhou city reachs above social security 2 years to prove (filling capture does not calculate) .
3.Census register by nonlocal ingoing: From cottage of nonlocal ingoing tung, build heart, face how, honest installs 4 counties (city) dweller family, from census register the sun of ingoing rises full 2 years, just can be restricted to buy in Hangzhou city housing is bought inside area, be restricted to buy policy to carry out according to this city.
4. Enterprise: Buy Hangzhou city housing, the ability after 3 years can appear on the market trade.
{attention: Since September 28, 2016, inside limits of Hangzhou urban district (the hill that contain desolate, Yu Hang, Fu Yang, great river east) time-out is carried out buy a room to join a policy. }
·Be restricted to buy range
Include: Go up area of next the city zone, the city zone, Jiang Gan, arch villa area, west lake area, Hangzhou is new and high developing zone (bank) , the river country travel of development of Hangzhou economy technology, Hangzhou goes vacationing area, Xiao Shan area, Yu Hang area, Fu Yang classify.
(attention: On August 11, face how to remove city to establish a division, become Hangzhou the 10th area. On August 12, bureau of canal of Hangzhou town house is clear: "How be because face,inside the limits that is restricted to buy policy formerly, after so even if removes city to establish a division, still not be restricted to buy, unless publish new bounds to buy policy, face install include to go in. " )
Be restricted to shift policy
Be not Hangzhou registered permanent residence:
1.Him under one's name does not have a house outerly, also borrow a record without the room, head pay need only 30%
2.If the other place has 1 flatlet, also borrow a record without the room, commerce borrows money head pay need only 30% , accumulation fund borrows money head pay 60%
3.If the other place has 1 flatlet, had had a room to borrow, no matter whether be paid off, head Fu Dou wants 60%
4.If the other place has 2 flatlet more even, do not allow loan, can pay total money only
5.Him under one's name does not have a room in Hangzhou, also borrow a record without the room, head pay need only 30%
6.Him under one's name has 1 flatlet in Hangzhou, perhaps had had a room to borrow a record, head pay should 60%
Hangzhou census register
Buy a house / loan circumstance
Business is borrowed head pay proportion
Accumulation fund borrows money head pay proportion
Without the room
Without loan record
30%
30%
Have loan record
60%
60%
Have one flatlet
Without loan record
60%
60%
Have loan record
60%
60%
Lone (contain from different) cannot buy a house
Two reach above
Cannot buy a house
Nonlocal census register
Duty / social security circumstance
Buy a house / loan circumstance
Business is borrowed head pay proportion
Accumulation fund borrows money head pay proportion
Before the day that buys a house oneself rises 3 years immanent this city is successive pay 2 years with last duty or social security
The other place has room Hangzhou not to have a room
Without loan record
30%
60%
Have loan record
1 is in borrow or already settle
60%
60%
2 reach above to be in borrow
Cannot borrow money, need total money
Cannot borrow money, need total money
Nonlocal Hangzhou all does not have a room
Without loan record
30%
30%
Have loan record
60%
60%
Hangzhou has a house
Cannot buy a house
Attention:
1 inside urban limits, to already having one ring house, or without housing but the dweller family that has housing loan record, implement policy of 2 flatlet credit, accumulation fund with commerce loan head pays not under 60% . Interest rate of accumulation fund loan borrows money by accumulation fund of housing of the corresponding period standard interest rate 1.1 times carry out.
2 fulfil a month strictly to wait for policy requirement than exceeding 50% for income, to already growing up, not obtain employment, without fixed income and reimbursement capital originates the borrower of person of other and collective reimbursement, can consult policy of 2 flatlet credit is carried out.
Housing of 3 individual of strict examine and verify loan head pays financing source, forbidden and of all kinds " the bar that increase staff " financial product is used at buying room head to pay.
Settle policy
One, strategy of the settle that buy a house
Be not personnel of this city census register to pass buy, donative, successive wait for legal approach to obtain floor area 80 square metre (contain) the sheet of above covers commodity house house (include secondhand room) , already handled card of praedial property right or building property card, house money sum is paid (the building is not had close down) , enter actually. Have the except of special status.
2, talent settle strategy
1.This year's graduates: Graduation fulfils obtain employment unit in Hangzhou urban district before December 31 in those days (the period of efficacy that signs with the unit of a year of above " labor contract " or " the contract that recruit " ) of social security of pay Hangzhou place.
2.Full-time is common record of formal schooling of college university undergraduate course or possess qualification of title of intermediate and professional technology (45 one full year of life are the following) and average college is in short supply and professional three-year institution of higher learning (35 one full year of life are the following) personnel: Need is in Hangzhou live 1 year to reach above the society that successive pay reachs above one year is safe (do not contain filling pay) .
3.Master of common colleges and universities and above record of formal schooling are graduate: Can enjoy first policy of the obtain employment after settle.
3, strategy of settle of go and seek refuge with sb of husband and wife
Marriageable age of husband and wife is full 3 years (contain 3 years) above, in Hangzhou one party has lawful and fixed dwelling place and person door is consistent, deal with relevant formalities to police station of seat of registered permanent residence by party, hang those who rely on to be not relative home to counteract collective registered permanent residence to be not dealt with to registered permanent residence " go and seek refuge with sb of husband and wife " . This city villager of former agriculture registered permanent residence,
4, strategy of settle of senile go and seek refuge with sb
The male year full 60 one full year of life (former Hangzhou book relaxes 55 one full year of life) , female year full 55 one full year of life (former Hangzhou book relaxes 50 one full year of life) , children, children is not had beside all or most in this area, can deal with go and seek refuge with sb.
5, strategy of minor children settle
Not full the children of 18 one full year of life (registered permanent residence is in the except of school of old technical secondary school) , live actually in this area, can be in by freewill principle go and seek refuge with sb Hangzhou father or mother (except of collective registered permanent residence) .
6, strategy of strategy of pay taxes settle
An illicit business operator that the other place comes to Hangzhou urban district, begin every from 2000 successive tax of land of the pay inside two years is full of 100 thousand yuan of RMBs, legal person can deal with settle formalities on behalf of oneself; Successive two years annual pay land tax is full 150 thousand yuan, legal person represents oneself and spouse, minor children to be able to deal with settle formalities.
7, the foreign trader invests settle strategy
In Hangzhou the urban district is approved newly or rose in this year 1998 add endowment above of 100 thousand dollar is in this city or area pay revenue are full the foreign trader of 100 thousand yuan of RMB invests an enterprise. Every invest foreign capital of 100 thousand dollar to be able to deal with personnel of a business management to enter Hangzhou settle. An unit in principle handles 10 people at most.
8, the other place comes Hangzhou investment settle
Hangzhou city other place comes Hangzhou every invest the domestic company of investment 1 million yuan of RMBs, can deal with administrator of an enterprise full-time to enter Hangzhou, total investment is in of above of 5 million yuan of RMBs, the proprietor of an enterprise wants chief to be able to follow change spouse and minor children, an unit in principle handles 10 people at most.
9, study abroad returnee settle strategy
Study abroad returnee needs to deal with " study abroad personnel goes back to the motherland employee's card " , deal with by employee's card and certificate of record of formal schooling.
10, strategy of settle of high skill talent
1, technician is had under 45 one full year of life (2 class technician) personnel of above profession qualification;
2, accord with under 35 one full year of life in those days our city in short supply profession (type of work) the high skill talent of the certificate of advanced profession qualification of catalog (3 class mechanic) ;
3, this year's graduates of our city high vestibule school that obtains letter of advanced profession qualification;
4, among them 1, two kinds of 2 personnel need to be in Hangzhou the work is full 5 years and in Hangzhou have housing, the 3rd kind of personnel needs to be in Hangzhou fulfil working unit.
11, the registered permanent residence inside city is migratory (except of collective registered permanent residence)
The citizen that has one of following state, ought to secure change of registered permanent residence abode to be in legally toward his; Oneself do not have what secure dwelling place legally, can change is gone to agree to be in by the go and seek refuge with sb, relatives and friends that has domestic number of households and total population; Oneself do not have lawful and fixed abode and nowhere of go and seek refuge with sb, ought to change goes to place community, village (house) appoint meet or countryside (town, street) community is collective door:
1, wait for a reason because of move of building property right, divorce, lose show registered permanent residence to register droit of address seat building or of use;
2, because ask for the ground, building to tear open change,wait for a reason, lose show registered permanent residence to register droit of address seat building or of use;
3, registered permanent residence is registered in unit collective door, show an unit nonexistent, oneself leave an unit or oneself contain domestic member;
4, other the case that ought to register occurrence registered permanent residence of change of registered permanent residence address by the regulation.
Shake number policy
1.What room: In the commodity housing project that opens to booking card is being acquired after April 4, 2018, intent client registers number to roll out room source to count more than, ought to notarization shakes client of intent of; of room of date carry out registers number to be counted less at rolling out room source, do not need notarization to shake number makes work room. (the blame residence such as office, commerce but nonperformance notarization shakes date is sold. )
2. what place: Urban limits (include to go up villa of next city, cities, Jiang Gan, west lake, arch, bank next river, sand, river, Xiao Shan, Yu Hang, great river east, Fu Yang, face how)
Who is in charge of 3. : Estate development company is the executive main body that commodity housing sale works, the notary organization is chaired shake number works, room canal and judicial department undertake coaching supervisory.
4.What person can participate in: Accord with our city housing to be restricted to buy policy regulation, be in the project is current the family that undertakes intent is registered, all can participate in shake date chooses a room.
5.Be chosen abandon choosing the room, meeting that buy a house how: After be chosen, abandon choosing a room, buy a room to amount to quadratic family, abandon picking 3 months since the room, day that buys a house oneself inside, after each estate develops an enterprise to accept its to buy room intent to register; to be chosen no longer, abandon choosing a room, buy a room to be amounted to 3 times (contain) the family of above, abandon picking 6 months since the room, day that buys a house oneself inside, each estate develops an enterprise to accept its to buy room intent to register no longer.
6. shakes number policy to " the family that do not have a room " tilt: "The family that do not have a room " it is to point to be restricted to buy in the our city the family that has housing oneself is not had inside limits (do not contain maiden, different leaves lone after April 4, 2018 and arise because of oneself housing trades after April 4, 2018 " the family that do not have a room " ) . It is certain that estate develops an enterprise to want to offer proportional room source is offerred only " the family that do not have a room " buy, specific scale by development company foundation the project is actual circumstance, clear in project sale plan.
2
Be restricted to shift policy
1.Carry on promotes a flatlet to lend interest rate furnace of newest attune fish! Highest rise 25% !Center of many bank credit understands Cong Shaoxing, july 2018 portion 4 big besides the Agriculture Bank, the Construction Bank, medium travel, be versed in travel head flatlet borrows interest rate rise 15% , 2 flatlet borrow interest rate rise 20% , did not change than March. And agricultural bank head flatlet the rise from March the rise with 15% current → 25% , 2 flatlet the rise from March the rise with 20% current → 30% , rise the trend is rapid.
In commercial bank of other this locality, bank of riverside hair, an ancient name for China, the people's livelihood head flatlet borrows interest rate rise 20% , 2 flatlet borrow interest rate rise 25% . Those who deserve attention is, situation of individual of the person that borrow money is different interest rate is different also: If start trade bank, according to different client, first, 2 flatlet lend interest rate all rise 15%-20% differs. Following plan institute show:
Carry on promoted ★ in July 2018 newest room borrows interest rate to investigate ★
2.Besides, building of each big bank collaboration dish different, head flatlet borrows interest rate to also will differ somewhat, is that room borrowed how to lead this to calculate?
-- the room borrows * of standard interest rate of interest rate = (1+ rise extent)
For example: Head flatlet rise 15% , the room borrows 4.9%* of standard interest rate of interest rate = (1+15% ) =5.64% ; 2 flatlet rise 20% , the room borrows 4.9%* of standard interest rate of interest rate = (1+20% ) =5.88%
3.Loan time
Because at present major bank specified number spends insecurity, there is bank of close half the number to state inaccuracy of particular loan time is decided in investigation. The bank that inaccuracy of eliminate loan time decides, from the point of current and foregone information, in the data all ready circumstance falls, can put the most quickly that day.
According to investigation, the loan rate of bank of the people's livelihood is the fastest, if client data preparation is complete, without undesirable credence, do not give an accident that day can loan. Additional, partial bank is aimed at blame collaboration building dish with cooperative building dish loan time is different also.
4.Interest rate rise, the cost that buy a house will raise again
Carry on promoted a person to buy a house July, will calculate by highest rise interest rate, want every months to return 305 yuan more, total reimbursement specified amount wants many one hundred and ninety-four thousand six hundred yuan.
Settle policy
Carry on allows the restriction that unlocked settle of pair of ab extra population, execute buy a house can the policy of settle.
Admit chip shake number policy
1.Estate develops an enterprise to use those who shake order pattern sells commodity housing publicly, ought to entrust a notary organization to chair, in explain when getting commodity house to open to booking licence, appear in the newspaper to shake publicly date plan. Building dish need is shaking be shown before date open to booking capital (intent gold, admit prepare gold) , highest must not exceed 150 thousand yuan.
2.Company of forbidden estate development enters in the records through collection of orgnaization of real-estate sale agent the capital beyond valence, must not fry date selling a house, must not release false information, must not adopt employ a person to queue up to wait for a method to create the false atmosphere with exuberant sale. To disobeying what set originally, instruct deadline to correct, confiscate illegal earning, the clue cancels his badly from job seniority, till investigate criminal duty.
