1. Suzhou's latest limited purchase policy
At present, subdistrict purchases are restricted throughout suzhou。
6 regions + 2 municipalities in suzhou, i. E. Guangsu, sang-cheng, wu chong, xin, park, wu jiang, kunshan, takakura; zhang jia hong kong, often without restriction。
The purchase area is still subject to the regulations issued on 25 july 2019 -
It should be noted that, as of 19 november 2018, non-resident households have been buying houses in the area of sino-city and that, in addition to providing two-year social security or tax certificates, it is necessary to have a full score of 600 points to purchase。
According to the advisory opinion on the implementation of the business of talent (preliminary) in the yangtze region:
Persons who come to the city for start-up employment can obtain the right to purchase a house by issuing a direct certificate of talent, which is not restricted by their domicile and points of credit。
2. Suzhou's latest sales restrictions
There are also different policies for restricting sales, with some differences between new and second-hand houses。
New room:
As of 25 july 2019, the purchaser of a dwelling in the municipality of suzhou (i. E. The six regions) may not transfer it until three years after the date on which the real estate title certificate was obtained。
The city of zhang jia hong kong is limited to two years, and it is not limited to regulars, kunshan and taikura。
Second-hand room:
Second-hand houses in the suzhou metropolitan area (i. E., the six regions) may be transferred only after five years have elapsed since the acquisition of the real estate title certificate。
The city of zhang jia hong kong is limited to two years, and it is not limited to regulars, kunshan and taikura。
3. Suzhou's latest lending restrictions
Business, public funds, portfolio loans, mortgage rates, etc
At present, suzhou has two main forms of loans for house purchases: commercial loans, provident fund loans and portfolio loans。
Commercial loans
The share of down payment for home purchases in suzhou is essentially as follows:
There are also clear signs of easing the interest in mortgage rates。
According to the latest survey conducted in early november, the first set of loans was at a minimum of 5. 6 per cent, and the lending cycle was accelerating, with the fastest two to three weeks, and overall improvements in the credit environment in suzhou in the four quarters were welcome。
The following data are provided for information purposes only and the implementation rate depends on the client's own circumstances, cooperative housing, etc。
Provident fund loans:
Because of low interest rates, a number of home buyers would also opt for a provident fund loan. Extension reading: in suzhou, 20 per cent of first-rate home purchases at 3. 25 per cent
The current interest rate on sioux county provident fund loans is as follows:
In the case of a second use of the provident fund loan, the interest rate on the loan is set at 10 per cent of the base rate of the provident fund loan。
Down payment of provident fund loans:
Status of the provident fund loan lines:
In addition, the expatriate provident fund can also be used to purchase housing on suzhou loans。
On 20 may, the shanghai city provident fund management centre issued a circular stating that, as of 20 may, employees of the city who had contributed to the housing provident fund were able to apply for the withdrawal of the balance of the municipal housing provident fund account to be used to repay offshore housing loans by purchasing owner-occupied housing in u jiang district, suzhou city, and ka-sung county, ka xing city。
Since 11 june, the housing provident fund has been deposited in provinces and municipalities outside the administrative area of suzhou city, with the exception of the campus, which supports non-sioux state loans as long as they meet the sioux city purchase conditions
4 suzhou house purchase tax, etc
In addition to the purchase of the new house and the second-hand, certain taxes and fees are required。
New room:
The tax on new houses is relatively simple, and is mainly due to tax dues, housing maintenance funds, miscellaneous charges, etc. Of which new deed tax -
With regard to the housing maintenance fund, the elevator room is 120 yuan/square and the multi-storey without elevator room 75 yuan/square (currently the market goods room is mostly elevator room)。
There are also miscellaneous charges for the new room; property charges are common at three cents per month and parking spaces at 10 w per month, depending on the project。
Second-hand room:
Costs associated with second-hand house transactions include, inter alia, vat and surcharges, deed tax, personal income tax, brokering fees, etc。
1. Value added tax and surcharges
Under two years, ordinary and non-ordinary dwellings are subject to vat at an average rate of 5. 6 per cent; after two years, ordinary dwellings are exempt from vat and non-ordinary dwellings are subject to vat。
Personal income tax
Individual income tax is exempt from personal income tax if it is the sole home of the family and has been purchased for more than five years; if not, it is paid at 1 per cent。
3. Taxed first suite
Up to 1 per cent tax, up to 1 per cent tax, up to 1. 5 per cent tax。
4. Second-hand room intermediaries'services
The average is between 1 and 3 per cent of the transaction price of the house, as agreed by the intermediary。
The above relates to specific taxes and charges, interest rates on bank loans, etc., whichever is actual, for reference only
6 suzhou's latest housing policy
At present, suzhou is divided into three main types of settlement: talent introduction, segregation and settlement。
Talented:
The introduction of talent into the home is intended for highly educated, working and skilled groups, which are easily operational and can be settled in suzhou within a month at the most。
It should be noted that there is a certain age limit。
How are applicants introduced? Here comes the suzhou! The undergraduates are straight down
In case of doubt in the process of introduction of talent, you can call an official telephone call and see the long map by moving or clicking。
