Legal basis: Opinions of Hangzhou Municipal People's Government on strengthening the construction of affordable housing, supporting self-occupied and improved housing consumption, and promoting the healthy and stable development of the real estate market.
(ten) continue to implement the purchase policy. The implementation scope of the housing purchase policy for households has been expanded from Hangzhou Economic Development Zone, Hangzhou High-tech Development Zone (Binjiang) and Qianjiang New City to Shangcheng District, Xiacheng District, Xihu District, Jianggan District and Gongshu District. The property buyers are non-registered residents in Hangzhou (excluding overseas personnel), and the total price of single house (including stock house) purchased in Shangcheng District and Qianjiang New City is more than 6,543,800 yuan (inclusive), or the total price of single house (including stock house) purchased in Xiacheng District, Xihu District and Jianggan District, Gongshu District and Hangzhou High-tech Development Zone (Binjiang) is 800,000 yuan (inclusive) or The specific operation measures shall be implemented according to the Notice of the General Office of Hangzhou Municipal People's Government on Forwarding the Pilot Measures for Foreigners to Purchase Houses in Hangzhou (Hangzhou Zhengban [2006] No.6).
(eleven) to relax the housing provident fund loan policy. The maximum amount of housing provident fund loans for each family is 800,000 yuan, and the maximum amount of personal housing provident fund loans is 500,000 yuan. The loan applicant may apply for a housing provident fund loan after establishing a housing provident fund account for 6 months. The longest term of housing provident fund loans is adjusted from 60 years old for men and 55 years old for women to 65 years old for men and 60 years old for women. The down payment ratio for the purchase of commercial housing shall not be less than 20%.
For residents who have already purchased a set of housing with loans, if they borrow again to purchase a second set of ordinary housing in order to improve their living conditions, the preferential policy of purchasing ordinary self-occupied housing with the first set of loans shall be implemented mutatis mutandis. Workers who buy self-occupied housing again to improve their living conditions can apply for a second provident fund loan after the first provident fund loan is settled, and the loan amount will be implemented for the first time. If other loans are used to purchase the second and above houses, the loan interest rate shall be reasonably determined by the commercial bank on the basis of the benchmark interest rate.
For employees and their spouses who need to withdraw provident fund due to reasons such as repayment of housing loans and payment of rent, the annual withdrawal limit will be relaxed and the monthly loan repayment business will continue. Employees' immediate family members (parents, children) who purchase owner-occupied housing may apply for withdrawal of employee housing provident fund, and the total withdrawal amount shall not exceed the total purchase price.
Allow Hangzhou District, county (city) to handle housing provident fund loan procedures in different places. For employees who use housing provident fund loans to buy self-occupied housing, Hangzhou Provident Fund Center will subsidize the interest of provident fund loans by 30%, and the subsidy period will expire on February 36, 20 1 0.
(twelve) simplify the tax declaration procedures for stock housing transactions. Taxpayers who sell their own houses and buy new houses within one year before and after the sale will no longer receive personal income tax deposits.
(XIII) Continue to implement the policy of family children 18 years old to buy a second set of housing, which can be compared with the first set of housing loans.
(fourteen) continue to suspend the collection of real estate registration and other related fees. From 20 10, 1, to 20 10, 12, 3 1, buy Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District, Hangzhou High-tech Development Zone (Binjiang), Hangzhou West Lake Scenic Area, Hangzhou.
Real estate transaction fee and ownership investigation fee are charged.
skill
The above answer is only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.