Price of 7 evaluation first loans, Shoufu 3, 15% benchmark interest rates downward float.

1, the couple name no room, no loans can apply first, foreigners married;

Before 2, minors and parents a total of more than housing, now apply to count the first set;

Before 3, adult and parents a total of 1 sets, now apply to count the first set;

4, at the time of divorce property and loans are divided to each other, in accordance with the first application (according to the court verdict, the property notarization, the divorce agreement).

4 into the price evaluation of two sets of loans, Shoufu 6, the benchmark interest rate broke surface 10%

1, husband and wife name 1 real, 1 loans, apply now calculates the 2 set;

2, husband and wife name 1 real, without credit, calculates the 2 set;

3, the couple's 1 sets or more sets of loans to settle, the name without real, calculates the 2 set;

4, the couple's multiple sets of loans to settle, currently owns 1 sets of real estate, calculates the 2 set;

5, the couple's multiple sets of loans to settle, currently owns 1 sets of real estate, 1 sets of loans in the 2 set.

Purchase qualifications in Shanghai special populationsIn addition to clear Shanghai household people and migrant people, outside people, there were aspects of the population belongs to special populations, such as the holding of various documents, but this is still relatively easy to distinguish, see him buy what documents can provide; and some of the special status of personnel, the following is a list of a few:

1, school students in shanghai:

In Shanghai attending college, undergraduate, master's students, can not directly buy with a collective account, must be moved back to the country of origin of household registration, in accordance with the non city residence households standards provide material can buy, namely or married, in Shanghai, a full year's social security or tax return, only to buy a set of.

The attending doctor in Shanghai, postdoctoral students, can directly buy with a collective account, but must be the name without any in Shanghai to buy residential property, need to issue the proof of school and school to school where the collective household registration certificate issued by the police station to buy, but also must be married, but without the need to provide personal income tax the duty paid proof.

2Holding the certificate of officers, soldiers:

① in Shanghai forces soldier: proof of service need to force office issued Army (in a full year), prove, forces without housing distribution provides officer certificate and identity card, and then can be regarded as non city residence, but without the need to provide personal income tax clearance certificates).

The non Shanghai troops: not to buy a house in shanghai. If married and their spouses meet the corresponding purchase qualifications, their spouses can buy residential property in shanghai.

[1] in the armed forces: which belongs to Shanghai army serviceman.

[II] non Shanghai troops: namely in the army after the original household registration has been cancelled and now belongs to non Shanghai military personnel.

I can buy a house?

purchase limit policy simply summarized as: Shanghai census register family can buy two sets, foreign residence must be married in Shanghai and pay social security or tax return to buy a, outside people can only buy a house in china. But if the purchase is Xu Hui District residential, Xuhui District trading center requirements than other trading center slightly firmer, divided into domestic and overseas, the difference between Shanghai household registration and residence abroad is still a tax, but overseas will have some special: Q: I hold is America passport, purchase what is needed in Xuhui District material, need to tax it Answer: the overseas purchase need labor contract, employment certificate, business license, all materials should be stamped with official seal, tax has always been to before, now under special circumstances or spot trading center. Q: generally now houses the buyer require a certificate, residence booklet, marriage certificate or a single proof, outside people need? Answer: outside if full pay property tax, deed tax, do not apply for tax relief, only need to provide documents can be, spouse information does not need to provide.

I was restricted to buy?

Limit purchase more complex policy is home purchase restrictions Shanghai census register family, (definition: residence of Shanghai people the purchase of household registration in Shanghai; if for married people, one spouse in Shanghai registered permanent residence is regarded as the whole family as Shanghai household register), which asked the most is involved my parents were in the name of whether property, with their parents a total of more than two sets whether also can be their own small family unit to buy. Mainly divided into the following several special:

1, (Shanghai people, family as a unit) with a total of not more than two sets of parents, their own name without housing, to the purchase of the two set. (the premise: my parents shared common before January 28, 2011);

2, (Shanghai people, family as a unit) with a total of not more than two sets of parents, his name has a, but to buy a. (the premise: my parents shared common before January 28, 2011);

3, (Shanghai people, family as a unit) with their parents no property, no property in his own name, to the purchase of the two set.

4Both husband and wife, and children, parents (five people), if apply for property tax relief (60 square meters per capita), need parents name without housing, to prove the parents with their residence together, for property tax that still need parents to the trading center. Note: after January 28, 2011 with the parents shared housing, even have their own separate property.

I can borrow?

Loan money policy: first loan and two sets of loans Shoufu ratio and the difference is that the loan interest rate, in addition to first-time home buyers real outside, and what can be regarded as the first. Two sets of ascertainment principle is to recognize the real (recognized by Shanghai) and recognized credit (that the), as long as the loan, regardless of whether the settlement or Shanghai have a property buyers are regarded as two sets of loans, but also which belongs to a special case: Q: when minors and their parents a total of 2 sets of houses now, their loan paragraph do still apply for the first

Answer: can to, when minors and their parents have multiple sets of real estate is not. Q: when minors own a property, now an adult apply myself, can apply for the first set of mortgage? Answer: can not, only have to calculate the self has name. Q: I have two home record in the field, have been settled, now apply for loans in Shanghai, can apply for the first? Answer: can not, multiple sets of loan settlement, the name without real or only one room or a loan, can only apply for the two.

Q: adults and parents shared house, but is now buy a house before marriage, marriage, can apply for the first?

Answer: can, but the production licence date must be before January 30, 2011, but is not is the main man, can apply for the first. Husband and wife property certificate the name change would not affect the full five years? All as long as couples to name, add or change, can be regarded as does not affect the production permit registration date, the original date to the production licence; but the birth certificate if there are children, parents name except.

Cases such as the original , Mr. Wang (unmarried) in 07 years purchase property only his name, then 09 years after marriage, he had her name to add 13 years to sell, still according to the calculation of 07 years age, as full five years, to pay tax in accordance with the full five years of residential; or only his name Mr. Wang 07 years buying property, now 09 years change king lady's name, 13 years sales or in accordance with the full five years to calculate taxes.