How to identify the first house in Shanghai
In recent years, as a first-tier city, Shanghai's housing prices have remained high, and its home purchase policy has also attracted much attention. In particular, the identification standards for first-time homes are directly related to key factors such as the down payment ratio and loan interest rate of home buyers. This article will combine the hot topics and hot content on the Internet in the past 10 days to analyze in detail the criteria for identifying first-time homes in Shanghai, and provide structured data for reference.
1. Recognition standards for first-time housing in Shanghai
According to the latest regulations of the Shanghai Municipal Housing and Urban-Rural Development Administration Commission, the identification of first-time homes is mainly based on the following aspects:
| Recognition conditions | Specific instructions |
|---|---|
| There is no house in the family’s name | Home buyers and their family members (including spouses and minor children) have no housing registration records in Shanghai. |
| No housing loan record | Homebuyers and their family members have no home loan history (including closed loans) nationwide. |
| only housing | The home purchased by the home buyer is the only home for the family, and the area does not exceed 90 square meters. |
2. The difference between first-time housing and non-first-time housing
There are significant differences in home purchase policies between first-time and non-first-time buyers. The specific comparison is as follows:
| Project | first suite | Non-first house |
|---|---|---|
| Down payment ratio | 35% | 50%-70% |
| loan interest rate | Base rate (currently 4.1%) | The base interest rate rises by 10%-20% |
| Deed tax rate | 1%-1.5% | 3% |
3. Special circumstances for the identification of first-time home owners
In actual operation, the following special circumstances may affect the identification of the first home:
| special circumstances | Identification result |
|---|---|
| Buying a house before marriage | If one party owned a house before marriage, the house purchased by the other party after marriage will still be counted as the first home. |
| Have a house in another place | If a home buyer does not own a house in Shanghai, but has a house in other cities and has a loan record, it will not be counted as the first home. |
| Demolition and resettlement housing | If the family only has a demolition resettlement house in its name and no other housing, it can still be recognized as the first home. |
4. How to check the qualifications for your first home
Home buyers can check whether they are eligible for their first home through the following channels:
| Query method | Specific operations |
|---|---|
| Online inquiry | Log in to the official website of the Shanghai Municipal Housing and Urban-Rural Development Management Committee and enter your personal information for query. |
| Offline inquiry | Bring your ID card, household register and other materials to the window of the real estate trading center in each district to inquire. |
| Bank consultation | Provide a personal credit report to the lending bank, which will assist in identifying it. |
5. Suggestions for buying your first home
For first-time home buyers, here are some suggestions:
1.Plan your budget ahead of time: Based on the down payment ratio and loan interest rate, reasonably plan the house purchase budget to avoid a break in the capital chain.
2.Pay attention to policy changes: Shanghai’s home purchase policies are subject to adjustment from time to time. It is recommended to regularly pay attention to the latest official information.
3.Choose the right area: Housing prices vary widely among districts in Shanghai. First-time home buyers can give priority to the outer ring or emerging areas, which are more cost-effective.
4.Consult a professional: If you encounter any questions during the house purchase process, you can consult a real estate agent or lawyer to ensure that your rights and interests are not harmed.
6. Summary
The criteria for identifying first-time homes in Shanghai involve many aspects such as family housing conditions and loan records. Home buyers need to carefully check their own conditions. There are significant differences in down payment ratios, loan interest rates, etc. between first-time home owners and non-first-time home owners. Proper use of first-time home owner qualifications can significantly reduce the cost of home purchase. It is recommended that home buyers do their homework in advance to ensure a smooth purchase.
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