How to register to buy an apartment? Interpretation of the latest policies and hot topics in 2024
In recent years, with the fluctuation of urban housing prices and the tightening of purchase restriction policies, buying an apartment has become the focus of many people's attention. This article will combine the hot topics on the Internet in the past 10 days to sort out the latest policies, precautions and hot city cases for buying and settling in an apartment.
1. Comparison of hotspot cities with apartment settlement policies in 2024
| city | Apartment settlement conditions | Additional requirements | Policy popularity |
|---|---|---|---|
| Guangzhou | Commercial and residential apartments above 40㎡ can be settled | Requires actual residence + social security for 6 months | ★★★★★ |
| Hangzhou | Apartments above 50㎡ can be settled | Full-time college degree required | ★★★★ |
| Chengdu | Apartments can be settled in some areas | The developer is required to register as a "residential apartment" | ★★★ |
| Nanjing | New apartments to be opened in 2024 | Apartments requiring 70 years of ownership | ★★★ |
2. Five core issues when buying and settling in an apartment
1.The nature of property rights determines the qualifications for settling in: Apartments with 70-year property rights can basically be settled. 40-50-year property rights depend on local policies. Commercial apartments are usually not allowed to be settled.
2.Area thresholds vary widely: Each city has different requirements for the minimum area of an apartment that can be settled. Guangzhou requires 40㎡, Hangzhou 50㎡, and some cities require more than 60㎡.
3.Educational packages need to be confirmed: Even if they can settle down, some cities stipulate that children settled in apartments cannot enjoy school district qualifications, so they need to consult the education bureau in advance.
4.Higher transaction taxes: Apartment transaction deed tax is 3% (residence 1-1.5%), transfer VAT is levied on the difference, and holding costs need to be calculated.
5.Lots of loan restrictions: Apartment loans usually start with a down payment of 50%, the interest rate increases by 10-20%, and the loan term is up to 10 years.
3. Recently searched apartment settlement cases
| Case type | Typical questions | solution |
|---|---|---|
| School District Eligibility Disputes | After an apartment owner in Hangzhou settled in, his children were refused admission to school | Confirm the Education Bureau’s zoning policy in advance |
| Property rights disputes | Chengdu's "residential apartments" are actually commercial in nature | Check original land use |
| Delay in settlement process | Guangzhou apartment cannot be settled due to failure to pass fire inspection | Request the developer to provide proof of acceptance |
4. 3 suggestions for buying an apartment and settling in it in 2024
1.Check local rules: The policies of different cities in the same province may vary greatly. For example, in Guangdong Province, only Guangzhou is open to apartment settlement.
2.Verify project qualifications: Focus on confirming whether the "five certificates" are complete, especially the land uses specified in the construction land planning permit.
3.Calculate comprehensive cost: Compare whether the price difference between a house and an apartment is enough to cover the additional expenses such as education, taxes and fees after settling in.
5. Tracking the latest policy developments
According to the latest news in June, Nanjing plans to expand the scope of apartment settlements, and Suzhou Industrial Park is piloting an "apartment degree" system, while Beijing and Shanghai still strictly restrict apartment settlements. It is recommended that home buyers check the local public security bureau’s household registration section for policy updates once a month.
To sum up, buying an apartment and settling in it is a "curved way to save the country" and is suitable for people with limited budget but urgent need to settle down. However, it must be noted that there are large variables in the apartment settlement policy. It is recommended to conduct a risk assessment before purchasing and give priority to projects that have been clearly written into local regulations.
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