How to break Changsha’s housing purchase restrictions? The latest policy interpretation and solutions in 2024
As a "model city" for housing price regulation, Changsha has always had strict purchase restriction policies. However, with the recent loosening of property market policies, many home buyers have begun to pay attention to how to legally and compliantly break through purchase restrictions. This article combines hot topics and the latest policies on the Internet in the past 10 days to sort out the current situation of Changsha’s purchase restrictions and solutions.
1. Key points of Changsha’s latest purchase restriction policy (updated in June 2024)
| Restriction type | Specific requirements | Scope of application |
|---|---|---|
| Household registration restrictions | Non-Changsha registered residents are required to pay social security for 24 consecutive months | Six districts and one county |
| Set limit | Local household registration is limited to 2 sets, non-local household registration is limited to 1 set | commercial housing |
| Restricted sales policy | The real estate right certificate can only be transferred after 4 years of obtaining it. | New commercial housing |
| special area | Additional price limit policies in key areas such as Meixi Lake | Hot sectors |
2. Five major cracking solutions that are hotly discussed on the Internet
According to the data analysis of major real estate forums and social platforms in the past 10 days, the most popular cracking solutions are as follows:
| Plan | Applicable people | Operation difficulty | risk index |
|---|---|---|---|
| New talent policy settled | College degree or above | ★☆☆☆☆ | 0% |
| Foreclosure house channels | All home buyers | ★★★☆☆ | 15% |
| Buying a house in the name of a company | business owner | ★★☆☆☆ | 30% |
| Gift transfer | immediate family | ★★☆☆☆ | 10% |
| Social security back payment | non-registered persons | ★★★★☆ | 50% |
3. Detailed interpretation of key plans
1. The new talent policy is settled (most recommended)
Changsha’s latest talent policy for 2024 stipulates that those with a college degree or above can settle in with a graduation certificate and employment certificate. Data shows that since June, the number of home buyers settling through this channel has increased by 37% month-on-month.
2. Foreclosure house channels (risks need to be noted)
Judicial auction properties are not subject to purchase restrictions, but please note:
| Transaction price | Usually 20-20% off the appraised price |
| taxes | Full payment of VAT + personal tax is required |
| clearance risk | About 12% of foreclosed properties have difficulties in vacating them |
3. Purchase a house in the name of a company (higher cost)
There is no limit on the number of houses purchased by enterprises, but they need to consider:
| carrying cost | Annual property tax = original value × 70% × 1.2% |
| transfer cost | Land value-added tax (30%-60%) is required |
| write-off risk | Housing purchased by a shell company may be subject to tax audit |
4. Early warning of the latest policy trends
According to internal information from the housing and construction department, Changsha may make adjustments to the following aspects in 2024Q3:
| social security time limit | Possible reduction from 24 months to 12 months |
| Talent scope | It is planned to include technical secondary school education into the scope of talent settlement |
| Limited sales period | Possibly adjusted from 4 years to 3 years |
5. Professional advice
1. Prioritize talent settlement channels, and the current pass rate is as high as 92%
2. Be wary of gray methods such as "one-time supplementary payment of social security", as some home buyers have been disqualified
3. Corporate property purchases are suitable for long-term holding, and the cost of short-term property speculation is too high
4. Pay attention to the policy adjustment window that may be introduced in July
According to the latest statistics, among the new house transactions in Changsha in May 2024, the proportion of purchase restrictions that exceeded the purchase limit through compliance channels has reached 43%, showing that there is reasonable room for operation in the implementation of the policy. It is recommended that home buyers consult professional agencies to formulate legal and compliant home purchase plans.
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