How to buy a house in Hangzhou
In recent years, Hangzhou, as a new first-tier city, has attracted a large number of talents and investors, and housing prices have also increased. How to buy the house of your choice in Hangzhou has become the focus of many people's attention. This article will provide you with a structured home buying guide based on the hot topics and hot content on the Internet in the past 10 days.
1. Current housing prices in Hangzhou
According to the latest data, housing prices in the main urban area of Hangzhou remain high, but prices in some emerging areas such as Future Science and Technology City and Qiantang District are relatively affordable. The following is a comparison of recent housing prices in various districts in Hangzhou:
| area | Average price of new houses (yuan/㎡) | Average price of second-hand houses (yuan/㎡) |
|---|---|---|
| Shangcheng District | 68,000 | 62,000 |
| West Lake District | 65,000 | 60,000 |
| Yuhang District | 42,000 | 38,000 |
| Qiantang District | 35,000 | 32,000 |
2. House purchase qualification policy
Hangzhou implements a purchase restriction policy, and different regions have different policies:
| area | local household registration | Non-local household registration |
|---|---|---|
| Eight districts of the main city | Purchase limit is 2 sets | 2 years of social security required, purchase limited to 1 set |
| Lin'an District | No purchase limit | No purchase limit |
3. House purchase process
1.Self-examination of qualifications: Confirm whether you meet the conditions for buying a house in Hangzhou
2.Fund preparation: The down payment ratio for the first home shall not be less than 30%, and the down payment ratio for the second home shall not be less than 40%.
3.Region selection:Choose a suitable area based on budget and work location
4.House viewing and house selection: On-site inspection can be done through intermediary or developer channels
5.Contract payment: Sign the house purchase contract and pay the down payment
6.Loan processing: If you need a loan, apply for a housing loan from the bank
7.Transfer of property: Complete the property transfer procedures and take delivery of the house
4. Recommendations for popular home buying areas
According to the recent market popularity, the following areas deserve attention:
| area | Advantages | Reference average price |
|---|---|---|
| Future Technology City | Digital economy industries gather and supporting facilities are complete | 45,000-55,000 |
| Qianjiang Century City | Surrounding the Asian Games venues, there is great potential for development | 50,000-65,000 |
| Liangzhu New Town | Profound cultural heritage and good ecological environment | 35,000-45,000 |
5. Things to note when buying a house
1.Verify developer qualifications: It is safer to choose a large and powerful developer
2.Pay attention to the property delivery time: Avoid buying properties with a high risk of delayed delivery
3.Understand district policies: Hangzhou school district divisions are subject to change and need to be confirmed in advance.
4.Calculate tax costs: In addition to the house payment, you also need to prepare deed taxes, maintenance funds and other expenses
5.Pay attention to subway planning: Hangzhou’s subway network is rapidly expanding, and properties along the lines have greater potential for appreciation.
6. Loan suggestions
The mortgage interest rates of major banks in Hangzhou have been lowered recently. The following are the latest interest rates of mainstream banks:
| bank | First home interest rate | Second house interest rate |
|---|---|---|
| ICBC | 4.1% | 4.9% |
| China Construction Bank | 4.1% | 4.9% |
| Bank of Hangzhou | 4.0% | 4.8% |
7. Future trends
According to expert analysis, housing prices in Hangzhou will remain stable in the short term, and there is still room for growth in some emerging areas. Recommended for home buyers:
1. Those who just need to buy a house can take advantage of the policy relaxation period to buy a house in time.
2. Be cautious when investing in property purchases, and choose core locations or areas with clear planning
3. Pay attention to Hangzhou’s talent introduction policy, and those who meet the conditions can enjoy housing purchase subsidies.
In short, buying a house in Hangzhou requires comprehensive consideration of policy, region, budget and other factors. I hope this article can provide you with valuable reference information, and I wish you good luck in purchasing a house!
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