What should I do if I buy a house in a collective household? Full analysis of the latest policies and solutions
With the acceleration of urbanization, the issue of collective housing purchase and settlement has become a hot topic recently. This article combines the hot data of the entire network in the past 10 days to sort out the latest policy developments and practical guidance for you.
1. Hotspots in policies for collective household purchase and settlement in 2023
| city | Policy points | Effective time |
|---|---|---|
| Guangzhou | Allow collective households to move directly into individual households by purchasing a house | 2023.09.01 |
| Hangzhou | Remove area restrictions for collective housing purchases | 2023.08.15 |
| Chengdu | Promote the dual-track settlement system of "house purchase + social security" | 2023.09.10 |
| Xi'an | To purchase a house in a collective household, one year of social security is required | 2023.07.20 |
2. Core issues in collective household purchase and settlement
1.Qualification determination:Most cities require collective households to have been employed for at least 2 years, and proof of employment is required.
2.Property requirements:Some cities still have minimum area restrictions (for example, Suzhou requires more than 60 square meters)
3.Material list:
| Material type | Specific content | Things to note |
|---|---|---|
| Proof of identity | Original + copy of collective household registration page | The official seal of the unit is required |
| Property certificate | House purchase contract/real estate certificate | Registration needs to be completed |
| social security certificate | Continuous payment record | Most cities require more than 12 months |
3. Four-step process
1.Pre-trial stage:Submit electronic materials through the "Government Service Network" (feedback within 3 working days)
2.Interview link:You need to bring the original documents to the household registration window for application.
3.Approval cycle:Usually 15-20 working days (Hangzhou has been shortened to 7 working days)
4.Household migration:After receiving the relocation permit, the original collective household unit must issue a move-out certificate
4. Comparative analysis of hotspot cities
| city | Processing time limit | special request | Increase in consultation volume |
|---|---|---|---|
| Shenzhen | 25 days | Academic certification required | +38% |
| Nanjing | 12 days | No area limit | +52% |
| Wuhan | 18 days | Residence permit required | +29% |
5. Expert advice
1.Plan ahead:It is recommended to start preparing social security and other materials 6 months before buying a house.
2.Policy tracking:Follow each city's "Public Security Micro-Police" official account to get the latest updates
3.Risk prevention:Be wary of "settlement package" intermediary fraud, similar cases have been exposed in many places recently
6. Typical case reference
The case of Mr. Zhang from Hangzhou: The whole process was completed through the "Zhejiang Office" APP. It only took 9 working days from submitting materials to getting the new household registration. The key point was that the real estate registration and social security verification were completed in advance.
Note: The statistical period of the data in this article is from September 1 to September 10, 2023. The policy may be dynamically adjusted. It is recommended to consult the local 12345 hotline to confirm the latest requirements before handling.
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