How can I buy a house in Beijing if social security is not enough? Full analysis of the latest policies and alternatives
Recently, Beijing’s home purchase policies and social security requirements have become hot topics. Especially for home buyers who have insufficient years to pay social security, how to solve the problem of home purchase has attracted widespread attention. The following are the hot topics and structured data analysis on the Internet in the past 10 days.
1. The latest policy on social security requirements for house purchases in Beijing (2024)
| House purchase type | Social Security/Individual Tax Requirements | special regulations |
|---|---|---|
| Beijing family | No social security requirements | Purchase limit is 2 sets |
| Non-Beijing families (commercial housing) | Social security/personal tax for 5 consecutive years | Continuous payments are required, and additional payments are invalid. |
| Non-Beijing families (shared ownership housing) | Social security/personal tax for 5 consecutive years | Relaxed to 3 years in some areas |
2. 4 solutions to insufficient social security
1.Subscription for shared property housing: Tongzhou, Daxing and other regions have piloted lowering the social security threshold to three years, and the average price is about 50% of the surrounding commercial housing.
| Project name | Average price (yuan/㎡) | Property rights ratio |
|---|---|---|
| Daxing Xingguangli | 28,000 | The government accounts for 30% |
| Tongzhou Happy Graceland | 32,000 | The government accounts for 40% |
2.Foreclosure house channels: Not subject to the purchase restriction policy, but you need to pay attention to potential risks. The transaction data of Beijing’s foreclosure houses in the past 10 days show:
| area | Average transaction price (10,000 yuan) | premium rate |
|---|---|---|
| Chaoyang District | 520 | 15% |
| Haidian District | 680 | 22% |
3.Commercial office real estate: There are no purchase restrictions for apartment products, but you need to pay attention to the property rights period (usually 40-50 years) and the difference in living costs.
4.Buying a house in the name of a company: When a registered company purchases commercial housing, it is required to bear an annual property tax of 0.84%.
3. Comparison of house purchase costs in hotspot areas
| area | Average price of commercial housing (yuan/㎡) | Average price of shared ownership houses | Social Security Alternatives |
|---|---|---|---|
| Chaoyang District | 85,000 | 45,000 | Foreclosure/Corporate Purchase |
| Fengtai District | 62,000 | 35,000 | Shared property housing |
4. Expert advice
1. Those who are 1-2 years behind in social security can try the individual tax back payment plan, and must provide proof of tax payment for 60 consecutive months.
2. Consider buying a house in areas around Beijing, such as Yanjiao (average price 18,000 yuan/㎡), which only requires 1 year of local social security
3. Pay attention to the "Fangshan Pilot Policy" and it is expected that a green channel for talents to purchase houses may be launched in Q3 of 2024.
5. Risk warning
1. It is illegal to apply for social security on behalf of others and may be fined up to 100,000 yuan.
2. Foreclosure houses have hidden debt risks, and 30% of funds need to be reserved to deal with emergencies.
3. The tax on the transfer of commercial real estate is as high as 30%-50%, and the liquidity is poor.
According to the latest data from the Housing and Urban-Rural Development Commission, in 2024, approximately 123,000 non-Beijing households in Beijing will have their purchases restricted due to social security issues, but the number of successful home purchases through alternative plans has increased by 37% year-on-year. It is recommended that home buyers choose compliance channels based on their own circumstances, and may also pay attention to the upcoming "affordable rental housing" policy (expected to be implemented by the end of 2024).
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