Core Insights - Recent policy changes have significantly simplified the process for non-local residents to purchase homes in various cities, reducing the requirements for social security and residency proof [1][2][3] - Cities like Changsha and Xi'an have relaxed their regulations, allowing individuals to apply for home purchases with just two years of social security contributions and a residency permit [1][2] - The self-service transaction model in Hangzhou has emerged, enabling buyers to complete the entire process without intermediaries, which can save substantial fees [1][2] Summary by Categories Policy Changes - Many cities are aligning their requirements to three core conditions: either social security or individual income tax records, along with proof of no property ownership [2][3] - Xi'an has reduced the social security requirement from five years to two years, and now allows residency permits as an option [1][2] - Changsha has eliminated the need for a purchase proof for first-time buyers, making the process more accessible [1] Transaction Process - The self-service transaction model in Hangzhou allows buyers to complete the process through notarization without the need for a real estate agent, which can save thousands in fees [1][2] - A couple successfully completed a "mortgage transfer" without needing to pay off their loan first, demonstrating the flexibility of the new system [2] Local Variations - There are still local differences in requirements; for instance, in Xi'an, a one-year residency is needed for first-time buyers to bypass social security requirements [3] - It is advised to verify local regulations by contacting housing authorities, as online information may not always be accurate [3]