1. If an individual purchases an ordinary house, and the house is the only house in the family, and the unit area of the purchased ordinary commodity house is less than 90 square meters (including 90 square meters), the deed tax shall be executed according to 1%;
2. If the apartment area is 90 square meters to 144 square meters (including 144 square meters), the tax rate will be halved, that is, the actual tax rate will be1.5%;
3. If the area of the purchased dwelling exceeds 144 square meters, the deed tax rate is 3%.
Second, the second suite payment provisions are as follows:
Purchase non-ordinary houses, two or more houses and commercial investment properties (shops, office buildings, business apartments, etc.). ) are taxed at the rate of 3%.
How much is the down payment for the third home loan?
1. Can't get a loan to buy a third house. At present, most banks do not accept the mortgage loan request for the third house.
2. It is not good to ask for a loan to buy the third suite. Although the policies of most regions do not support the loan request for the third home, a few regions have relaxed the purchase restriction policy, and some regions can now request the mortgage loan for the third home.
3. Asking for a loan to buy a third house will require a higher down payment. Generally speaking, most banks will require applicants to prepare 70% or 80% down payment before making a request.
4. The loan interest rate of the third suite will also be higher. On the other hand, the higher the loan interest rate, the greater the repayment pressure of the borrower.
What is the direction of the third home loan?
The news that the bank responded is that the three-suite loan suspension policy has been strictly implemented. When this policy can be frozen is anyone's guess now. At present, there are a lot of cancellation of check-out, and some customers who have paid the deposit but have not made it clear that they have checked out have chosen to look around temporarily.
Under the influence of the tightening of credit policy, commercial banks around the country have recently shown a busy phenomenon of "backdating". Now I am working overtime to approve mortgage customers who have already made requests. If their process has now reached the stage of the president's signature and approval, what they are doing now is to try to report some customers who have not signed this month. This practice has been proved by the sales staff in this city and other places. Although most banks have suspended the third home loan, bankers in Shanghai and other places said that they are still waiting for the final local rules to be issued and form a unified operation method.