Our country has some preferential policies for the disabled, not only some preferential subsidies in life, but also corresponding preferential policies when buying a house, so you should know these policies before buying a house, so as not to enjoy the preferential policies here because you don't understand them. Today, this article will share with you what are the preferential policies for disabled people to buy a house? What are the criteria for determining the first home loan?

What are the benefits of housing loan policy for the disabled?

Preferential policies for housing loans for the disabled can refer to Article 5 of the Individual Income Tax Law of People's Republic of China (PRC). Individual income tax can be reduced or exempted according to the income of the disabled, that is to say, individual income tax can be reduced or exempted, but it is not reduced or exempted, and it needs the approval of the local tax authorities.

1. Article 8 of the Provisional Regulations of the People's Republic of China on Business Tax stipulates that services provided by individuals with disabilities are exempt from business tax.

2. Article 36 of the Law of the People's Republic of China on the Protection of Disabled Persons stipulates that the state shall cancel administrative fees for disabled persons engaged in self-employment.

3. According to Article 19 of the Regulations on Work for Disabled Persons, the State encourages and supports disabled persons to choose their own jobs and start their own businesses. Persons with disabilities who are engaged in self-employment shall be given preferential tax treatment in accordance with the law, and taken care of in business premises and other related aspects, and administrative fees such as handling, registration and license shall be exempted in accordance with the regulations. The state provides micro-credit and other support for disabled people to choose their own jobs and start their own businesses within a certain period of time.

What are the criteria for determining the first home loan?

First, I used to borrow money to buy a house, and the mortgage has been paid off. Now I want to borrow money to buy a house.

Second, I used to borrow money to buy a house. However, the house was sold. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system. Now you want to buy a house with a loan.

Third, I used to buy a house in full, but now I want to buy a house with a loan.

4. I used to buy a house in full, but this house was later sold, and there is no real estate in the housing registration system. Now I want to borrow money to buy a house.

I have the commercial loan records of two suites in my name, but all of them have been paid off and sold, and now I want to borrow money to buy a house.

6. There are two suites in my name, one is a commercial loan and has been paid off, and the other is a provident fund loan. But I have sold it, and I can provide proof of sale. Now I want to apply for a commercial loan to buy a house.

Seven, husband and wife, before marriage, one party has a property without a loan record, but the other party has five properties with a loan record, and wants to borrow money to buy a house after marriage.

Eight, husband and wife, before marriage, one party has a set of commercial loans, the other party has a set of provident fund loans, and the loans have been paid off. After marriage, the two want to borrow money to buy a house in the name of both husband and wife.