You can write your name on the real estate license, and it will be safe to notarize it. If you quote, you can quote less, but the gap is not too big. As for the cost of second-hand housing transactions, I will list it for you: 1. The tax payable by the Buyer is 1, and the deed tax is 65,438+0.5% of the house price (3% for the area above 144 square meters, and1%for the area below 90 square meters); 2. Transaction cost: 3 yuan. 5. Agency fee: 1% 2. Taxes payable by the seller: 1, transaction fee: 3 yuan /㎡2, business tax: 5.5% difference (if the property ownership certificate is less than 5 years) 3. Personal income tax: 20% of the profit of real estate transaction or 1% of the house price (if the real estate license is more than 5 years old and unique).
2. What is the interest rate of the second home loan in Nanjing?
Nanjing's second home loan interest rate is divided into two types, the second home loan provident fund loan interest rate and the second home loan commercial loan interest rate, both of which will rise above the national benchmark interest rate. Among them, the interest rate of commercial loan for the second home rises 10% to 30%, and the interest rate of provident fund loan for the second home rises 10%.
Third, the down payment ratio of the second suite in Nanjing
Calculate how much it will cost to decorate your home. In recent years, with the in-depth development of China's urbanization process, the number of urban population has soared, which has also brought about an increasing demand for real estate. In order to alleviate the contradiction between insufficient supply and excessive demand of real estate, the Nanjing Municipal Government has issued a series of policies to restrict the purchase of real estate, including increasing the down payment ratio of second homes. What is the specific situation? Let's get to know each other.
1, down payment ratio of Nanjing Second Suite
The down payment ratio of the second apartment in Nanjing, in addition to the impact of the first purchase and second purchase policies, is mainly related to the regulations formulated by the bank. For example, the down payment ratio of the second suite in some banks can be as low as 30%, some banks can be as high as 60%, and some banks will appropriately increase the down payment ratio of foreign household registration buyers. At the same time, when buying a second house in Nanjing, the loan interest rates of major banks generally rose by about 10%.
2. Appraisal of the Second Suite in Nanjing
There are three situations that will be identified as the second suite. First of all, the first commercial mortgage loan has not been repaid, and now we have to borrow to buy a house. Secondly, there are already two properties under the name of family members, one of which has paid off the loan and the other is still repaying the loan, and now it is necessary to borrow again to buy a house. Finally, one of the husband and wife bought a house with a loan before marriage, and one or both of them bought a house in the same name after marriage.
3. The latest policy of Nanjing portfolio loan
If there is no house in the name of a family member, the down payment ratio needs to be paid 30%. Provident fund loans that have been used twice cannot be used again. For 1 apartment whose loans have been settled in the name of family members, the down payment ratio of commercial loans is 30%, the minimum loan interest rate is 70% of the benchmark interest rate, the down payment ratio of provident fund loans is 30%, and the loan interest rate is 1. 1 times of the benchmark interest rate.
Summary after editing: The above is the answer to the relevant content of "Nanjing Second Suite Down Payment Ratio", hoping to bring some reference help to friends in need. In addition, we need to remind everyone that Nanjing does not support the use of provident fund loans to buy a third property.
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