The interest rates for less than 5 years (including 5 years) and more than 5 years are adjusted to 2.6% and 3. 1% respectively. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively. In June 5438 +2023 10, the interest rate of the first home loan in Zhengzhou and Fuzhou was lowered to 3.8%.

What are the latest preferential policies for buying a house for the first time?

Buying a house is almost something that many people have to experience, and the preferential policy of buying a house for the first time is beneficial to everyone who buys a house for the first time, so Bian Xiao suggested that everyone should understand it carefully. The following is the specific content of preferential policies for first-time home purchase summarized by Bian Xiao.

Preferential policy for first-time home purchase

When buying a house for the first time, the minimum down payment is 2 floors, and you can enjoy 8.5% discount on the current bank interest rate, 3 floors down payment and 20% discount on the interest rate. If you deposit the housing provident fund, you can use the provident fund loan, and the interest rate of the provident fund loan is 3.85, so you can enjoy the financial preferential tax refund for the first purchase.

First, for individuals who purchase ordinary houses of 90 square meters or less for the first time, the deed tax rate will be temporarily reduced to 1%, and the municipal real estate trading center will issue the first purchase certificate.

Two, personal sales or purchase of housing temporarily exempt from stamp duty.

Three, individual sales of housing temporarily exempt from land value-added tax.

Four, to provide loans to residents for the first time to buy ordinary self-occupied housing and improved ordinary self-occupied housing, the lower limit of the loan interest rate can be extended to 0.7 times the benchmark loan interest rate, and the minimum down payment ratio is adjusted to 20%.

Five, reduce the interest rate of individual housing provident fund loans, the interest rates of each grade were reduced by 0.27 percentage points.

Six, individuals will buy more than 2 years of ordinary housing for sale, individuals do not bear business tax.

Seven, personal transfer for more than 2 years, and is the only family living room income, individuals do not bear personal income tax.

Eight, the purchase of self-occupied ordinary housing, housing provident fund loans minimum down payment ratio is adjusted to 20%. For families who purchase self-occupied ordinary housing for the first time and meet the loan conditions, the maximum loanable amount of basic provident fund for each household will be increased from 200,000 yuan to 300,000 yuan, and the maximum loanable amount for each household will be 600,000 yuan. If there is supplementary housing provident fund, the maximum loan limit for each household is 800,000 yuan.

Nine, exempt from the housing registration fee for individuals to buy ordinary housing and the housing transaction (transfer) fee for individuals to buy and sell ordinary housing stock.

Ten, adjust the city's ordinary housing standards. The specific provisions shall be announced separately by the departments of housing management, land planning, finance and taxation.

Eleven, continue to intensify the transformation of the old city, focusing on the implementation of a second-class old housing renovation, "demolition, renovation, retention" simultaneously, and strive to improve the housing conditions of residents in the old city.

Twelve, establish and improve the housing security system, increase the supply of low-rent housing through acquisition, increase the intensity of physical distribution, expand the scope of low-rent housing rental subsidies, and solve the housing difficulties of low-income families.

Thirteen, strengthen the integration, monitoring and analysis of market information and basic data, and establish a real estate market information release system. Further standardize the market operation behavior of real estate development enterprises and intermediary enterprises, strengthen the management of the real estate market, implement the supervision of the transaction funds of stock houses, and effectively protect the legitimate rights and interests of buyers.

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Provident fund loan interest rate 2023

The first and second suites:

Because the interest rate of housing provident fund is implemented in accordance with relevant laws and regulations and will be adjusted at any time with the adjustment of legal interest rate, the interest rates are not exactly the same. When employees buy the first suite, the interest rate is 2.6% within five years, and the loan interest rate for more than five years is 3. 1%. The interest on the first suite is slightly more favorable, and you can use the provident fund of both husband and wife. If it's a second house for a worker's family, the interest rate is 3.025% within five years and 3.575% for more than five years.