A review of Shaoxing's housing purchase policy

1. Cases of "God's Operation"

"God's Operation" emerge one after another. With the rising house prices, there are more and more ways for people to save money by buying a house.

Almost every time the government introduces a new policy, there will be a new "divine operation", even several. As the saying goes, there are policies and countermeasures, but like the "God Operation" in the video, although it does not violate the laws of our country, the actual operation is risky. Xiaobian suggests that you do not imitate it. After watching this video, Xiao Bian specially asked the staff of the Housing Management Office about the sale of second-hand houses and the inheritance of houses between parents and children, and shared it with you here!

2. What taxes do you need to pay for the normal sale of second-hand houses?

Special note:

Shaoxing will not be connected to the Internet in the short term!

number of units: only the number of houses with certificates in the local area+the number of houses with loans across regions (including the whole country) is recognized.

For example:

There are four houses in Yuecheng District, only one of which has a loan, and there is no house in Keqiao District.

if you want to buy a new house in keqiao district, the loan is calculated according to the second set, and the tax is calculated according to the second set.

3. Family inheritance transfer method

Family inheritance transfer method:

Method 1: Gift? * * * 3.1%

Method 2: Purchase and sale form (see the above-mentioned second-hand housing transaction tax form)

Generally, whichever is cheaper, most of them suggest to transfer ownership by purchase and sale!

The difference between them:

Giving can indicate to whom (who owns it alone) similar premarital property is given;

The form of sale belongs to the marital property of the children.

For example:

If a father has an 88-square house worth 1 million and has lived there for five years, and it is the only house in the family, he wants to inherit it to his son.

according to option 1, the transfer fee is 31, yuan.

according to the second scheme, a * * * will generate the following expenses:

buyer: deed tax of 1,-3, yuan (according to the number of houses owned by children)

seller: business tax and personal income tax will be exempted. * * * RMB ,. Yuan (only one over five).

4, Shaoxing's house purchase policy is sorted out

A. Loan policy:

1. Cross-regional purchases are not limited, and loans are not recognized;

2. There is no loan record in the name or the loan has been settled, with a down payment of 3% and an interest rate increase of 1%;

3. There is a set of outstanding loans in the name, with a down payment of 4% (consult the bank according to different banks and policies), and the interest rate will rise by 15-2%;

4. There are 2 sets of outstanding loans in the name, which need to be paid in one lump sum;

B. Provident fund policy:

Application conditions

1. Continuous housing provident fund deposit for more than 6 months;

2. Both husband and wife are employed in other cities, and one of them or their spouse must be registered in Shaoxing;

3. The loan applicant, * * * and the applicant or * * and the applicant's spouse have not applied for using the housing provident fund loan, or the first housing provident fund loan has been settled;

Provident fund loan amount:

1. The loanable benchmark amount = (the average monthly balance of the housing provident fund account of the loan applicant in the past 12 months+* * is the same as the average monthly balance of the applicant's housing provident fund account in the past 12 months) × multiple (1 times that of the urban area), and less than 12 months are calculated according to the actual number of months;

2. For purchasing commercial housing, the loanable amount shall not be higher than 8% of the transaction price of the house;

3. The guaranteed loan policy is implemented, and the guaranteed loan amount of the whole city is not less than 15, yuan;

4. Not higher than the maximum amount stipulated by the Municipal Housing Provident Fund Management Committee;

C. Sales restriction policy:

After October 13, 217, newly purchased houses (including newly-built commercial houses and second-hand houses) in Shaoxing City (Yuecheng District, Keqiao District, Shangyu District, Paojiang Development Zone, Binhai New City) must obtain the certificate of immovable property rights for two years before they can be transferred. (For those purchased before October 13, 217, they will be signed by the transaction contract network.

for example, if you buy a house that is expected to be delivered in January 223 in 22, you can get a certificate around May 223 and start counting the years. It can only be sold in May 225! (The time of the distribution certificate is regulated according to the real estate).

D. Settlement policy:

1. Parents and children rely on each other;

2. Husband and wife take refuge;

3. grandparents and grandchildren rely on each other every other generation;

4. Retirees and educated youth return to settle down;

5. Purchase commercial housing and settle down;

6. invest, do business and pay taxes;

7. Work and settle down;

8. College graduates or above have settled down;

9. Graduates from technical secondary schools and technical schools settle down;

1. Transfer personnel to settle down;

E, online signing process and policy: