What are the first home loan policies in Shanghai?
Shanghai's first home loan enjoys preferential policies for mortgage interest rates. Of course, many people may not know the definition of the first house. It is required that the buyer is over 18 years old, and the purchased house is an ordinary house of 90 square meters or less. There is no house purchased by the buyer alone or jointly with others. As long as these conditions are met, he can enjoy the first home loan policy.
What is the down payment ratio for buying a house in Shanghai?
For residents who buy the first home, if the loan is mainly commercial, the down payment ratio shall not be less than 30%; Of course, due to the improvement of economic conditions, many people will choose to buy a second suite when they have money. The so-called second suite refers to people who have no housing in Shanghai but have commercial housing loan records or provident fund housing loan records and own 1 suite housing in Shanghai. The down payment ratio of the second suite should be no less than 50%.
How much is the deed tax for the first suite in Shanghai?
According to relevant data, if you buy a house with a building area of less than 90 square meters in Shanghai, the deed tax will be paid at 1%, and will be levied at 1.5% before the building area of 90 square meters reaches 144 square meters, and the house with a building area of 144 square meters will be levied at 3%. In addition, the preferential deed tax for the first suite in Shanghai means that if a certificate can be issued, it will show that it is the first time to purchase a house.
What is the standard for the first suite in Shanghai?
1. I bought a house with a loan, but it has been paid off. At this time, I want to borrow money to buy a house, which is the first suite; As long as you can't find the property in the housing registration system, you can find the loan record in the bank credit information system, and then borrow money to buy a house as the first suite; I bought a suite in full, and the loan to buy a house was the first suite.
2. If you buy a suite in full and then sell it, the relevant system will not find the existence of the property. At this time, you can borrow money to buy a house as the first suite; At the same time, there are commercial loan records of two suites under the personal name, which have been paid off and sold, and two sets of housing sales certificates can be provided at the same time. In this case, when refinancing, the first suite is included.
Summary: Well, that's the introduction of Shanghai's first home loan policy. I hope I can give you some help. I believe that in the process of the introduction of the first home loan policy in Shanghai, friends will feel more at ease and get their own satisfactory answers.