First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children);
Second, based on the total [1] area of family housing issued by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level;
Third, families who have used housing provident fund loans to buy houses and then applied for housing loans from commercial banks.
For families who borrow money to buy a second home, the down payment ratio is not less than 40%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate.
2065438+2005 Latest Second Suite Identification Standard
On September 30th, 20 14, the Notice of the China Banking Regulatory Commission of the People's Bank of China on Further Improving Housing Financial Services jointly issued by the Central Bank and the China Banking Regulatory Commission announced that financial institutions would implement the first-suite policy if families with 1 apartment settled their housing loans and applied for loans to buy houses again.
This is also referred to as "recognizing loans but not housing", so how to identify the second suite?
1. Loan to buy a suite, and then loan to buy a house after the commercial loan is settled-the first set-if the loan is not settled-the second set.
2. There is a commercial loan record of two suites under one's name. One set has been paid off and the other set has not been paid off. At this time, the loan is identified as more than two suites.
3. One spouse uses commercial loans to buy a house before marriage, and the other spouse uses provident fund loans to buy a house before marriage. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status. If the loan has not been paid off, it is more than two suites.
How to calculate the deed tax of the second suite?
Second-home deed tax refers to a kind of property tax levied on the property whose ownership has changed. Taxable scope includes: sale, donation and exchange of land use rights, house sale, house donation and house exchange. Housing deed tax payment, the first suite and the second suite are different, and the deed tax paid by different housing areas is different, so how to calculate the deed tax of the second suite?
The deed tax of the second suite is subject to the range tax rate of 3% ~ 5%. The implementation of the range tax rate takes into account the fact that China's economic development is unbalanced and the economic differences between regions are quite large. Therefore, the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government can decide the tax rate within the range of 3% ~ 5% according to the actual situation in their respective regions.
Tax scope: 1, assignment of state-owned land use right; 2. Transfer of land use rights, including sale, gift and exchange; 3. buying and selling houses; 4. House donation; 5. House exchange.
Time of payment: the tax obligation of deed tax occurs on the day when the taxpayer signs the land and house ownership transfer contract, or the day when the taxpayer obtains other certificates with the nature of the land and house ownership transfer contract.
Time limit for tax payment: A taxpayer shall file a tax return with the deed tax collection authority where the land and house are located within 0/0 day from the date when the tax obligation occurs, and pay the tax within the time limit approved by the deed tax collection authority.
After the taxpayer pays the tax, the tax collection organ shall issue a deed tax payment certificate to the taxpayer. Taxpayers with deed tax payment vouchers and other documents and materials shall go through the registration formalities for the change of land and housing ownership at the land management department and real estate management department according to law. The land management department and the real estate management department shall provide relevant information to the deed tax collection organ and assist the deed tax collection organ to collect the deed tax according to law.
(The above answers were published on 20 15-06-29. Please refer to the actual situation for the current purchase policy. )
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