Whether it is a second suite depends on your local policies, such as bank policies. At present, most cities in the country are calculated according to your situation, and you can use the provident fund to buy a house. The biggest difference between taxes and fees is that the deed tax of the first suite is 1.5, and that of the second suite is 3%. Other taxes and fees should be determined according to the situation of your house. Immediate family members don't need much tax. The main reason is that a reasonable charge will be higher, which is normal for your family. I hope it can be adopted. If you have any other questions, please add me qq768098646.
Second, can the mortgage loan of commercial housing be divided into stages by the longest life span of teenagers? Daliang, Shunde District, Foshan City!
If the house purchased is residential, the house purchased during the loan period is commercial housing, and the longest loan period shall not exceed 10 year. In addition, the age of the house purchased is generally not more than 15 years.
3. How many years can mortgage loans be phased?
Mortgage can be divided into 30 years.
Generally speaking, mortgage bank loans can last up to 30 years. The loan term of house mortgage loan is 1-30 years, and the long-term loan is 10 years, which can be adjusted according to individual circumstances.
If personal credit and other conditions are good, it is possible to borrow for 20-30 years, but in principle it will not exceed 30 years.
4. How many years can the mortgage be divided into installments?
360 issues in 30 years. At present, there are mainly the following types of loans to buy a house: 1, housing provident fund loans; 2. Personal housing commercial loans; 3. Individual housing portfolio loans. Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.