Invest in the ownership of land and houses at a fixed price, take shares, pay off debts with the ownership of land and houses, inherit the ownership of land and houses by winning prizes, and inherit the ownership of land and houses by purchasing or raising funds in advance. The deed tax is subject to a proportional tax rate of 3%-5%. At present, deed tax has become a fixed source of local fiscal revenue, and the local deed tax revenue in China is rising rapidly. Different types of land and houses have different ownership transfer methods, and deed tax pricing methods are also different.

The average price of all kinds of houses is lower than the market guidance price of the housing authority in each district.

(1) The deed tax for the area of the first house of the Buyer is less than 90 square meters, accounting for 1% of the appraised price.

(2) The first deed tax of the Buyer's area is more than 90 but less than 144 m2, which is 0.5% of the appraised price.

(3) The area of this area higher than the market guidance price is equal to or greater than 144 square meters, and the buyer is not the first set of second-home property deed tax or more than two-home property deed tax, accounting for 3% of the appraised price.

〓 New policy of deed tax on apartments,

The proportion of real estate deed tax payment has not changed, and the deed tax for the second suite is 3% of the total purchase price, which is uniformly stipulated by the state. The new real estate policy has reduced the down payment ratio by 40% for commercial loans and 30% for provident fund loans.

Seven conditions for the bank to approve the second suite-

In the name of parents, Zhuo bought a house in the name of minor children.

According to the new policy, family members, including borrowers, spouses and unfinished children, are also classified as families. Therefore, when applying for a loan to buy a house in the name of unmarried children, it will be implemented in accordance with the second suite policy.

If you have a property under your name before completion, you can borrow money to buy a house after completion.

Explain in detail that according to the current bank loan identification and housing identification, if the existing property is not sold, then the loan purchase belongs to the second suite and will be implemented in accordance with the policy of the second suite. According to the past policy, as long as there is no loan, there are not two sets of mortgage applications.

There is a full house purchase loan in the name of the individual.

Explain in detail that it was not a second suite before, but now it has been added. Although there is no loan, as long as there is a property in its name in the housing property rights trading system, it will be recognized as a second suite if it is not sold and does not apply for a loan.

If you have a loan in your name, you can buy a house with a loan after you settle it and sell it.

Explain in detail that at present, the bank recognizes that the second suite is both a house and a loan. That is to say, although the property bought by the loan has no outstanding surname after sale, it will be counted as the second suite if it applies for a mortgage because it has a loan record before.

Use commercial loans for the first time and provident fund loans for the second time.

Explain in detail that the current provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, no matter whether the mortgage is settled or not, whether the property is sold or not, even if the provident fund loan has never been used for the first time, it is considered as a second suite.

Before marriage, one party borrowed money to buy a house, and after marriage, he applied for a loan to buy a house in the name of the other party, but their accounts were not together.

Explain in detail that although the husband and wife are not together after marriage, they are registered in the Civil Affairs Bureau. Now, when issuing loans, banks will require borrowers to provide proof of marital status in addition to household registration books. Married couples can't provide single proof, and when they buy a house again, they count the other party as a second suite.

After marriage, the two parties divorce to buy a house, and then one party applies for a loan to buy a house.

Explain in detail that as long as the mortgage records can be found in the central bank's credit information system, even if the property is awarded to one party and the other after divorce, it will be recognized as a second suite. This has made many attempts to evade the new deal of the second home through fake divorce go down the drain.