In addition, when purchasing commercial housing, all family members who can get tax refund should be written into the purchase contract as real estate rights holders, and after signing the contract and paying the house price, they should apply for "deducting the personal income tax paid by the buyer" and obtain their general tax payment. After paying off all the loans in advance, you can apply for a real estate license.
Can I get a tax refund for buying a house with a loan?
The loan to buy a house can be refunded, but the loan must be paid off before the tax refund can be made. After paying off all the loan principal and interest, you can cancel the mortgage at the district/county real estate trading center where the property is located with the bank loan settlement certificate of the collateral and other real estate rights certificates.
How to choose a bank for buying a house loan
1, choose a big brand
There are many banks that can handle mortgage loans now. Loan to buy a house, it is best to choose a big brand bank loan. For customers, brand bank means that this bank enjoys a good reputation in the world all the year round, with diversified financial products, professional, efficient and high-quality services, and later services are more secure. It is best for buyers to choose brand banks with high reputation, safe capital and good service quality, such as the five major banks.
2. Look at the bank interest rate
Loan to buy a house, the loan interest rate is very important for buyers. The loan interest rate is related to the loan interest. Although the benchmark interest rate of bank loans for more than five years is 4.9%, due to the different enthusiasm and policies of real estate executives in different cities, property buyers will face the problem of raising interest rates when purchasing commercial houses or second suites. Therefore, buyers should make more comparisons and choose one that is more suitable for them.
3. Look at liquidated damages
After the loan, if the lender fails to repay the loan according to the agreed time, there will definitely be liquidated damages, but in addition to overdue, some banks will even charge liquidated damages for some customers' early repayment, which is a great pressure for customers who want to save interest through partial early repayment. Therefore, when comparing banks, be sure to ask the limit of liquidated damages so as not to get bored.
4. Look at the preferential threshold
Different banks have different requirements for loans, so the threshold of loan concessions is naturally different. Usually, banks have certain requirements for customers who want to get preferential interest rates on loans, but not everyone can enjoy preferential interest rates or enjoy the lowest interest rate discount.