Legal analysis: preferential policies for the first suite: 1. Buying a house for the first time can temporarily exempt the land value-added tax. 2. For buyers who purchase a house for the first time and apply for a loan, the lower limit of the loan interest rate can be extended to 0.7 times of the benchmark loan interest rate, and the down payment ratio can be reduced to 20%. 3. Property buyers who purchase ordinary houses for more than 2 years can be exempted from business tax. 4. Exempt individuals from housing registration fees and real estate transfer fees for purchasing ordinary housing.

Logo of the first suite:

1, the loan has already bought a suite, the commercial loan has been settled, and then the loan is used to buy a house-the first set.

I bought a suite with a loan and later sold it. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system, and then you can borrow money to buy a house-the first set.

3. I bought a suite in full and bought a house with a loan-the first set.

4. I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I took out a loan to buy a house-the first set.

5. There are two commercial loan records in the name of the individual, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, when refinancing, the first set will count.

6. One commercial loan has been paid off, and the other is the provident fund loan has been sold. At the same time, you can provide proof of house sale and apply for a commercial loan to buy a house-the first set.

7. Husband and wife, one party buys a house with a commercial loan before marriage, and the other party buys a house with a provident fund loan 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.

8. Husband and wife, one party has a house before marriage but no loan record, and the other party has a loan record before marriage but no real estate under his name. After marriage, he buys a house and applies for a loan-the first set is counted.

Legal basis: Article 209 of the Civil Code of People's Republic of China (PRC) establishes, changes, transfers and extinguishes the real right of immovable property, which will take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered.

What are the preferential conditions for the first home loan?

The down payment ratio of the first suite is low. At present, the down payment of commercial loans for the first suite is generally 30%, and the down payment for the second suite should reach 40-60%. The minimum down payment for the first suite of provident fund loans is only 20%.

Deed tax concessions: the first suite can enjoy deed tax concessions. For example, the tax rate for the first suite of ordinary houses with an area less than 90 square meters is only 1%, while the tax rate for the first suite of ordinary houses with an area greater than 90 square meters is only 1.5% or 2%, while the deed tax for the second suite needs 3% or 4%.

Interest rate concessions: At present, the domestic benchmark interest rate is 4.9%. In some cities, the interest rate of the first suite may rise by 5%- 10% or be implemented according to the benchmark interest rate. If you buy a second home, the loan interest rate may rise by 20%.

Matters needing attention in purchasing the first suite by loan

1, it should be noted that the premise of buying a house is rational and planned consumption. Decide your own property according to your own income, expenditure and other actual conditions. In fact, it is good to meet the basic housing needs and avoid unnecessary extra burdens, but it is very important to cultivate a gradient consumption concept. Learn the necessary basic knowledge of real estate, which is necessary for buying a house. Housing is a professional behavior because it involves huge amounts of money.

2. Not all developers are honest, especially those small developers with limited funds. In order to survive in the real estate industry for a long time and become bigger and stronger, those big developers often have better reputation protection.

Chongqing's first home loan policy

The soaring housing prices in Chongqing have put great pressure on property buyers. Everyone wants to buy a favorite house, but it is too difficult for ordinary office workers. Buying a house by loan is a very popular practice now, and the first home loan can enjoy many preferential policies. Let's learn about Chongqing's first home loan policy!

Chongqing's first home loan policy

1. You can enjoy the preferential mortgage interest rate when you buy the first suite, but you must be 18 years old when you buy the first suite, and you can enjoy the preferential deed tax rate of 1% when you buy an ordinary house below 90 square meters.

2. There is no separate house under the name of the buyer except the house purchased with parents.

According to the current national preferential policies, you can enjoy a 30% discount on the down payment for the first suite, but it is difficult to get a 30% discount on the down payment because of the increasing bank deposits and interest this year.

What is the down payment ratio of the first suite in Chongqing?

1. The first suite takes the family as the unit and adopts commercial loans, which can reach 70% of the appraised house price. (The appraised price is lower than the market price, for example, the market price of a house is 654.38+0 million, and the appraised price is only 800,000, so 70% of the 800,000 can be loaned, that is, 560,000, and the remaining house price is 440,000 as the down payment).

2. If it is the first time to buy a house, you can get a loan of 80% of the appraised house price, provided that the house area is within 90 square meters and the loan of more than 90 square meters is 70%. According to the adjustment, at present, in non-restricted cities, only 75% of loans can be made for the first time, and the provident fund has no rating, and generally only 800,000 loans can be made.

3. The first suite can also be discounted at the interest rate, which is 85% of the benchmark interest rate. Now, commercial loan recognition depends not only on whether there is real estate under the family name, but also on whether there is a loan record before.

Bian Xiao concluded: The content of Chongqing's first home loan policy is briefly introduced here, hoping to help everyone! The first home loan has certain preferential policies. You can learn more about the preferential policies before buying a house.

What are the preferential policies for the first suite?

First, I bought a suite with a loan, and then I bought a house with a loan after the commercial loan was settled-the first set.

Second, I bought a suite with a loan and later sold it. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house-the first set.

Third, I bought a suite in full and bought a house with a loan-the first set.

Fourth, I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I took out a loan to buy a house-the first set.

5. There are two commercial loan records in the name of the individual, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, when refinancing, the first set will count.

6. One is that the commercial loan under the personal name has been paid off, and the other is that the provident fund loan has been sold. At the same time, you can provide proof of house sale, apply for a commercial loan and buy a house-the first set of calculations.

The Real Estate Bureau implements the individual purchase standard, and the New Real Estate Policy of the Ministry of Finance stipulates that the deed tax rate will be temporarily adjusted to 1% for ordinary houses with an area of 90 square meters or less signed on or after June12008. One of the three preconditions of this deed tax concession is that the commercial house that enjoys the concession must be the owner's first home.

Article 209 of the Civil Code of People's Republic of China (PRC) establishes, changes, transfers and extinguishes the real right of immovable property, which shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered.

Preferential policies for the first home loan in 2022

The lower limit of the interest rate of the first commercial personal housing loan is adjusted to not less than the quoted interest rate of the loan market minus 20 basis points. According to the latest (that is, April 2022) LPR, the price is 4.6% for more than 5 years, that is, the interest rate of the first home loan is not less than 4.6%. The interest rate of the first home loan can be as low as 4.4%.

If the interest rate of the first home loan is lowered, it will not be lowered if it has been bought, which means that it has no impact on the owners who have already bought a house.

This policy adjustment is mainly aimed at newly issued commercial personal housing loans, and the interest rate of existing commercial personal housing loans is still implemented according to the original contract.

This means that the adjustment range of the lower limit of the interest rate of personal housing business loans does not include the second suite, and it is not applicable to individual families who have applied for the mortgage loan of the first suite.

So much for the introduction of the first suite discount for commercial loans.