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If I want to use provident fund loans to buy a second-hand house, can I avoid taxes?

1/The price can be appropriately lowered, but the Agricultural Tax Center has a minimum standard, and no one knows what the standard is.

2/ For example, if the house price is 1 million, the appraisal company lowers it to 800,000, and the difference is 200,000, which is given to the landlord in the form of decoration money or other reasonable methods in cash or check; if 30% down payment: That means a down payment of 240,000, and the loan amount is 560,000.

In fact, the down payment you have to take out is equivalent to 440,000.

3/If you do not avoid taxes, That is, you only need to prepare 300,000 in the early stage

4/If you want to avoid taxes, you can only do this, there is no other way,