The deed tax for the first suite and the second suite is 3%. The second suite is actually the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged house that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average level, and then applies for housing loans from commercial banks.

Second, the second suite refers to the abbreviation of the second set of ordinary family self-occupied housing, which refers to the standard of taking the borrower's family as the unit, and the per capita housing area of the borrower's family is higher than the average level of local residents. The second suite policy indicates that when applying to a commercial bank again, it is necessary to pay off the mortgage of the previous housing loan.

Third, the current second-home standard is based on the family, which recognizes both the house and the loan. The loan of a house buyer in a different place must provide the tax payment certificate or social insurance payment certificate of the place where the house was purchased for more than 1 year, otherwise it will be calculated as the second-home loan. Identification criteria are as follows:

1. The borrower applies for using a loan to purchase a house for the first time, and his family has registered a complete set of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the house is to be purchased;

2. The borrower has used the loan to purchase one or more houses and applied for a loan to purchase a house;

3. The lender is convinced that the borrower's family owns a set (or more) of housing through due diligence in the form of credit record inquiry, face-to-face test, face-to-face interview and visit when necessary;

What is the interest rate of Liaocheng second home loan?

1, provident fund loan interest rate

The current interest rate of provident fund loans is 3.25%, and the monthly interest rate is 3.25%/ 12, which is the same all over the country.

2. Commercial loan interest rate:

(1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis. The current benchmark interest rate is 4.9%.

(2) Mortgage is the bank loan interest rate, and the loan interest rate level is determined according to the comprehensive evaluation of the credit situation of the loan, the credit situation, the collateral and the national policy (whether it is the first suite or not).