Now you can enjoy three kinds of subsidies when buying a house in Chengdu? The "Opinions" stipulate that those who need to buy commercial houses due to the collapse or damage of houses can enjoy preferential credit policies for the first time. At the same time, anyone who buys a commercial house of more than 70 square meters in Chengdu can go through the household formalities according to relevant regulations. At the same time, you can also enjoy triple benefits such as deed tax reduction, financial subsidy for house purchase, and individual tax subsidy: deed tax reduction: The Opinions clarify that the purchase of ordinary commodity housing is fully subsidized according to the local income of the deed tax paid (the current policy is 65% of the total deed tax); The purchase of other commercial housing and the existing housing holding the house ownership certificate shall be subsidized by 50% of the local income from deed tax. That is, the deed tax subsidy for the first purchase of new ordinary housing is: total transaction price ×1.5 %× 65 %×100%; The deed tax subsidy for the first purchase of new non-ordinary housing is: total transaction price × 3 %× 65 %×100%; The deed tax subsidy for re-purchasing new commercial housing is: total transaction price × 3 %× 65 %×100%; The deed tax subsidy for the first purchase of second-hand ordinary housing is: total transaction price (or guide price) ×1.5 %× 65 %× 50%; The deed tax subsidy for the second-hand house purchase is: total transaction price (or guidance price) ×3%×65%×50%. Housing subsidy: refers to the purchase of commercial housing below 90 square meters (including 90 square meters), and the housing subsidy is given at 65438+ 0.5% of the total housing price; If you purchase 90- 144 square meters (including 144 square meters) of commercial housing, you will be subsidized by 1% of the total purchase price; Where 144- 180 m2 (including 180 m2) commercial housing is purchased, 0.5% of the total purchase price shall be paid; If the ownership certificate is less than 144 square meters (including 144 square meters), the purchase subsidy shall be given at 1% of the total purchase price. After the purchaser receives the house ownership certificate, he/she will go through the formalities of receiving the house ownership certificate, resident ID card, relevant tax payment certificate and other materials at the housing subsidy payment window of the real estate sub-center of Chengdu Municipal Affairs Service Center, and the housing management department will verify the payment within 3 working days. At the same time, taxpayers in Chengdu who purchase commercial housing before May 3, 200910 will be subsidized according to the local personal income tax (excluding personal income tax on bank savings deposits) paid from the year of purchase to May 20, 200910 (the current policy is 26% of the total personal income tax), with a maximum of 654.38 million yuan.
2. Inventory of Ningbo's house purchase policy in 2022: purchase restriction, sale restriction, interest rate, taxes and subsidies.
To buy a house in Ningbo, buyers need to be clear about some real estate policies in Ningbo, such as purchase restriction policy and subsidy policy. They can only buy a house if they meet the purchase restriction conditions, and only if they master the subsidy policy can they be more favorable. Therefore, I will take you to take stock of the information of Ningbo's housing purchase policy in 2022. You have all the information you want to know about restrictions on purchases, sales, interest rates, taxes, subsidies and so on.
0 1, purchase restriction policy 2021April 65438+6, six departments of Ningbo jointly issued the Notice on Further Strengthening the Regulation of the Real Estate Market to Promote the Stable and Healthy Development of the Real Estate Market, and the housing restriction area was extended to the surrounding area of Ningbo Ring Expressway, as well as Cicheng Town in Jiangbei District, Zhaobaoshan Street in zhenhai district, Jiaochuan Street, Yunlong Town in Yinzhou District, Jiangshan Town and Xia Ying Street.
Households with registered residence in this Municipality own two or more houses in the administrative areas of Haishu District, Jiangbei District, zhenhai district, Beilun District and Yinzhou District (hereinafter referred to as "the five districts of this Municipality"), and families with non-registered residence in this Municipality own 1 house in the administrative areas of the five districts of this Municipality or cannot provide proof that they have paid social insurance continuously for 24 months or more in this Municipality within the first three years from the date of purchase, so the purchase of houses in the restricted area is suspended.
△ Ningbo purchase restriction map
If the house expropriated on the state-owned land in the five administrative districts of the city signed a monetary compensation agreement on 20 14 10/day, and the house expropriated on the collective land in the five administrative districts of the city signed a monetary compensation and resettlement agreement on July 20 1 6 13, the expropriated person or the expropriated person shall ※
There is no restriction on buying auction houses for the time being. ※.
△ The plate that Ningbo is selling well: the renderings of Huajingchuan Wan Yue House.
Priority subscription policy for families without housing:
Families who have no housing in the administrative areas of Haishu District, Jiangbei District, zhenhai district, Beilun District, Yinzhou District and Fenghua District (hereinafter referred to as "Ningbo District 6") and meet one of the following conditions can give priority to subscribe for 1 set of commercial housing:
1. One of the family members (husband and wife and minor children) has a household registration in six districts of the city;
2. In the past three years, he has continuously paid social insurance for 24 months or more in six districts of this city;
3. I or my spouse belong to the top talents, outstanding talents, leading talents, top-notch talents and senior talents introduced by this Municipality.
The above three types of families are collectively referred to as "houseless families".
Commercial housing subscribed by families without housing can not be transferred until five years after obtaining the certificate of real estate ownership. ※.
The collective household registration in the six districts of the city is equivalent to the household registration in the six districts of the city. ※.
Policy changes in 2022:
1. This year, when the buyers submitted the online signing materials, they found that Cicheng, Fangqiao, Jison, Dongqian Lake, Xia Ying and other areas no longer need to provide the house certificate under their names, which means that the sales in these areas are no longer restricted. According to the experience of netizens, the current restricted purchase area in Ningbo is the street in Xinzhuang City east of 1 ring (the restricted purchase range first released on 20 17).
In addition, it is also circulated that foreigners can pay a tax when buying a house, and let go of the unit to buy a house. Parents are equivalent to Ningbo people. However, the official has not issued relevant policies, and there is no official announcement to shrink the circle. Therefore, the actual implementation of the policy is based on the official caliber of each agency.
2. Two children and three children can buy another set in the restricted area.
The Notice on Supporting the Demand for Rigid and Improved Housing (hereinafter referred to as the Notice) issued on May 3 1 made it clear that families with two children and minor children in this city who already own two houses in Haishu District, Jiangbei District, zhenhai district District and Yinzhou District (hereinafter referred to as the "four districts of the city") can purchase them in the restricted area/KLOC-0. Non-local registered families with two children and three children under age who already own 1 apartment in the fourth district of the city can purchase 1 apartment in the restricted area.
△ Disks that Ningbo is selling well: the renderings of Xuhui City outside.
02. Sales restriction policy: In the five districts of Haishu, Yinzhou, Jiangbei, Zhenhai and Beilun, the newly purchased houses are restricted for two years, and the restricted period is counted from the date of obtaining the property right certificate.
New second-hand houses purchased after June 2022 10 will not be sold.
In addition, it should be noted that: special housing for talents to live in, housing with priority subscription by families without housing (including housing with priority subscription under the name of families without housing), housing purchased by all kinds of talents enjoying housing subsidies, and affordable housing are all limited to 5 years; The price-limited room is limited to 3 years.
△ Ningbo Real Estate: Longguang Jiuhuafu renderings
03. Down payment and interest rate At present, the interest rate of buying a house in Ningbo is generally 4.25% for the first suite and 5.05% for the second suite.
Before the down payment policy, there was a minimum of 30% without housing and loans. If you buy a second suite, you will get about 40% without a house and 60% with a house and a loan. If you buy a third suite, you need the full amount.
It is reported that: buying a house in the restricted purchase circle, checking the number of sets in the four districts of the city, 30% down payment without housing and loan; If there is a house under the name, whether there is a loan or not, the down payment will be 40%. The authenticity of this information can be recognized, but the specific provisions of the loan bank shall prevail, and consultation can be made before the loan.
In other words, Ningbo's current down payment policy is 30% for the first suite, 40% for the second suite and full payment for the third suite.
04. Taxes and fees are inevitable in real estate transactions. The current tax standards in Ningbo are as follows:
The new house tax is relatively simple. As the stamp duty on individual buying and selling houses is exempted, there is actually only deed tax. The tax basis of deed tax is the transaction price excluding value-added tax (that is, the "amount" column on the purchase settlement invoice). Second-hand housing transactions involve relatively more taxes and fees.
1. deed tax: during the marriage relationship, if the husband and wife change the ownership of land and house, and the legal heir inherits the ownership of land and house through inheritance, the deed tax shall be exempted.
2. Value-added tax and surcharges (surcharges include urban maintenance and construction tax, education surcharge and local education surcharge): houses purchased for less than 2 years are sold to the outside world, and are levied at 5.6% of the transaction price excluding value-added tax; Houses purchased for more than 2 years (including 2 years) for external sales are exempted. (Note: From 20 19 65438+ 10/,urban construction tax, education surcharge and local education surcharge of small-scale VAT taxpayers will be reduced by 50%. )
3. Personal income tax: generally, it is levied at 1% of the house price, or 20% of the difference between two transactions. If the house is transferred for personal use for more than 5 years, it will be exempted, that is, "five talents are over".
△ Ningbo hot plate: the source of new knowledge in China Shipping
05, housing subsidies 1, housing subsidies for basic talents.
From August, 2065438 12, he obtained a full-time college degree within ten years of graduation; Including graduates from senior technical schools and technician colleges who have obtained advanced vocational qualification certificates, and returned overseas students who purchase houses for the first time in Ningbo, they are entitled to a purchase subsidy of 2% of the total purchase price according to regulations, with a maximum of 80,000 yuan.
2. High-level talents (resettlement subsidies and housing subsidies)
Newly introduced top talents can enjoy a maximum resettlement subsidy of 8 million yuan; Newly introduced special talents, leading talents, top-notch talents and senior talents will be given 6,543,800,000 yuan, 800,000 yuan, 500,000 yuan and 6,543,800 yuan respectively, which will be distributed in proportion year by year.
On the basis of enjoying the subsidy for resettlement houses, those who purchase the only family house in Ningbo for the first time within three years from the date of promulgation will be given 20% of the total purchase amount (subject to the taxable amount excluding tax in the deed tax invoice), and the maximum purchase subsidies are 600,000 yuan, 400,000 yuan, 250,000 yuan and 200,000 yuan respectively.
The real estate that enjoys the purchase subsidy can only be listed and traded after obtaining the real estate registration certificate for 5 years. Third, the latest news of housing subsidy policy 2022
1, housing subsidy policy in Wuhu, Anhui
12 14, Wuhu, Anhui Province introduced a new policy to support the purchase of houses, and eligible young talents can get a subsidy of 10% at most.
2. Hunan Hengyang Housing Subsidy Policy
65438+February 10, Hengyang, Hunan Province issued a housing subsidy policy, proposing that citizens who buy houses in the next five months should be given deed tax subsidies, with the subsidy ratio ranging from 15% to 50%. The sooner you buy a house, the more subsidies you get. For example, if they buy a house before 65438+ 10, they will get 50%. If you buy an underground parking space in the next five months, the subsidy will be as high as 80% of the deed tax paid.
3. Housing subsidy policy in Bishan District of Chongqing
On 65438+February 10, Bishan District of Chongqing launched a house purchase preferential activity for two months, from February 202 1 0 to February 2022 10. During the activity, buyers who buy one or two second-hand houses (limited to 1 set), parking spaces (no more than two), business rooms (no more than five) and office rooms in Bishan District can enjoy the purchase subsidy of paying the same amount of deed tax.
4. Guangdong Huizhou Housing Subsidy Policy
65438+February 65438+April 4, Huizhou City, Guangdong Province issued the "Measures for the Implementation of Preferential Policies for Talent Housing Provident Fund in Huizhou City (Trial)", which put forward supporting regulations for talent introduction from the perspective of provident fund. If senior talents buy the first and second self-occupied houses in Huizhou, the maximum loan amount of housing provident fund loan is 6,543,800 yuan, and the total maximum loan amount of husband and wife is 6,543,800 yuan. Housing provident fund funds are tight, and when the waiting loan mechanism is implemented, priority can be given to lending.
4. What is the latest regulation of Chengdu housing subsidy 2022?
For young college students (full-time doctoral students, master students and undergraduate graduates) who buy the first home, they will be given 30,000 yuan, 20,000 yuan and 1 10,000 yuan respectively, encouraging employers to give appropriate subsidies and giving appropriate concessions to the real estate enterprises involved. The policy is valid until12,2022,31.
First, the materials needed to buy a house include:
1, which is a valid ID card and a local household registration book;
2 farmers' urban household registration certificate;
3. Proof of urban wage income;
4. Certificate of house purchase and sale;
5. Proof of down payment;
Prepare the above materials, and you can apply for housing subsidies.