First, the down payment ratio of Suzhou Second Suite is 2020
In the past two years, housing prices in Suzhou have risen particularly fast, which has increased the pressure on many people to buy a house. According to the situation, the Suzhou government has issued a strict purchase restriction policy, which restricts the qualifications of commercial loans, provident fund loans and house purchases. At present, only Suzhou residents can buy a second suite. Then, what is the down payment ratio of Suzhou Second Suite 2020?
1. There is no loan record for a suite, and the loan record has been paid off once.
Households with housing loan records, but no housing when applying for loans, apply for commercial personal housing loans to purchase ordinary housing with a down payment of 50%.
For households that own/kloc-0 apartments but have no record of housing loans or whose corresponding housing loans have been settled, the down payment ratio for applying for commercial personal housing loans to purchase ordinary housing is 50%.
2. An apartment loan has not been paid off.
The resident family owns 1 house and the corresponding housing loan has not been settled. The down payment ratio for re-applying for commercial personal housing loans to purchase ordinary housing is 80%.
2. What is the interest rate of the second home loan in Suzhou?
20 19 12.20 loan market quotation rate (LPR) is: 1 year LPR is 4. 15%, and the LPR for five years or more is 4.80%, which is the reference interest rate for individual housing loan interest rate.
At present, the repricing period of most existing commercial personal housing loans is 1 year, and the repricing date is 1 day every year. If your mortgage is already in the repricing cycle, you can choose not to convert it.
In the case that the second home loan has been paid off, the mortgage interest rate of most banks is the same as that of the first home loan. Only the Postal Savings Bank will raise the interest rate of the first home loan by 5% again, and * * * plans to raise it by 25%(4.8+ 120BP).
In the case that the second home loan has not been paid off, most bank mortgage interest rates have risen by 30%-35%; There are also banks with relatively low interest rates, such as hengfeng bank rising by 26% and Suzhou Bank rising by 28%. ICBC's interest rate will rise by 43% (4.8+208BP).
In this survey, the mortgage interest rates of new and second-hand houses in Suzhou 18 banks are basically the same; Only the first and second sets of second-hand houses of Bank of Communications have paid off 30%(4.8+ 143BP), and the second set has not paid off 38%(4.8+ 180BP).
Lending time has been shortened. Many banks generally lend money for 1-2 months, and some banks can handle it immediately.
Third, Suzhou Second Suite Deed Tax New Deal 2020
1, the construction area is less than 90 square meters, and the house is purchased in the same area, and the rural hukou is exempt from deed tax.
2. If the building area is between 90-140m2, the deed tax is 1.5% for both urban and rural hukou.
3. The deed tax for a building area of less than 90 square meters is 1%.
4. The deed tax in the following cases is 3%. Deed tax is a kind of property tax levied on real estate whose ownership has changed. Taxable scope includes: sale, donation and exchange of land use rights, house sale, house donation and house exchange.
According to Article 4 of the Detailed Rules for the Implementation of the Provisional Regulations on Deed Tax in People's Republic of China (PRC), the tax basis of deed tax (II): land use right gift and house gift shall be verified by the tax collection organ with reference to the market price of land use right sale and house sale. Therefore, the donee of the donated property needs to pay the deed tax in full.
In addition, the second paragraph of Article 2 of the Notice of State Taxation Administration of The People's Republic of China City, People's Republic of China (PRC) on Strengthening the Tax Administration of Personal Donation of Real Estate for Free [Guo Shui Fa (2006) 144] clearly stipulates: "Individuals who donate real estate for free shall collect the deed tax in full from the donee."
The deed tax on donated property is collected in full, that is, the donee pays it according to the proportion of 3%.
The above is about the down payment ratio of Suzhou second suite in 2020, what is the loan interest rate of Suzhou second suite, and the new deed tax policy of Suzhou second suite in 2020. I hope I can help you!