1. If an individual purchases an ordinary house of 90 square meters or less for the first time, the deed tax rate will be temporarily reduced to 1%, and the municipal real estate trading center will issue a certificate of first purchase. 2, personal sales or purchase of housing temporarily exempt from stamp duty. 3, individual sales of housing temporarily exempt from land value-added tax. 4. The lower limit of the loan interest rate can be extended to 0.7 times of the benchmark loan interest rate, and the minimum down payment ratio can be adjusted to 20%. 5. Reduce the interest rate of individual housing provident fund loans, and reduce the interest rates of all grades by 0.27 percentage points respectively. 6. If an individual sells ordinary houses that have been purchased for more than 2 years, the individual will not bear the business tax. 7. Personal income tax shall not be borne for the income obtained by individuals from transferring the house for their own use for more than 2 years and being the only living room for the family. 8. For the purchase of self-occupied ordinary housing, the minimum down payment ratio of housing provident fund loans is adjusted to 20%. For families who purchase self-occupied ordinary housing for the first time and meet the loan conditions, the maximum loanable amount of basic provident fund for each household will be increased from 200,000 yuan to 300,000 yuan, and the maximum loanable amount for each household will be 600,000 yuan. If there is supplementary housing provident fund, the maximum loan limit for each household is 800,000 yuan. 9. Exempt individuals from the housing registration fee for purchasing ordinary housing and the housing transaction (transfer) fee for buying and selling ordinary housing in stock. What are the main points of the first purchase certificate? 1. The first-time purchase certificate is a prerequisite for enjoying tax benefits. Customers must complete the inspection procedures before entering the transaction link, and contact the application form at the latest and send it to the application window. 2. There is a processing cycle for checking the first purchase certificate, which is usually 7 working days. 3. Only those who meet the following conditions can apply for the first purchase (inspection): (1) individuals aged 18; (2) Purchase ordinary housing of 90 square meters or less; (3) Except for houses purchased jointly with parents, purchased in accordance with the housing reform policy and obtained through inheritance, property analysis or resettlement, there are no houses purchased jointly by the purchaser himself or with others. Legal basis: Article 3 of the Detailed Rules for the Implementation of Housing Subsidy refers to: (1). Farmers will be given a housing subsidy of 150 yuan/m2 after purchasing commercial housing in urban areas and paying the deed tax in full; Farmers can enjoy a subsidy of 50% of the total deed tax after purchasing commercial housing in urban areas, signing online and paying the deed tax in full. (2) After people other than farmers purchase (resettle) commercial housing or commercial housing, they can be subsidized by 50% of the total deed tax after signing online and paying the deed tax in full. (3) For buyers who sell old houses and buy new commercial houses, they can enjoy a subsidy of 100% of the total deed tax after signing online and paying the deed tax in full. (4) The same family (husband and wife and children under the age of 18) repeatedly purchases the same set of commercial housing with a history of returning a house, and does not enjoy the purchase subsidy; If * * * is deleted or added in the online signing contract on 20 16, and the terms of the online signing contract are changed, you can enjoy subsidies according to the corresponding policies.

2. What are the preferential policies for purchasing the first home?

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20 14 What are the preferential policies for buying the first suite in Dongguan?

What is the definition of the first suite?

The first suite means buying only one house. The People's Bank of China stipulates that urban residents in China can enjoy preferential mortgage interest rates when purchasing the first home.

The so-called "first suite" must meet three conditions at the same time: the buyer 18 years old; The purchased house is an ordinary house of 90 square meters or less (9 ordinary houses are houses purchased separately or jointly with others, and the deed tax rate is 1%). However, housing acquired through purchase inheritance or placement with parents is excluded.

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

The minimum down payment ratio for the first suite in Dongguan is 30%. The identification of the first suite is very strict, requiring the family to have no money to buy a house, or to open a certificate at the People's Bank to check whether there are any bad letters to issue a family housing certificate. The down payment ratio of the first suite in Dongguan has not been adjusted yet, and the maximum loan execution standard has not been adjusted yet.

How much is the deed tax for the first suite in Dongguan?

According to the market guidance price and area. All house deed taxes above the market guidance price: the sub-deed tax for houses with an area less than 90 square meters and a unit price lower than the market guidance price of 0 square meters-144 square meters is1.5%; The deed tax is 3%. The deed tax rate of villas (business premises, rental premises) and land (land transfer and transfer premises) is 3%.

4. What are the preferential policies for buying the first suite?

1. There are certain preferential policies for purchasing the first home loan, but the collective preferential policies may be different according to different banks. Please consult the bank for specific loan application. At present, the policy that is still being implemented is to enjoy a down payment of 20% for the first time to buy a house, and the interest rate is 0.7 times of the benchmark interest rate.

2. Since June 5438+065438+ 10/day, 2008, the deed tax rate has been reduced to 1% for individuals who purchase ordinary houses of 90 square meters or less for the first time. The lower limit of the loan interest rate can be extended to 0.7 times of the benchmark loan interest rate, and the minimum down payment ratio can be adjusted to 20%. From 65438+1 October1to 65438+February 3, 20091,residents who have taken out loans to buy a house, but the per capita housing area is lower than the local average level, and then apply for loans to buy a second set of ordinary self-occupied housing to improve their living conditions, can apply for the first loan to buy ordinary self-occupied housing preferential policies.

Three, enjoy the preferential policies for the first suite, must meet the following three conditions:

Houses purchased after1.200811.2;

2. The house belongs to ordinary housing, that is, it is below 144 square meters (including below 90 square meters and between 90- 144 square meters);

3. It is the first time for the real estate registrant to buy a house. If a husband and wife have a commercial house, they can't enjoy the first suite discount. However, property acquired through inheritance or division. Does not belong to the category of commercial housing.