Can I get a loan to buy a parking space?
Most of them will do.
Banks have different regulations on parking loan business. In most cases, banks will only give loans to customers who have applied for a first-class mortgage in the bank, and then they must be garage parking spaces in the same community. The loan interest rate follows the consumer loan interest rate for the same period. Secondly, the parking space value must be more than 654.38+10,000 yuan. The longest loan period is 20 years.
For the parking space mortgage loan, the bank will check a lot of information of the lender, such as real estate license, collateral, cooperative developer, borrower's income level, repayment willingness, personal reputation and so on. These are basically the focus of verification. Few banks are willing to take over independent parking space mortgage loans. First, the amount of parking space loans is too low; Second, the purchasing group of parking spaces is quite limited, which is not easy to realize, and the risk of banks is too great.
The key to buying a parking space is to pay attention to two points. One is to see if there is a property right certificate. Houses and parking spaces are basically real estate, basically independent, and parking spaces have parking spaces. If not, advocate not buying. One more thing, the developer said that it was selling parking spaces, but it was actually rented parking spaces, which could not be bought or sold. Most of these parking spaces are rebuilt by civil air defense projects. According to regulations, they can only be rented, and they can only be rented for 20 years. The second is to see if it is convenient for you to travel. If you buy a parking space, it will be far from home, and it will be inconvenient when it is windy and rainy, or when you go shopping. What problems should I pay attention to when buying a parking space?
With the development of economy and the increase of vehicles, many capable friends now basically choose to buy parking spaces in their own communities. But friends who buy a parking space for the first time may not know what they need to pay. I think the cost of buying a parking space includes the cost of the parking space itself, deed tax, stamp duty, parking space maintenance fund, registration fee and production fee.
How much does it cost to buy a car?
1. The cost of the parking space itself: This is easy to understand, that is, the unit price of the parking space you negotiated with the developer;
2. Deed tax: 3% deed tax is required for the purchase of parking spaces. Deed tax refers to a one-time tax levied on the new owner according to a certain proportion of the production price when the property right of real estate (land, house) is transferred or changed.
3. Stamp duty: the payment ratio of parking space stamp duty and real estate stamp duty is the same, which is basically five ten thousandths;
4. Parking space repair fund: the standards of repair funds vary from place to place, and most of them are paid at 2% of the total parking space price;
5. Registration fee and production fee: the sum of registration fee and production fee is 90 yuan;
6. If you buy a used car, you need to pay transfer fees and VAT.
Matters needing attention in purchasing parking spaces
1. Determine the nature of the parking space before purchasing. Ground parking spaces and civil air defense parking spaces in the residential area are basically not for sale, so you need to know the nature of parking spaces before buying them;
2. read the terms of the contract clearly. What we need to pay attention to is whether the contract says lease or sale. These two situations are completely different. Some car owners realize that it is a lease contract after signing the contract;
3. Determine whether the parking area is included in the housing area. I think this problem is easily overlooked. I think if the parking space is counted in the housing area, then we can use the provident fund to buy a house, but if it is not counted, it will not work. Can I borrow money to buy a parking space @20 19