Now, in order to prevent people from speculating in real estate, many areas have stipulated the loan policy for second homes, and the loan policy for second homes in Xiamen has also been adjusted accordingly. Today, Bian Xiao will answer your questions. Friends who want to know may wish to have a look with Bian Xiao!

1. What is the deed tax for the second suite in Xiamen?

When buying a second suite in Xiamen, the deed tax to be paid should be paid according to 3% of the total house price. (specifically, according to the actual area of the house)

The state collects deed tax at 2% for the second suite with an area of more than 90 square meters; If the area of the second suite is less than 90 square meters, the deed tax shall be paid1%; Three or more houses and non-ordinary houses are paid at 3% of the total house price.

2. What is the down payment for the second home loan in Xiamen?

1. Provisions on down payment of commercial loans

① For the second-home buyers who purchase ordinary commercial housing with loans for the first time, the down payment ratio shall not be less than 30% of the total house price.

(2) If there are outstanding mortgage loans in the name of the family members of the purchaser, the down payment ratio shall not be less than 60% of the total house price when applying for commercial loans to purchase ordinary commercial houses again, and the down payment ratio shall not be less than 70% of the total house price when purchasing non-ordinary commercial houses with loans.

2. Provisions on down payment of provident fund loans

(1) When employees' families use housing provident fund loans for the first time to purchase houses with an area of less than 90 square meters, the down payment ratio shall not be less than 20% of the total house price; For houses with an area of more than 90 square meters, the down payment ratio shall not be less than 30% of the total house price.

② The down payment ratio of employees who apply for the second house purchase with the housing provident fund shall not be less than 50% of the total house price.

The state will stop issuing housing provident fund loans to employees who use housing provident fund for the third time to buy houses.

Bian Xiao concluded: The above is the deed tax of the second house in Xiamen and the down payment of the second house loan in Xiamen. How much is shared by Bian Xiao? I believe that everyone will have a corresponding understanding after reading the above sharing. If you need more information, please continue to pay attention to Qijia. Com website, Bian Xiao will answer them one by one.

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