Hello, you can use commercial loans to purchase commercial houses. The maximum loan amount is 50% of the appraised value of the house, and the maximum loan period is 10 years, and it is not affected by the number of units;

The collection method of commercial housing taxes is not restricted by whether it has been for five years; taxes include: business tax, personal tax, stamp tax, deed tax, and land value-added tax.

1. Business tax: the difference is 5.6% in the six urban districts, and the difference is 5.5% in the outer suburban counties

2. Personal tax: the difference is 20%

3. Stamp duty: 0.1% of the full amount

4. Deed tax: 3% of the full amount

5. Land value-added tax: difference 30%-60%

Warm reminder: Loan appraisal fee for commercial housing: 1,500 yuan for appraised value <2 million; 1‰ for appraised value ≥ 2 million;

The appraised value of commercial loans can generally reach 85%-90% of the market transaction price;

Tax payment base: calculated based on the online signing price. If the online signing price is lower than the transfer guide price, the transfer guide price will be used as the tax base (if the online signing price is lower than the transfer guide price, you need to do the online signing again , adjust the online signing price. In some urban areas, you can not re-do the online signing and only pay the tax according to the transfer guide price.

The difference between the commercial and residential properties = the current online signing price - the original value (based on the last transaction). Deed tax invoice)