Deyang City Housing Provident Fund Management Center implemented the housing provident fund personal loan second suite policy on March 9 last year: 1, the down payment ratio of the second suite is not less than 50%, the maximum loan price is not more than 350,000, and the interest rate rises 1. 1 times (the latest interest rate is 4.2% in five years and 4.7% in more than five years); Stop issuing provident fund loans to the third set of housing; 2. The two sets of housing standards are determined by the way of "recognizing housing and recognizing loans", with the focus on subscribing for housing; Identification of the first suite and the second suite: if the buyer purchases a house in a different place in the county (city, district) under the jurisdiction of Deyang City, it shall be based on the house registration certificate provided by the housing management department at the place of work, but on the house registration certificate provided by the housing management department at the place of purchase (understood as disguised relaxation), and if the buyer purchases a house in a different place in the province, it shall be provided by the housing management department at the place where the borrower pays the provident fund.
What are the new policies for the second suite and the second suite?
With the opening of the second child policy, the number of members of many families has increased, or their income has increased, and people have begun to be dissatisfied with buying only one house. More and more families plan to buy a second home, so what's the new policy for the second home? Let's take a look with Bian Xiao.
What are the new policies for the first suite and the second suite?
1. The New Deal stipulates that individuals buy family houses nationwide, and family members include buyers, spouses and minor children. If the building area is 90 square meters or less, the deed tax shall be levied at the rate of 1%. If the area exceeds 90 square meters, the deed tax shall be levied at the rate of 1.5%.
2. In addition to Guangzhou, Guangzhou and Shenzhen, the deed tax will be levied at the rate of 1% for individuals who purchase a second set of improved family housing with an area of 90 square meters or less. If the area exceeds 90 square meters, the deed tax shall be levied at the rate of 2%.
3. It is also stipulated that if a taxpayer applies for tax preference, according to the taxpayer's application or authorization, the real estate department of the place where the house is purchased shall issue a written inquiry result on the family situation of the house purchaser, and convey the inquiry result and relevant information to the tax authorities.
4. If the inquiry conditions are temporarily unavailable and the family housing inquiry results cannot be provided, the property buyers shall submit a written credit guarantee to the tax authorities to apply for the actual number of housing units. If there is a false declaration, it should be handled in accordance with the relevant provisions, and the record of dishonesty should be included in the personal credit information system.
5. Under the new mortgage policy, the down payment ratio of the second suite has also increased slightly. Relevant data show that the down payment ratio of the second home is raised from 60% to 70%, and the loan interest rate is also raised to 1.3 times.
Editor's summary: What are the new policies about the second suite? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.
3. What is the latest second-home loan policy?
Specifically, the second-home loan policy is as follows: for families who purchase a second home by loan, the down payment ratio is not less than 70%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate. Branches of the People's Bank of China may, according to the new housing price control targets and policy requirements of the local people's government and on the basis of the unified national credit policy, increase the down payment ratio and interest rate of the second set of housing loans. So what is the standard for determining the second suite? The following situations all belong to the second suite: 1. The borrower applied for a loan to buy a house for the first time. For example, in the housing registration information system where the house to be purchased is located (including the pre-sale contract registration and filing system, the same below), the family has registered one (or more) complete houses; 2. The borrower has used the loan to purchase more than 1 house (inclusive) and applied for the loan to purchase the house; 3. The lender is convinced that the borrower's family already owns a house (or more) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary). The above is a detailed introduction to the "second-home loan policy and second-home accreditation standard". Due to the current rise in housing prices, the state has continuously introduced various policies to curb the demand for home purchases, which has led to stricter second-home loan policies. If you want to borrow money to buy a house, you should check in advance whether it belongs to the second suite. The down payment for the second home loan should not be less than 70%, and the interest rate will rise on a certain basis.