What is the down payment ratio of Nantong second suite?
In Nantong, if you buy a house by family, you already have a house under the family name. If you want to buy a second suite, the down payment ratio is 40%. The interest rate has also risen by 10% on the original basis, which involves the payment of deed tax. The standard for the second suite is 3% of the total house price. If there is already a house in the family name and it has not been settled by loan, the down payment ratio of the family will be adjusted to not less than 40%. However, if you already have a house, but have settled down, in order to improve your living conditions and apply for a new purchase, choose the provident fund method, and the down payment ratio is set at 30%.
What are the deed tax policies for the second suite?
1. Deed tax will be levied at a reduced rate of 1% for individuals who purchase family housing (family members include the purchaser, spouse and minor children, the same below) with an area of 90 square meters or less; If the area is over 90 square meters, the deed tax shall be levied at the reduced rate of 1.5%. For individuals who purchase a second set of improved family housing with an area of 90 square meters or less, the deed tax will be levied at a reduced rate of 1%; If the area is more than 90 square meters, the deed tax shall be levied at a reduced rate of 2%.
2. According to the current deed tax policy, individual purchases are subject to differentiated tax rates.
3. According to the regulations, if an individual purchases an ordinary house, and the house is a family house, and the area of the purchased ordinary commodity house is less than 90 square meters (including 90 square meters), the deed tax shall be executed according to 1%; If the apartment area is 90 square meters to 144 square meters (including 144 square meters), the tax rate will be halved, that is, the effective tax rate will be 2%; If the purchased residential unit area exceeds 144 square meters, the deed tax rate is 4%.
4. Purchase non-ordinary houses, two or more houses and commercial investment properties (shops, office buildings, business apartments, etc.). ) are taxed at the rate of 4%.
What is the down payment ratio of Nantong second suite? What are the deed tax policies for the second suite? I believe that after reading the above description, you have some understanding and grasp of the specific situation of the second suite. After in-depth understanding, you will find that buying a second suite is very different from buying the first suite. Only by fully understanding the specific matters of the second suite can people really grasp the process.