how to collect the property tax for individuals?
2% personal income tax will be levied on the value-added income after the transfer of luxury houses. The Ministry of Finance and State Taxation Administration of The People's Republic of China issued a notice, and individual income tax will be levied at a one-time rate of 2% on the part of the value-added income after the transfer (referring to the transfer price of the property minus the original purchase price) for the houses with a per capita construction area of 8 square meters or more. The local government publishes the market guidance price (that is, the present value of the property) of the classified houses every year. If the transaction price is obviously lower than the market guidance price, the market guidance price will be used as the tax basis of the property tax (similar to the current guidance price for the transfer of second-hand houses in Beijing, Shenzhen, Chengdu and other cities).
how can an individual borrow money to buy a house?
The process of individual housing loan is as follows:
1. Relevant materials to be applied for
Identity cards and household registration books of local residents; Non-residents of this city need to provide the household registration certificate or temporary residence permit provided by the household registration management department of their original place, in addition to their ID cards and household registration books. Minor residents need to provide birth certificates.
2.
After accepting the loan application, the bank manager will make a real investigation on the completeness, authenticity, validity and legality of the Application Form submitted by the loan applicant and the required information. Through the pre-loan investigation, the bank will prepare for approval for applicants who think they meet the loan conditions.
3. Purchase insurance
Under normal circumstances, due to the relatively long mortgage loan period, banks require buyers to apply for property insurance to prevent loan risks.
4. Sign a loan contract
Sign a loan contract after investigation, examination and approval. After the bank completes the registration and notarization procedures, notify the applicant to take the contract and sign the Housing Mortgage Loan Contract.
5. Handling the transfer of house property rights
The buyer and the seller should go to the Housing Authority to handle the transfer of house property rights. Information provided: ID cards of the buyer and seller, real estate license, deed tax certificate, and commercial housing sales contract issued by the Housing Authority. If the area exceeds 2 square meters, a transaction evaluation report is required and the information is copied.
The above information is the relevant knowledge that Xiaobian explained to you about how to collect the property tax for individual houses and how to get loans for individual houses. I hope it can bring you some help. When buying a house, we may face a lot of taxes and fees, so we must prepare this fee in advance, and we must understand the loan repayment process.