2. If the business needs to pay tax, the tax is uncertain and depends on the situation. If it is natural inheritance, you don't have to pay taxes.
If you buy the first suite at one time, you can enjoy the mortgage according to the first suite if you buy it again and apply for a loan from the bank.
From September 1 day, 2005, the minimum down payment ratio was reduced from 30% to 20% for households with 1 flat who have settled the corresponding housing loans and applied for housing provident fund entrusted loans again to improve their living conditions. 2065438+On September 30th, 2005, the central bank adjusted again, and the down payment ratio of commercial loans in cities was reduced to 25%.
Specific loans vary from city to city. Please consult the loan bank for details.
Extended data:
Identification criteria for second-home loans: The number of residential units in commercial personal housing loans is determined according to the number of complete sets of housing units actually owned by family members (including borrowers, spouses and minor children) to be purchased.
20 13,13 At the beginning of June, the second home loan recognition standard was "fine-tuned", and some large state-owned banks relaxed the second home loan recognition from "recognizing the house and accepting the loan" to "recognizing the house and not accepting the loan" to avoid causing some customers who are ready to replace their own houses to "hit a wall" when applying for loans.
On September 30th, 20 14, the Notice of the China Banking Regulatory Commission of the People's Bank of China on Further Improving Housing Financial Services jointly issued by the Central Bank and the China Banking Regulatory Commission announced that financial institutions would implement the first-suite policy if families with 1 apartment settled their housing loans and applied for loans to buy houses again.
Policy standards
executive standard
20 10 on may 26th, the second home loan finally had a clear implementation standard.
As a supporting policy of the "Ten Articles of New China", the Ministry of Housing and Urban-Rural Development, the People's Bank of China and the China Banking Regulatory Commission recently jointly issued a document to standardize the second set of housing identification standards (J.F. [2065438+00] No.83), and the second set of housing identification for individuals applying for commercial housing loans follows the principle of "taking the family as the unit, recognizing the house and recognizing the loan".
Identification standard
(a) the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located;
(two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing;
(3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary);
(4) For non-local residents who can provide local tax payment certificate or social insurance payment certificate 1 year or more, the lender shall implement differentiated housing credit policy according to Article 3.
References:
Baidu Encyclopedia-Identification Standard for Second Home Loan