There are four main criteria for the identification of the second suite. The first one is that if you have borrowed money to buy a house before, you can find it in the housing registration system, and you can borrow money to buy a house again, which is counted as a second suite; The second is to buy a house in full, which can be found in the housing registration system. Re-loan to buy a house, count as two suites; The third is to buy a house with a loan and sell it. The housing registration system has no real estate, but there is a loan record in the bank. If you borrow money to buy a house, you will be considered a second suite. Fourth, the local area does not have the conditions to inquire about the housing registration system, and it needs bank investigation and verification. If you have one house, buy two. The down payment ratio of the second home loan is higher than the first one. Generally, the first home loan can be as low as 20%, and the interest rate rises to 10%-20%. For families who buy two self-occupied houses, the down payment ratio of the second house shall not be less than 70%, and the interest rate of the second house loan shall not be less than 1. 1 times of the benchmark interest rate. To buy a second suite in Shenyang, if you want to enjoy the preferential policies of the second suite in Shenyang, you need to identify the second suite in Shenyang. Let's take a look at the specific content of Shenyang second suite identification standard.

1, there is a house in the name of parents, and the situation of buying a house in the name of minor children belongs to Shenyang Second Suite;

2. There is a real estate under the name of a minor, and the situation of buying a house with a loan after adulthood belongs to Shenyang Second Suite;

3. There is a house purchased in full under the name of the individual, and the situation of house refinancing belongs to Shenyang Second Suite;

4. There is a loan to buy a house under the personal name, and the situation of buying a house with a loan after sale belongs to Shenyang Second Suite;

5. The situation of buying a house for the first time using commercial loans and buying a house again using provident fund loans belongs to Shenyang Second Suite;

6. One party borrowed money to buy a house before marriage and applied for a loan to buy a house in the name of the other party after marriage, but the two accounts are not together and belong to the second suite in Shenyang;

7. After marriage, both parties borrowed money to buy a house, and after divorce, one party applied for a loan to buy a house, which belongs to Shenyang Second Suite.

The deed tax for the second apartment in Shenyang is paid at three points according to the house price. According to the national regulations, the purchase of the second suite and deed tax do not enjoy preferential policies. According to the national regulations, the standard of deed tax for purchasing ordinary houses is: within 90 square meters 1%, within 90 square meters to 144 square meters 1.5%. If the house is not purchased or exceeds 144 square meters, it will be paid at 3%.

Shenyang Second Suite Deed Tax New Deal

1. According to the new deed tax policy for the second apartment in Shenyang, the first deed tax for the house is 65438+ 0.5% of the appraised price if the area is more than 90 but less than 144 square meters; It is higher than the market guidance price in this region, and the area is greater than or equal to 144 square meters. The buyer is not the deed tax of the first two houses or the deed tax of more than two houses is 4% of the appraisal price.

2. According to the new deed tax policy for the second apartment in Shenyang, if an individual purchases the only family house 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 over 90 square meters, the deed tax shall be levied at the reduced rate of 1.5%.

3. If an individual purchases a second set of improved family housing with an area of 90 square meters or less, the deed tax shall 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%. The second set of improved housing for families refers to the second set of housing purchased by families who already own a set of housing.

legal ground

Article 3 of People's Republic of China (PRC) Deed Tax Law stipulates that the deed tax rate is 3% to 5%. The specific applicable tax rate of deed tax shall be proposed by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government within the tax rate range specified in the preceding paragraph, submitted to the Standing Committee of the people's congress at the same level for decision, and reported to the NPC Standing Committee and the State Council for the record. Provinces, autonomous regions and municipalities directly under the Central Government may, in accordance with the procedures prescribed in the preceding paragraph, determine different tax rates for the transfer of ownership of different subjects, different regions and different types of houses.