At present, the country is very concerned about talents. Everyone must have heard of the talent purchase policy, which is very welfare. There are actually some preferential policies for buying a house now. The most important thing is that graduate students buy houses. The policy of purchasing houses for graduate students has not been introduced for a long time, and it is normal for some people not to understand nature. What about the preferential policies for graduate students to buy houses? How to handle the postgraduate housing loan?

Preferential policies for postgraduate housing purchase

The interest rate of individual housing provident fund loans was lowered, and the interest rates of all grades were lowered by 0.27 percentage points respectively. Individuals who purchase ordinary houses for more than 2 years for external sales will not bear business tax.

1. If an individual purchases an ordinary house of 90 square meters or less for the first time, the deed tax rate will be temporarily reduced to 1%, and the municipal real estate trading center will issue a certificate of first purchase.

2, personal sales or purchase of housing temporarily exempt from stamp duty.

3, individual sales of housing temporarily exempt from land value-added tax.

4. The lower limit of the loan interest rate can be extended to 0.7 times of the benchmark loan interest rate, and the minimum down payment ratio can be adjusted to 20%.

5. Personal income tax shall not be borne for the income obtained by individuals from transferring the house for their own use for more than 2 years and being the only living room for the family.

How to handle the postgraduate housing loan?

1. The borrower shall submit a written application to the municipal housing provident fund management center, fill in the housing provident fund loan application form, and truthfully provide relevant information. City housing provident fund management center is responsible for the borrower's qualification, guarantor's qualification, loan amount and loan period and the completion of the contract review. After signing relevant contracts or agreements with the Center, the borrower shall handle insurance according to the regulations of the People's Bank of China.

2 loan procedures are completed, the city housing provident fund management center issued a loan approval notice to the bank. After receiving the loan notice, the bank pays special attention to the loan transfer procedures: when buying a house, the borrower can know the loan amount and monthly repayment amount by going to the bank to calculate according to his own provident fund payment. According to the relevant provisions of provident fund management, it is withdrawn once a year.

3. Suppose the customer withdraws the provident fund 1.500 yuan once a year, the monthly repayment amount of the provident fund loan is 1.500 yuan, and the repayment amount of the commercial loan is 1.000 yuan. In terms of repayment method, you can choose the "balance cancellation method", that is, the extracted provident fund will first repay the housing provident fund loan and the principal and interest of the current month's commercial loan (* * * calculated in 250 yuan). The balance is 65,438+0, and 250 yuan can be used to repay the principal of commercial housing loan in one lump sum. After the commercial housing loan principal is paid off, the remaining balance will be used to repay the provident fund loan principal, because the commercial loan interest rate is higher than the provident fund loan interest rate.

The specific introduction of how to apply for loans for graduate students to buy a house is almost different for different groups of people. As today's talents, graduate students certainly have some special concessions, but sometimes the concessions are not very strong, so don't be too entangled in some situations after understanding. Real-time application is the best way.