What is the difference between the first suite and the second suite?
1, loan interest rate. The loan interest rate of the second home loan is much more favorable than that of the first home loan. The interest rate of the second-home provident fund loan is higher than that of the first-home provident fund loan 10%. The loan interest rates of other commercial loans are stipulated by banks, but generally speaking, they are relatively high.
2. Loan amount. The loan amount of the second home loan is much lower than that of the first home loan. For example, in Beijing, the first home borrower can borrow 70%, and the second home borrower can only borrow 30%. The specific loan amount shall be subject to the regional regulations.
3. Difficulties in obtaining loans. Of course, the second home loan is much more difficult than the first home loan, especially when the funds are tight, it is often difficult to apply for a second home loan.
4. Deed tax ratio. The housing area of the first suite within 90_ is levied at 1%, the area within 90 _- 144_ (different places) is levied at 1.5% (calculated at the local tax rate of 3%), and the area above 144_ is levied at 3% (different places)
What are the advantages of the first suite over the second suite?
1, the down payment ratio is even lower.
If you want to borrow money to buy a house, the down payment is affirmative. If you are the first suite and the down payment ratio is lower than that of the second suite, for example, the down payment ratio of the first suite is 30% of the house price, then the down payment ratio of the second suite is at least 40% of the house price. Now that house prices are getting higher and higher, it is not easy to get enough down payment. The down payment of 65,438+00% is not a small sum for many young people.
2. The loan interest rate is more favorable.
Loans will have interest, and interest is also a big expense for buyers. In most cities, the interest rate of the first home loan is 10% higher than the benchmark interest rate, and that of the second home loan is 20% higher than the benchmark interest rate.
3. Deed tax relief
Friends who have bought a house know that it is a stipulated policy to pay deed tax when buying a house. When the property right of the house changes, it is necessary to levy deed tax on the new owner, and the tax rate is generally 3%-5%. The first suite can enjoy deed tax relief. For example, the first purchase of ordinary housing with an area of less than 90 square meters, the tax rate is only 1%.