Will the mortgage repayment be postponed because of the epidemic? During the epidemic period, the repayment of housing loans can be postponed. Five departments, including the People's Bank of China, issued the Notice on Further Strengthening Financial Support for the Prevention and Control of novel coronavirus Epidemic, which clearly pointed out that people who were hospitalized or protected for new pneumonia, people who participated in the prevention and control of the epidemic, people who participated in the prevention and control of the epidemic and their groups who temporarily lost their fixed income due to the epidemic must be observed in isolation. Financial enterprises should give appropriate tilt to the loan policy, flexibly adjust the repayment distribution of personal loans such as housing mortgage loans and bank credit cards, and effectively postpone the repayment period.

However, observers and staff involved in epidemic prevention and control should be separated from hospitalized or protective personnel of new pneumonia caused by influenza. If the repayment is not made in time due to epidemic hazards, and the overdue records have not been declared and submitted, the overdue related loans can be adjusted. For individuals and enterprises that temporarily lose their fixed income due to the epidemic, they shall declare their personal credit records according to the adjusted repayment distribution.

The latest policy for banks to handle deferred repayment: 1, China Postal Savings Bank.

Users who are unable to repay due to hidden dangers of the epidemic can provide deferred repayment service for up to 6 months.

2. Bank of Communications

Personal loan customers whose repayment ability is temporarily reduced due to epidemic hazards can be given a certain buffer period, and personal credit reporting qflp can be applied according to the current policy during the epidemic prevention and control period.

3. Industrial and Commercial Bank of China

For users who have difficulties in repayment due to the epidemic, ICBC will apply to customers according to the actual situation, adjust the repayment distribution, postpone the repayment period, and ease the pressure on customers to repay loans.

Is the first home loan strict? The first mortgage loan is harsh. Generally speaking, you can apply for the first home loan only if you have a real identity of urban hukou or reasonable job, a stable income, good credit information, the ability to repay the principal and interest of the loan on time, more than 30% of the total contract price of the purchased house, the down payment of the purchased house, the property recognized by financial institutions as a mortgage or pledge loan, or a unit or individual with sufficient repayment ability as the loan principal.

What tax do I have to pay to buy the first set? Buying the first set requires deed tax and contract stamp duty.

1. deed tax: deed tax is levied on the real estate whose right to use has changed, and direct tax is levied on the property owner. If the house is an ordinary house of 90 square meters or less, and the house is a rare house in the family, the collection rate will be reduced by 1%, and the deed tax will be levied on ordinary houses of 90 to 144 square meters, and 3% will be levied on the part exceeding 144 square meters, and 3% will be levied on ordinary houses. General deed tax is paid together with the down payment, real estate agency. After paying various fees, the Real Estate Agents Association will produce a formal proof of payment for the purchase.

2. Contract Stamp Duty: The contract stamp duty should be paid directly when the contract is concluded, accounting for 0.05% of the total house price, which is generally paid together with the down payment, which is conducive to the unified contract registration and real estate license for real estate developers.