2023 first-time home interest rate Recently, some places have intensively introduced new real estate control policies, which has reduced the cost of buying a house. The central bank and the China Banking and Insurance Regulatory Commission issued an announcement on January 5, clarifying the need to establish a dynamic first home loan interest rate adjustment mechanism. So far, nearly 30 cities have adjusted their first-home mortgage interest rates. Among them, many second-tier cities have begun to implement the minimum standard for first-home loan interest rates of 3.8: in some third- and fourth-tier cities In cities, some banks have begun to implement first home loan interest rates at 3.7.

Some places also provide tax subsidies for housing for special groups. Urumqi has issued a new policy to provide a 50% tax discount for the first purchase of a house with an area of ??no more than 130 square meters; Rongyang City, Henan: Qualified young and outstanding talents can enjoy up to 100,000 yuan for their first purchase of a house. Housing subsidies, and those who purchase a house before June 30, can enjoy a tax subsidy of 30-40; Lu'an City, Anhui Province has issued a policy that for families with multiple children, they can purchase new houses with an area of ??no more than 144 square meters. Give 50 discount.

However, there are preferential policies for deed tax reduction and exemption for the first home. If you want to enjoy various tax reductions and loan concessions as if you were buying the first home, you need to apply for it yourself and go to the house with the purchase contract and ID card. Apply to the district or county real estate transaction center where you are located. The real estate registration agency shall provide the applicant with the first real estate registration certificate within 7 working days after accepting the application.

If the taxpayer exceeds its taxable income, it shall be returned promptly after verification by the tax department; if the taxpayer has not settled the amount, it may make up the amount within three years and make up the amount after three years. . If refunds are involved, they will be refunded in accordance with laws and administrative regulations on national financial management.

The above is the main content of the first-time home interest rate in 2023. I believe everyone has an understanding of these contents, and I hope it can bring you some help.