According to the national regulations, as long as the bank approves the mortgaged materials, it can be loaned, so the duplex building purchased in Jiading can be loaned, but it can only be loaned if it meets the conditions of Jiading loan. According to the national regulations, as long as the bank approves the mortgaged materials, it can be loaned, so the duplex building purchased in Jiading can be loaned, but it can only be loaned if it meets the conditions of Jiading loan. Speaking of Jiading housing loan, let's talk about buying a duplex building in Jiading. Can we get a loan? And how to borrow money to buy a duplex building in Jiading?

Can I get a loan to buy a duplex building in Jiading?

According to national regulations, loans can be made as long as the bank recognizes the collateral, so the duplex building purchased in Jiading can be loaned.

How to borrow money to buy a duplex building in Jiading

1. You need to open a current deposit account in the business institution of CITIC Industrial Bank;

2. Please fill in the loan application form as required, and submit the Jiading double mortgage loan application form and required materials as instructed by the bank;

3. The bank manager or appointed lawyer visits you at home to investigate the authenticity, legality and completeness of the mortgage loan information you provided for Jiading duplex building;

4. After the bank has passed the examination and approval, it will inform you of the examination and approval results and sign a loan contract with you;

5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;

6. CITIC Industrial Bank will directly transfer the mortgage loan of Jiading duplex building to the special account you opened in CITIC Industrial Bank or the account designated by you and approved by CITIC Industrial Bank;

7. Please repay the principal and interest according to the loan contract.

What tax do I have to pay to buy a duplex building in Jiading?

1. deed tax: 3-4% if Jiading duplex building is a second suite or 144 square meters or more;

2. First suite1.5-2%; Less than 90 square meters 1%.

3. Business tax: 5.5% of the transaction price (Jiading duplex building is 5 years old and the first suite is exempted). If it is given by an immediate family member, this fee is exempted.

4. Personal income tax: 1% of the transaction price of Jiading duplex building. If it is donated by immediate family members, this fee is exempted.

5. Transaction cost: 6 yuan /M2

6. Transfer registration fee: 80 yuan/Zhang.

7. Jiading duplex building title certificate search and Jiading duplex building title certificate decal: around 50 yuan.

8. If the donated Jiading duplex building property is resold, the non-immediate family members need to pay 20% personal income tax. Gifts from immediate family members are exempt from this fee.

In short, do you know if you can buy a double loan in Jiading before you buy it? And what is the process of buying a double loan in Jiading, which can help you buy a double loan in Jiading faster. The above is my knowledge of buying a double loan in Jiading. I hope the above contents can help you to buy a double loan in Jiading.