202 1 Nanjing Second Home Loan Policy
1. To apply for a second home loan, at least 40% down payment is required. If we own a house at home, but there is no loan record or we have paid off the mortgage, then the minimum down payment for buying a second house in Liuhe District is 35%. If you buy two houses in Gaochun District and Lishui District of Nanjing, the minimum down payment is 30%. The minimum down payment ratio for buying two houses in the eighth district of Nanjing's main city is 50%.
According to the regulations, only families registered in Nanjing can buy two houses. Moreover, according to the latest policy, Liuhe District, Gaochun District and Lishui District of Nanjing have also been included in the scope of foreign household registration purchase restriction. People with foreign household registration can only buy a house in Nanjing.
3. If the mortgage of the first house is paid off, then apply for a loan to buy the second house. If you buy in Liuhe District, the minimum down payment is 50%. If you buy two houses in Gaochun District and Lishui District of Nanjing, the minimum down payment is 40%. Buy two houses in the eighth district of Nanjing, and the minimum down payment is 80%.
4. If we want to apply for provident fund to buy two houses, then the per capita residential area of the first house we live in needs to be less than 32%, and the loan has been paid off before we can apply for provident fund to buy two houses, and the minimum down payment ratio is 30%.
How much is the transfer fee for the second suite?
1, deed tax:1%for the first purchase of a house below 90 square meters; 90140m2 shall be paid at 0.5% of the house price of 65438+; /kloc-3% of the house price shall be paid to the buyer for the part over 0/40 square meter (3% for the second suite);
2. Business tax: the property right of the house is exempted for five years, and 5.8% of the house price is paid for less than five years. To be borne by the seller;
3. Land value-added tax: the house property right is exempted for five years. If it is less than five years, it shall be paid in advance at the rate of 1% of the house price, and calculated at the progressive tax rate. To be borne by the seller;
4. Income tax: the property right of the house shall be exempted for five years, and if it is less than five years, it shall be paid at 1% of the house price or 20% of the difference between the original value of the house and the present value of the house. (The original value of the house is generally calculated according to the last deed tax) borne by the seller;
5. House transaction fee: according to the construction area of 6 yuan/m2, both parties shall bear it;
6. Housing property registration fee: 80 yuan. To be borne by the buyer;
7. Housing appraisal fee: 0.5% of the appraisal amount.
This is the end of the second housing loan policy in Nanjing (202 1). I believe you know something about the loan policy for the second house in Nanjing. If you want to buy a second house in Nanjing, it is not a simple matter to meet the relevant conditions, so it is necessary to know the relevant knowledge before buying a house, so as to help you buy a house better.