Paying off the mortgage before buying a house is not the first set. There is a loan record in the name, which the bank can find. When you refinance, you can only count as a second suite. If you buy the first suite in full, applying for a loan when you buy the second suite can usually be regarded as the first set. The identification standard of the second suite is to recognize the house and the loan, that is, there is already a house under the user name, so refinancing to buy a house belongs to the second suite to apply for a mortgage, or there is only one house under the user name, which is bought by loan, and refinancing to buy a house also belongs to the loan to buy a second suite. If you want the property to be recognized as the first suite, you can't have any property under the user name. At this time, the bank will identify it as the first suite. There are two commercial loan records in my name, all of which have been paid off and sold. At the same time, you can provide two sets of certificates for selling houses, and then you can borrow money to buy a house as the first suite. At the same time, two couples, one of whom used commercial loans to buy a house before marriage, the other used provident fund loans to buy a house before marriage, and wanted to borrow in the name of husband and wife after marriage. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status. In case of any of the following circumstances stipulated in Article 3 of the Notice on Standardizing the Second Set of Housing Identification Standards for Commercial Personal Housing Loans, the lender shall implement the second set of differentiated housing credit policies for the borrower: (1) The borrower applies for a loan to purchase a house for the first time, and his family has registered more than one set of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where he intends to purchase a house; (two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing; (3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary). What is the mortgage tax refund process? The mortgage tax refund process is: 1. Open the personal income tax, click on the personal center in the lower right corner to register; 2. Click I want to pay taxes, select special additional deduction to fill in, and select housing loan interest; 3. Choose the tax refund year, prepare the property certificate, property certificate, house sales contract and loan contract, and indicate the loan contract number; 4. Fill in personal basic information and loan information. Submit information to confirm the tax refund amount. Finally, bind the personal bank card and transfer the money directly to the bank card when the tax refund is made.
I bought a suite ten years ago and paid off my mortgage. Now the country says that paying off the loan and buying a house is the first set. How to calculate the tax rate?
The above criteria may vary from bank to bank:
The second house purchased by the borrower without repayment of the mortgage is regarded as a' second house', or you ask the bank for a loan, or the loan has been paid off, if the borrower owned the house before, but there is no loan for the house.
According to the implementation standard of the second set of housing loan application in the Central Bank Law, it can be recognized as the first set of housing.
I bought a suite ten years ago and have paid off my mortgage. Now, the country says I have paid off the loan. ...
How can I put it? If you pay the same principal and interest, you will pay the same money every month. In this case, if the repayment is made in advance, it is best to pay the interest within 65,438+00 years, because most of the matching principal and interest are paid in advance. Of your monthly repayment of 2000 yuan, 1, 800 is interest. After about 10 years, your interest has been paid off, only the principal is left, and it is meaningless to advance. If the number is the same ...
I bought a suite ten years ago, and I have paid off my mortgage. Now the country says that paying off the loan and buying a house is the first set. How to calculate the tax rate?
The bank loan in your city should be both a house purchase and a loan. If there is a loan record that has been paid off, if there is no room under the name, it will be regarded as a second suite, and the interest rate will rise. The deed tax is paid according to the first set.