Since July, 2065438 1 day, adults from other provinces have no houses in Kunming (development zone 3, zone 5 of the main city), and individuals are restricted to purchase 1 set of new houses.

In other words, mainlanders can't buy new houses (first-hand houses) in Kunming and want to fall under the name of minor children. Second-hand houses are not limited to purchase, regardless of mainlanders or minors.

At present, affected by the epidemic, the central bank has released water to cut interest rates. Now (March 7, 2020), the mortgage interest rate in Kunming is about 5.25%, and LPR is 4.75%+0.5% (50bp) = 5.25%. The interest rate of the second home loan is 5.6%, and the LPR is 4.75%+0.85% (85bp). Compared with before the Spring Festival (before February 20, 2020), the interest rate of the first loan has dropped from 5.6% to 5.25%.

Down payment ratio: the current down payment ratio, the first set: all major banks basically start from 22%, which is affected by personal qualifications (credit record, work unit, income flow).

Second, how to pay the deed tax when buying a house in Kunming?

1. According to the regulations, it should be paid by the purchaser. Under normal circumstances, the sales department of the developer can pay the deed tax on behalf of the buyer, but the sales department has no responsibility and obligation to pay the deed tax on behalf of the developer. Therefore, if the sales department of the developer does not provide this service, or no longer pays on behalf of the developer, it still needs to pay by itself or entrust relatives and friends to pay.

Deed tax is a kind of property tax levied on real estate with changed rights.

2. You can find someone to pay taxes, but it depends on whether you buy a new house or a second-hand house, as follows:

New house: Just give the money to the developer and the developer will give you a receipt. He doesn't care who gave the money, as long as he receives it.

Second-hand housing: deed tax is required for the transfer of second-hand housing. As for how to pay the deed tax on your house, you should know that when you pay the deed tax, you need to take the payment slip to the payment window and give him the money, no matter who owns it. But I need to be present to apply for the title certificate. If I don't show up, I need a notary.