The down payment ratio of individual housing mortgage loan shall not be less than 30%. Considering the housing needs of low-and middle-income people, the down payment ratio of 20% will still be implemented for those who buy self-occupied houses below 90 square meters. Then buy a villa with a down payment of a few percent lower. Do I have to pay property tax to buy a villa? Let's take a look at the specific situation in this regard. The down payment ratio of individual housing mortgage loan shall not be less than 30%. Considering the housing needs of low-and middle-income people, the down payment ratio of 20% will still be implemented for those who buy self-occupied houses below 90 square meters. Then buy a villa with a down payment of a few percent lower. Do I have to pay property tax to buy a villa? Let's take a look at the specific situation in this regard.

How low is the down payment for Putian Villa?

1. The down payment of Putian villa is generally 30% to 50%. If the first suite has used the loan to buy a house, according to the relevant regulations, whether it is paid off or not, it will be implemented according to the second suite loan standard. In addition to not enjoying the preferential interest rate, the down payment is increased by 10% and the interest rate is increased by 10%.

2. Second-home provident fund loan: According to relevant regulations, if an individual has no loan balance in the credit information system, buying a house again is regarded as the first suite. In other words, the first suite bought by personal loan has been sold or settled, and the second house purchase is treated as the first set.

3. If you have used the loan to purchase the first self-occupied housing and have a loan record, regardless of whether the loan has been paid off, if you apply for a second (inclusive) housing loan from a commercial bank again, it will be implemented in accordance with the second home loan policy.

Does Putian villa have to pay property tax?

1. If the property tax is levied on Putian villa, the tax targets of the property tax include: for single-family villas, whether they are stock houses or incremental houses, they must be taxed; High-end apartments with prices more than twice the local average price will also be taxed.

2. Regarding the tax rate of property tax, the property whose house price reaches 2 to 3 times the local average price is taxed at 0.5% of the property value; For real estate whose house price reaches 3-4 times of the local average price, it is taxed at 1% of the real estate value; If it is more than 4 times, it will be taxed at the rate of 1.2%.

The above is what I learned for you. How low is the down payment for Putian Villa? Does Putian villa have to pay property tax? I believe that after reading it, it will help you in the future. In addition, I remind you that you must prepare relevant materials to avoid wasting time.