The third suite policy in 2023 is as follows:

1, the criteria for determining the third suite are as follows:

(1) There are two sets of commercial loan records in the personal name, one set has been paid off and sold, and the other set has not been paid off. If this situation is refinanced, it will be recognized by the bank as the third set of housing loans;

(2) There are two sets of commercial loan records in the personal name, all of which have been paid off and sold. Although two sets of house sales certificates can be provided, and there is no real estate under the personal name, it will be recognized as the third set when it is mortgaged;

(3) A set of commercial loans under the personal name has been paid off, and another set of provident fund loans has also been paid off. If the borrower wants to use the provident fund loan to buy another property, it will be regarded as a third suite according to the new provident fund policy, and it will be implemented according to the third suite loan policy;

(4) The first set of housing provident fund loans, two sets of housing commercial loans, and two sets of housing commercial loans under personal names are also ready to use commercial loans. This situation will definitely count as three sets;

(5) Both husband and wife, before marriage, one party uses a commercial loan to buy a house, and the other party uses a provident fund loan to buy a house. After marriage, the two want to borrow money in the name of husband and wife. According to the New Deal, although they are all personal loans before marriage, because the central bank's credit information system has records, buying a house in the name of husband and wife will still be counted as the third suite;

(6) Both husband and wife, one of whom had a house before marriage but didn't sell it with a loan, and the other one had used a commercial loan to buy a house for his parents, and after marriage, he used a provident fund loan to buy a house in the name of the one without a loan. According to the current provident fund loan policy, no matter whether the property under an individual's name has been sold or not, whether the loan has been paid off or not, when the provident fund is used for refinancing, it will be included in the purchase record, and it will be regarded as the third loan to purchase a house under the policy standard of recognizing the house as a family unit, and the loan will be stopped;

(7) Both husband and wife, before marriage, bought a house in full in one party's name, and bought a house with provident fund loan, which has been paid off and not sold, and want to apply for provident fund loan in the other party's name before buying a house after marriage. According to the new policy of provident fund loan, the property purchased after marriage belongs to the third suite, and the withdrawal of provident fund is suspended at present;

(8) Husband and wife, one party buys a house in full before marriage, and there is no loan under his name. Buy a house in full in the name of the other party after marriage. Now they are going to use the provident fund loan to buy another suite in the same name. According to the current new provident fund policy, the house they are going to buy again belongs to the third suite, and the provident fund loan is suspended.

2. Deed tax for the first purchase of ordinary houses: within 90 square meters 1%, within 90 square meters 1.5%, and 2% for non-first purchase;

3. The tax items of the third suite are the same as those of the first two suites, which are all decided by buying a house. Including deed tax, personal income tax, business tax and its surcharges, stamp duty. Whether these taxes are reduced or at different rates depends on the third house you buy. In addition to the deed tax mentioned above, it also includes:

(1) stamp duty. Individuals who purchase commercial houses from real estate development enterprises shall pay stamp duty at 0.05% of the total price recorded in the contract;

(2) Transaction fee, 0.5% of the total house price, and 0.25% paid by the buyer and the seller respectively (residential 3 yuan/m2, paid by the developer, not paid by the buyer);

(3) Individuals need to pay a registration fee of 100 yuan (including the cost of real estate license) when purchasing commercial housing;

(4) Individuals who apply for provident fund loans by mortgage registration will be charged 100 yuan each; To apply for portfolio loans, the registration fee for other rights of real estate shall be paid according to each 200 yuan;

(5) The signing of the pre-sale contract of commercial housing should be registered with the real estate transaction management department, and the registration fee for each real estate right document is 100 yuan;

(6) The property maintenance fund is 1%-3% of the house price (generally 2% in different places, and 1% in some places).

4. Only the deed tax may be preferential in different areas because of whether the first suite or the size of the area, but the calculation base is still related to the price and area of the third suite purchased. The restrictions on the third suite only depend on the purchase restriction policies in different regions;

5. The property tax of deed tax is different from the tax of purchase and transaction, but it is a tax of holding link;

6, the third family housing, the annual property tax of 4% to 5%, and there is no deduction; For the fourth and above houses, the annual property tax of 10% is levied without deduction; Cancel the original "Provisional Regulations on Property Tax" and individual housing can pay property tax according to 12% of rental income; For commercial real estate, the property tax is paid at 12% of the rental income every year; The only house in the family is exempt from property tax;

7. The deed tax rate is 3%-5%, usually 3%. In order to support the real estate industry, in principle, deed tax is levied at 3% on second-suite, third-suite and above properties.

2. What does the third suite in Nanjing mean?

LS positive solution

There are two suites in Nanjing, and there is no loan. The third suite can be the first suite, can I pay 30%?

Down payment ratio of real estate: the average price drops slightly 18000 or so, and the down payment is 30%. Now the down payment can be divided into:

1. Take the first suite as an example, the minimum down payment for a new house with a purchase area of not more than 90 square meters can reach 20%;

2. In the case of the second suite, the minimum down payment for purchasing the property is 60%;

3. In the case of three suites, the bank that needs a loan may not approve the loan according to the house price;

4. In other cases, the minimum down payment is 30%.

Fourth, Nanjing three-suite policy.

Nanjing third-home policy: First, the third-home loan is restricted, and all banks are not allowed to apply for third-home loans. Secondly, the Notice of the General Office of the Municipal Government on Further Adjusting the Housing Purchase Restriction Policy in Nanjing issued by the Nanjing Municipal People's Government on March 6, 2007 stipulates that the third suite is completely restricted, and no matter whether it is registered in Nanjing or not, the third suite cannot be purchased. In other words, Nanjing is not allowed to buy a third house. 1. Housing provident fund repayment process: 1. The borrower (and spouse) must apply for monthly repayment of housing provident fund; 2. The sum of the balance of the borrower's and spouse's housing provident fund should be enough for one month's repayment in the process of monthly hedging repayment; 3. The borrower's housing provident fund loan is not overdue at present, including the overdue loan compensated by the guarantee company, and the borrower has also paid it off; 4. When applying for monthly mortgage repayment, the borrower shall promise to make up the difference in his bank repayment account in time when the available balance of his or her spouse's housing provident fund is insufficient to hedge repayment. II. Details of the mortgage policy in Shenzhen are as follows: 1. Deep households have no housing and mortgage records, with a down payment of 30% and an interest rate of10%; 2. Deep households have no housing and mortgage records (including loans in other places, which have been settled), with a down payment of 50% and an interest rate of10%; 3. The deep households have no housing and mortgage records (including outstanding loans in different places 1), with a down payment of 50% and an interest rate of 1. 1 times; 4. Deep households have no housing, and there are two or more outstanding mortgage records in different places, and loans are prohibited; 5. Shenhu 1 Shenzhen real estate with mortgage record (including off-site loans, which have been settled), with 70% down payment and interest rate of10%; 6. Deep households have Shenzhen real estate 1 set and mortgage records (including outstanding loans from different places 1 set), with a down payment of 70% and an interest rate of 1. 1 times; Legal basis: Article 209 of the Civil Code of People's Republic of China (PRC) establishes, changes, transfers and extinguishes the real right of immovable property, which will take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered. Article 217 The certificate of ownership of immovable property is the proof that the obligee enjoys the real right of immovable property. The items recorded in the certificate of real estate ownership shall be consistent with the real estate register; If the records are inconsistent, unless there is evidence to prove that the real estate register is indeed wrong, the real estate register shall prevail.