Xiangtan first-time home purchase policy:

1 For individuals who purchase an ordinary house of 90 square meters or less for the first time, the deed tax rate will be temporarily reduced to 1. The first-time home purchase certificate shall be issued by the Municipal Real Estate Trading Center .

2. Stamp tax is temporarily exempted from individual sales or purchases of housing.

3. Individual sales of housing are temporarily exempted from land value-added tax.

4. To provide loans for residents to purchase ordinary self-owned houses and improved ordinary self-owned houses for the first time, the lower limit of the loan interest rate can be expanded to 0.7 times the loan base interest rate, and the minimum down payment ratio is adjusted to 20.

5. The interest rates on personal housing provident fund loans will be lowered, with the interest rates for each grade falling by 0.27 percentage points.

6. If an individual sells an ordinary house that has been purchased for more than 2 years, the individual will not bear the business tax.

7. If an individual transfers the house for personal use for more than 2 years and it is the only living house of the family, the individual will not bear personal income tax.

8. For those who purchase ordinary houses for self-occupation, the minimum down payment ratio of housing provident fund loans will be adjusted to 20. For families purchasing ordinary houses for self-occupation for the first time, if they meet the loan conditions, the maximum loan limit for each borrower's basic provident fund will be increased from 200,000 yuan to 300,000 yuan, and the maximum loan limit for each household will be 600,000 yuan. . If there is a supplementary housing provident fund, the maximum loan limit per household is 800,000 yuan.

Key points for processing the first-time home purchase certificate:

1. The first-time home purchase certificate is a prerequisite for enjoying tax incentives. Customers must complete the review procedures before entering the transaction process, and should apply for the certificate at the latest The external contact form is sent to the certificate application window.

2. There is a processing period for checking the first-time home purchase certificate, which usually takes 7 working days.

Only those who meet the following conditions can apply for first-time home purchase (review) review:

(1) Individuals over 18 years old;

(2) Purchase Ordinary housing of 90 square meters or less;

(3) The home buyer does not have a house purchased alone or together with others, but purchased a house with his parents, purchased in accordance with the housing reform policy, Except for housing obtained through inheritance and property relocation or demolition and resettlement, in summary, after meeting the conditions for purchasing the first home, the home buyer will enjoy many benefits. For example, if the property purchased needs to be less than 90 square meters, the deed tax may only be 1 , if you need a loan, you can enjoy an interest rate discount of 15% off. First-time home buyers can also enjoy tax rebates. You can purchase a new house of 90 square meters with only a down payment of 20.

Legal basis:

"Notice on Adjusting Preferential Policies for Deed Tax and Business Tax in Real Estate Transactions"

Article 1: Individuals purchasing the only home for their family (within the scope of family members) Including the home buyer, spouse and minor children, the same below), if the area is 90 square meters or less, the deed tax will be levied at a reduced rate of 1; if the area is more than 90 square meters, the deed tax will be levied at a reduced rate of 1.5.

Article 2 If an individual purchases a second improved house for a family with an area of ??90 square meters or less, the deed tax will be levied at a reduced rate of 1; if the area is more than 90 square meters, the deed tax will be levied at a reduced rate of 2 Deed tax is levied at a tax rate.