The latest housing purchase policy in 216

1. If the provident fund is used for the first time and the Taoxing construction area is less than 9 square meters (inclusive), the minimum down payment ratio of the loan is the house? 2% of the total house price. If the purchase area of the provident fund loan is more than 9 square meters, the minimum down payment shall be more than 3%;

2. You can only borrow if you have paid for one year continuously and are still in the state of paying. The loan amount is calculated according to your deposit. At present, the interest rate is that the personal contribution exceeds that of 6 yuan, which can entertain 8, yuan. In addition, the loan amount is graded, and the highest loan amount is 1.4 million yuan

3. According to the current deed tax policy, individuals purchase houses at different tax rates. According to the regulations, if an individual purchases an ordinary house, and the house is the only house in the family, and the area of the purchased ordinary commodity house is less than 9 square meters (including 9 square meters), the deed tax shall be implemented according to 1%; ? If the apartment area is 9 square meters to 144 square meters (including 144 square meters), the tax rate will be halved, that is, the actual tax rate will be 2%; The deed tax rate shall be levied at 4% if the area of the purchased residential unit is more than 144 square meters. The purchase of non-ordinary houses, two or more houses, and commercial investment properties (shops, office buildings, business apartments, etc.) are all taxed at the rate of 4%.

4. On March 3, 215, the website of the central bank issued a notice saying that for households who own a house and the corresponding housing loan has not been settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied houses, and the minimum down payment ratio should be adjusted to not less than 4%. The specific down payment ratio and interest rate level should be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.

(1) Different interest rates: commercial loans are higher (1 years in 213) by 6 or 55%. Provident fund 4, 5%.

(2) The lending time is different: the commercial loan is fast and the provident fund is slow.

(3) The maximum amount is different: commercial loans are generally not limited, while provident funds are limited, and regulations vary from place to place. The maximum amount generally ranges from 4, yuan to 8, yuan.

(4) different loan objects: commercial loans are not limited, and the provident fund can only be handled for the deposit objects.

5. The loan authority is different: commercial loans are not limited, and provident fund loans are limited to loans where deposits are made or loans in different places where policies allow.

On March 3, 215, the Ministry of Finance and State Taxation Administration of The People's Republic of China issued the Notice on Adjusting the Business Tax Policy on Individual Housing Transfer (Caishui [215] No.39), which stipulated: "If an individual sells a house that has been purchased for less than two years, the business tax will be levied in full; If an individual sells a non-ordinary house that has been purchased for more than 2 years (including 2 years), business tax shall be levied according to the difference between his sales income and the purchase price of the house; Individuals who purchase ordinary houses for more than 2 years (including 2 years) for external sales are exempt from business tax. "

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