After adjustment
If you own 1 house and the house purchase loan is not settled, the minimum down payment ratio is 40%.
Before adjustment
The minimum down payment ratio is 60%, and the minimum down payment ratio in the north, Guangzhou and Shenzhen is 70%.
Down payment ratio of provident fund loans
After adjustment
The minimum down payment for purchasing the first ordinary self-occupied house is 20%.
Those who own 1 apartment and have settled the house purchase loan can apply for housing provident fund entrusted loan to purchase ordinary self-occupied housing, and the minimum down payment ratio is 30%.
Before adjustment
The minimum down payment ratio for the first set of ordinary self-occupied housing loans below 90 square meters is 20%.
Above 90 square meters, the minimum down payment ratio is 30%.
Calculate an account
Take the real estate with a total price of 6.5438+00,000 yuan as an example. The down payment of buyers in the north, Guangzhou and Shenzhen is reduced to 400,000, and the down payment before is at least 700,000. Then, compared with before, a * * * needs to pay 240,000 more interest and 2,236 yuan more.
For property buyers in other cities, the down payment is reduced to 400,000, and the down payment before is at least 600,000. Then, compared with before, a * * * needs to pay more interest of 1.6 million, and pay back 1.490 yuan every month.
Ordinary housing business tax
China will adjust the business tax policy of individual housing transfer from March 3, 20 151day.
After adjustment
If an individual sells a house that has been purchased for less than 2 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 the sales income and the purchase price.
Individuals who purchase ordinary houses for more than 2 years (including 2 years) for external sales shall be exempted from business tax.
Before adjustment
If an individual sells a house that has been purchased for less than 5 years, the business tax will be levied in full.
If an individual sells a non-ordinary house that has been purchased for more than 5 years (including 5 years), business tax shall be levied according to the difference between the sales income and the purchase price of the house.
Individuals who purchase ordinary houses for more than 5 years (including 5 years) for external sales shall be exempted from business tax.
Calculate an account
Take an ordinary house with a transaction price of 2 million yuan for less than 5 years but more than 2 years as an example, you can pay less tax 1 1. 1.0000 yuan when trading.