Definition of the first suite
The definition of the first suite is to buy only one house. According to the regulations of the People's Bank of China, urban residents in China enjoy the preferential interest rate for the first home commercial loan when purchasing the first home. The so-called "first suite" must meet three conditions at the same time: the buyer must be 18 years old; The house bought is an ordinary house below 90 square meters; At present, there is no house purchased by the buyer alone or with others under A's name. However, housing purchased with parents, purchased in accordance with the housing reform policy, and acquired through inheritance or demolition and resettlement are excluded.
Acceptance and inquiry of the first suite
The Real Estate Bureau implements the individual purchase standard, and the New Real Estate Policy of the Ministry of Finance stipulates that the deed tax rate will be temporarily adjusted to 1% for ordinary houses with an area of 90 square meters or less signed on or after June12008. One of the three preconditions of this deed tax concession is that the commercial house that enjoys the concession must be the owner's first home. Defining the first set of housing, the real estate bureau and the Finance Bureau gave the answer.
Inquire about the first purchase information, based on the buyer in the purchase contract. When accepting an individual's first-time purchase information inquiry, it is necessary to review the identity certificate of the inquirer, the pre-sale contract of commercial housing or the sale contract of stock housing (if I can't inquire in person, the trustee shall submit the original ID card of myself and the original ID card of the client).
Based on the definition standard of property right information system, it is stipulated that in the property right registration information database, there is no property right registration record, or there is property right registration, but the source of property right is self-built, inheritance, gift, housing reform, affordable housing, demolition and resettlement housing, all of which belong to the first purchase, and the property right market department of the real estate bureau will issue the first purchase certificate. The standard also stipulates that the area for inquiring about individual purchase information is limited to the area registered by the institution that issued the first purchase certificate.
Definition and proportion of down payment
Down payment is the lowest proportion of down payment according to the national proportion when buying a house. Of course, the payment can be higher than this amount, but not lower than it, and the rest can be borrowed from the bank. The requirement of 20 13 is that the down payment for the first suite is 30% of the total house price, and the down payment for the second suite is 60% of the total house price. Because considering the repayment risk of the loan, the relevant departments will require the purchaser to provide a part of the down payment, that is, the individual pays a part of the house payment in advance, which proves that you have the repayment ability.
Down payment calculation method
The down payment amount was determined according to the national policy at that time. For example: 3000 yuan/flat house, 100 flat house is 300 thousand. Then, 20% down payment is 60,000, 30% down payment is 90,000, and 40% down payment is1.20,000.
After reading the answers to the questions about "first suite", "down payment" and "down payment ratio", I believe that most property buyers know what to pay attention to when buying a house for the first time, and will no longer be entangled in the down payment.
(The above answers were published on 2013-11-18. At present, please refer to the actual situation for the relevant purchase policy. )
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