(Reporter Zhang Huimin Li Weilai) Since September, Huizhou, Zhongshan, Zhaoqing, Zhuhai and other places have issued announcements to adjust the tax rate of second-hand housing transfer from 2% to 1%, which has reduced the transaction cost of second-hand housing to some extent. Some people believe that this is the starting point for the property market to pick up. In this regard, some experts said that the adjustment of second-hand housing tax policy has nothing to do with real estate regulation and control, and there is no need for too much association.
Save "1 ten thousand yuan" per suite.
On September 22nd, the Taxation Bureau of Huizhou City, State Taxation Administration of The People's Republic of China issued the Announcement on Adjusting the Approved Collection Rate of Individual Income Tax and Land Value-added Tax on the Transfer of Individual Second-hand Houses in Huizhou City (Draft for Comment) (hereinafter referred to as the Announcement).
According to the announcement, the approved personal income tax rate of individuals (excluding individual industrial and commercial households) transferring second-hand houses is adjusted to 1%, and the approved personal income tax rate of individuals (excluding individual industrial and commercial households) transferring second-hand non-residential houses is adjusted to 1.5%. In the case of transfer under special circumstances such as auction, it shall be implemented in accordance with relevant tax policies. In addition, the approved rate of land value-added tax for individuals (including individual industrial and commercial households) transferring second-hand non-residential land is adjusted to 5%. The announcement shall be implemented as of 202111.
"The tax has dropped by 1 point, and each suite has saved almost 1 10,000 yuan." A real estate agent in Huizhou told the reporter of China Times. According to the data of Ke Holdings Inc, the current price of second-hand houses in Huizhou is about 6,543,800 yuan/flat. In addition, the personal income tax rate for second-hand housing transactions in Huizhou is 2%. Individual tax adjustment means that the approved personal income tax rate for the transfer of second-hand houses in Huizhou is halved and the transaction cost is reduced. Based on a set of housing with a total price of 6,543,800 yuan, the current tax amount is 20,000 yuan, and the tax amount is halved to 654.38+0 after policy adjustment.
"Although it is only 1 10,000 yuan, it is the starting point for the second-hand housing policy to get better." The above-mentioned intermediary told the reporter of China Times that since last year, the price of second-hand houses in Huizhou has risen and the control is strict. In addition, the recent strict review of second-hand housing loans has led to a sharp decline in the transaction volume of second-hand housing in Huizhou.
It is reported that on July 29 this year, Huizhou was interviewed by the Ministry of Housing and Urban-Rural Development. On August 9, seven departments in Huizhou jointly issued the Notice on Further Promoting the Stable and Healthy Development of the Real Estate Market in our city, saying that it is necessary to strictly review the sources of funds for house purchase, prevent residents from misappropriating consumer loans and personal business loans to buy houses, and prohibit non-bank financial institutions from providing loans for house purchase to individuals. In addition, we will strictly implement the three-year sales policy for newly purchased houses, suspend the sale of newly-built commercial houses to non-local residents who own 1 set or more houses in key areas, and resolutely curb speculative real estate speculation.
In addition, since the implementation of "centralized management of real estate loans" this year, Huizhou has also experienced a "mortgage shortage". In July this year, the personal loan manager of a branch of Industrial and Commercial Bank of China Huizhou told the reporter of China Times that the situation of second-hand residential loans in Huizhou was not very clear, and it might not be released for half a year. Recently, many housing agents in Huizhou told the reporter of China Times that the second-hand housing loan in Huizhou is tight, and the lending time is about 3-4 months, or even more than half a year.
According to the data of the National Bureau of Statistics, in August of 20021year, the prices of new and second-hand houses in Huizhou all fell. After rising for nine months in a row, the price of new commercial housing fell for the first time, with a decrease of 0.4%. The sales price of second-hand houses fell for two consecutive months, with a drop of 0.3% in August.
Ms. Li Li, president of Leyoujia Marketing, said that the tax rate adjustment in Huizhou is undoubtedly a big plus for those who just need to buy houses. Under the multi-dimensional strict control policies such as tight mortgage, high interest rate, restricted purchase and sale, and filing price management, the housing price in Huizhou property market has been effectively controlled at present, but it has also hurt the just-needed demand to some extent and intensified the market wait-and-see mood. The adjustment of the second-hand housing tax rate has reduced the cost and burden of buying houses, and given certain support to those who just need to buy houses from the policy to meet their normal housing needs.
"The starting point of tax rate adjustment has nothing to do with real estate"
It is worth noting that, except Huizhou, other cities in Guangdong Province-Zhuhai, Zhongshan and Zhaoqing have also issued similar policies since September 13, reducing the transaction tax on second-hand houses to 1%, and implementing it from June 1 1.
"From the reasons for adjustment, the announcements of various cities mentioned the content of' deepening the reform of tax collection and management', so the starting point of similar policy adjustments has nothing to do with real estate, but with the reform of the tax department." Yan Yuejin, research director of the think tank center of Yiju Research Institute, told the reporter of China Times.
The reporter of China Times noted that the announcements issued by Huizhou, Zhongshan, Zhaoqing and Zhuhai clearly pointed out that the announcement was issued to thoroughly implement the Opinions of the Central Office and the State Council on Further Deepening the Reform of Tax Collection and Management, further promote the unification of tax law enforcement standards among regions, fair transfer of tax burden on second-hand houses, improve tax convenience, reduce the cost of tax collection and management, and improve tax compliance and social satisfaction.
According to the statistics of Leyoujia, at present, the tax rate of second-hand residential transactions in Greater Bay Area is 1%, while the tax rates in Dongguan, Huizhou, Zhuhai, Zhongshan and Foshan are all 2%, and there are differences in tax standards.
Yan Yuejin believes that the adjustment of second-hand housing tax policy has nothing to do with real estate regulation and control, and there is no need to make too many associations. However, the adjustment of this tax policy has a certain impact on second-hand housing transactions, that is, at present, second-hand housing transactions around the country are facing cooling pressure, and the adjustment of second-hand housing tax policy reduces the transaction cost of second-hand housing and contributes to the circulation of second-hand housing. In addition, Yan Yuejin also said that (relevant departments) should prevent intermediaries and other institutions from speculating on housing and housing prices through such policies.
Can I get a loan for buying a second-hand house?
Second-hand housing can be loaned. Buying a second-hand house can be loaned, but it must meet certain conditions. Different banks have different regulations. Although the down payment ratio of second-hand houses is the same, the down payment calculation method of commercial loans of second-hand houses is different from that of new houses. Second-hand housing commercial loan down payment = transaction price-housing appraisal value x loan ratio, second-hand housing loanable amount = housing appraisal value x loan ratio.
Matters needing attention in second-hand housing loan
Verify the identity of the seller. If it's a person, look at his ID card. If you choose an intermediary, you should choose a formal real estate agent with a certain degree of credibility as the supervisor of both parties' funds and housing delivery in the second-hand housing transaction, so as to ensure the smooth transfer after the payment, and the house and money will be liquidated after the transfer.
If necessary, you can check the two certificates that an intermediary agency should have, one is the business license issued by the industrial and commercial department, and the other is the intermediary agent qualification certificate issued by the Housing and Land Administration Bureau, which is the premise of matters needing attention in buying second-hand houses. Housing Authority examines the seller's real estate license. Check: whether the owner on the property certificate is the same as the seller, and check whether the name in the seller's ID card or industrial and commercial file is consistent with the owner of the house on the property certificate. It can't be wrong in principle.
Huizhou Everbright Bank's second-hand housing loan is said to have been handed over to the lending center of the head office. What does that mean?
Lending is a process, a normal process. It usually takes about half a month to complete the process and lend money.
How to get a loan for buying a second-hand house?
When buying a second-hand house, if you want a loan, you need to master certain processes. What about buying a second-hand house loan? PChouse, let's take a look.
1. First of all, as a loan, we need to confirm the mortgage service company with the intermediary before handling the loan, and ask the mortgage service company for loan consultation to determine the loan plan. At this time, we should choose and try to find some companies with low quality and service prices.
2. After confirming the purchase intention with Gao Congying who bought a second-hand house, everyone needs to provide the provident fund account number. The mortgage service company we choose will inquire about the provident fund, and Zheng Jiao will determine the loan amount and loan term. What needs to be explained is that if everyone has less money and income, it will take a few more years to relieve the pressure.
3. Sign a house sales contract with the second-hand house owner. Due to the different requirements of the trading center, everyone needs to sign according to their own geographical situation. This can be referenced. It's simple. Then we have to prepare loan information and review loan qualifications. Generally, the review time is very fast, so don't worry.
4. After the initial review of the mortgage service company, if everyone's situation basically meets, Qi Cong will submit the loan information to the loan bank for review. If the bank also passes, the mortgage service company will arrange for everyone to sign a loan agreement with the bank, notarize the agreement, and collect fees, including housing insurance, so that our procedures can be seen to be good.
What are the transaction processes of second-hand houses in Huizhou, Shenzhen?
The process is as follows: n 1. Buyer's consultation: the buyer and the seller establish information communication channels, and the buyer knows the overall situation and property rights of the house, and requires the seller to provide legal documents, including house ownership certificate, identity certificate and other documents. N2。 Signing: The seller provides the legal proof of the house, and the buyer can pay the purchase deposit (paying the purchase deposit is not a necessary procedure for the sale of commercial housing), and the buyer and the seller sign the purchase contract (or purchase contract). After the buyer and the seller reach an agreement on the location of the house, the property right status and transaction qualification, the delivery time of the house, the delivery of the house and the property right disposal, the two parties shall sign at least three house sales contracts. N3。 Transfer: the buyer and the seller apply to the real estate transaction management department for review. After the buyer and the seller apply to the real estate management department, the management department shall examine the relevant documents, review the property rights, and grant the transfer procedures for the houses that meet the listing conditions. If there is no property right or some property rights without the written consent of other property rights, the application will be refused and the listing transaction will be prohibited. N4。 Signing the deed: according to the property right status of the transaction house, the buyer and the examination and approval authority set by the transaction department in advance, the relevant real estate departments can report it for examination and approval step by step before signing the deed. N5。 Pay taxes and fees: the composition of taxes and fees is more complicated, depending on the nature of the transaction house. For example, the tax composition of commercial housing such as housing reform, rebuilding and demolition, and affordable housing is different. N6。 Handling the formalities of property right transfer and transfer: after the two parties to the transaction complete the registration of property right change in the real estate transaction management department, the transaction data will be handed over to the issuing department, and the buyer will apply for a new property right certificate in the issuing department with the Notice of Obtaining the Property Ownership Certificate. N7: Bank loan: For the buyer of the loan, after signing the House Purchase and Sales Contract with the seller, the buyer and the seller will go to the loan bank to handle the loan formalities. The bank will review the buyer's credit, evaluate the house that both parties want to trade, determine the buyer's loan amount, and then approve the buyer's loan. After the two parties complete the registration change of property rights and the buyer obtains the house ownership certificate, the bank will issue a one-time loan. N8。 Make a settlement to complete the transaction.
The introduction of second-hand housing loans in Huizhou ends here.