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What are the preferential policies for the first suite?
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Shanghai fahe
2022-04- 18 Baidu Certification: Shanghai Fahe Information Technology Co., Ltd.
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Legal analysis: 1. Deed tax preference: According to the provisions of Caishui [2016] No.23, if an individual purchases a family's only house 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 over 90 square meters, the deed tax shall be levied at the reduced rate of 1.5%.
2, loan concessions: the down payment ratio of the first suite is about 20%-30%, and the down payment amount is low; In addition, the loan interest rate of the first suite is much more favorable than that of the second suite.
3. Preferential tax rate for sale: If the first suite belongs to the only house in the family, the property right can be exempted from VAT for two years and taxed for five years.
The first suite refers to the purchase of only one set of housing, subject to the national standard of the first suite.
The so-called "first suite" must meet three conditions at the same time: the buyer 18 years old; The house you bought is an ordinary house of 90 square meters or less (ordinary houses of 90 square meters or less enjoy preferential deed tax rate1%); There is no house purchased alone or jointly with others under the name of the purchaser. However, housing purchased with parents, purchased in accordance with the housing reform policy, and acquired through inheritance or demolition and resettlement are excluded.
Logo of the first suite:
1, the loan has already bought a suite, the commercial loan has been settled, and then the loan is used to buy a house-the first set.
I bought a suite with a loan and later sold it. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system, and then you can borrow money to buy a house-the first set.
3. I bought a suite in full and bought a house with a loan-the first set.
4. I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I took out a loan to buy a house-the first set.
5. There are two commercial loan records in the name of the individual, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, when refinancing, the first set will count.
6. One commercial loan has been paid off, and the other is the provident fund loan has been sold. At the same time, you can provide proof of house sale and apply for a commercial loan to buy a house-the first set.
7. Husband and wife, one party buys a house with a commercial loan before marriage, and the other party buys a house with a provident fund loan before marriage. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status.
8. Husband and wife, one party has a house before marriage but no loan record, and the other party has a loan record before marriage but no real estate under his name. After marriage, he buys a house and applies for a loan-the first set is counted.
Legal basis: 3-5% in Article 3 of Provisional Regulations on Deed Tax in People's Republic of China (PRC).
The applicable tax rate of deed tax shall be determined by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government within the range specified in the preceding paragraph, according to the actual situation in the region, and reported to the Ministry of Finance of People's Republic of China (PRC) and State Taxation Administration of The People's Republic of China for the record.
Article 4 Tax basis for deed tax:
(a) the transfer of state-owned land use rights, the sale of land use rights and the sale of houses are all transaction prices;
(two) the gift of land use rights and the gift of houses shall be approved by the tax authorities with reference to the market price of the sale of land use rights and houses;
(three) the exchange of land use rights and housing is the difference between the exchanged land use rights and housing prices.
If the transaction price mentioned in the preceding paragraph is obviously lower than the market price without justifiable reasons, or if the difference between the land use right and the exchange house price is obviously unreasonable without justifiable reasons, the tax collection organ shall refer to the market price for verification.
Article 5 The taxable amount of deed tax shall be calculated and collected according to the tax rate stipulated in Article 3 and the tax basis stipulated in Article 4 of these Regulations. Calculation formula of tax payable:
Taxable amount = tax basis × tax rate
The tax payable is calculated in RMB. If the transfer of ownership of land and house is settled in foreign exchange, it shall be calculated by converting the central parity of RMB market exchange rate published by the People's Bank of China on the date when the tax obligation occurs into RMB.
Answer in April 2022-18
Grab the first praise
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What are the preferential policies for the first suite?
The People's Bank of China stipulates that urban residents in China can enjoy preferential mortgage interest rates when purchasing the first home. However, the buyer of the "first suite" must meet three conditions at the same time: the buyer's age is 18 years old, the house purchased is an ordinary house of 90 square meters or less (the ordinary house of 90 square meters or less enjoys the preferential tax rate of deed tax 1%), and the buyer has not purchased it by himself or with others at present. However, housing purchased with parents, purchased in accordance with the housing reform policy, and acquired through inheritance or demolition and resettlement are excluded. After purchasing the first suite, the purchaser will enjoy the following benefits: for households with a set of housing and outstanding housing loans, the minimum down payment ratio will be adjusted to not less than 40%. Use the housing provident fund loan to purchase the first set of ordinary self-occupied housing, with a minimum down payment of 20%; Families who own a house and have settled their loans apply for housing provident fund to buy a house again, with a minimum down payment of 30%. So this is why many people try to talk about the house they are going to buy and apply to be the first suite.
The feeling of entertainment is doubled.
Answered on 20 15-07-26.
53 likes 1 comments
What are the preferential policies for purchasing the first suite?
Since June 5438+065438+1 October1day in 2008, the deed tax rate has been reduced to 1% for individuals who purchase ordinary houses of 90 square meters or less for the first time. The lower limit of the loan interest rate can be extended to 0.7 times of the benchmark loan interest rate, and the minimum down payment ratio can be adjusted to 20%. From 65438+1 October1to 65438+February 3, 20091,residents who have used loans to buy a house, but the per capita housing area is lower than the local average, and then apply for loans to buy a second set of ordinary self-occupied housing to improve their living conditions, can apply for the first loan to buy ordinary self-occupied housing preferential policies. To enjoy the preferential policy for the first suite, you must meet the following three conditions: housing purchased after 2008 1 1.2; The house belongs to ordinary housing, that is, it is below 144 square meters (including below 90 square meters and between 90- 144 square meters); Real estate registrants are first-time buyers. If a husband and wife have a commercial house, they can't enjoy the first suite discount. However, the property acquired by inheritance, demolition and division does not belong to the category of commercial housing.
Zuancheng investment guarantee co., ltd
Answered on 20 17-02-08.
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