So many questions, answer them one by one!
1. 170 square meters cannot enjoy the current preferential treatment of the country. It was bought by the last family in 2006, and the house was less than five years old. You need to pay 5.5% business tax, 1% deed tax, 1.5% (first-time purchase), stamp duty and land value-added tax. The calculation method is 1.4 million *5.5%, the same below! You can make a low-cost contract or give gifts (as long as your management there is not strict)
After the transfer, you can use your current house loan to decorate, or you can recruit three civil servants to make a secured loan of 65,438+10,000 yuan! You can't apply for loans from the provident fund. You can only use the provident fund if you buy a house!
3, negotiation, if the bank has paid back the money, you can ask the homeowner to give it to you again. There is no way!
See if there are any bad records left in the bank. As long as there are three bad records, it will be troublesome to apply for a loan!
That's your record in the bank!
Ask again if you don't understand.
Supplement to the question:
1. At present, the preferential policies of the state are as follows: from 2008 1 1, the deed tax rate will be temporarily lowered to1%for individuals who purchase ordinary houses of 90 square meters or less for the first time; Individuals selling or buying houses are temporarily exempt from stamp duty; Personal housing sales are temporarily exempted from land value-added tax. Local governments can formulate policies for fee reduction and exemption to encourage housing consumption. There are two kinds of deed tax rates: 1.5% or 3%, and 1.5% means buying a house for the first time!
2. The business tax deed tax is calculated in full, as you said, so it can be calculated! All the same. It still adds up to so much money!
3. The taxes and fees are paid before the transfer!
4 current house loan decoration? I don't understand. Is it your previous house or the house that has been transferred? The interest rate of the current house and the house after transfer is the same!
5. With this policy, CCB can do it without mortgage, and every place is different! I don't know what's going on over there
6. This situation is not realistic unless you communicate with the owner! !
Ask again if you are unknown. ......