First and second home loan interest rates
The second home loan interest rate, also called the second home loan interest rate, is 20 1 1. /kloc-since October, the State Council has required all financial institutions to implement differentiated credit for housing loans. For families (including borrowers, spouses and minor children, the same below) who purchase the first self-occupied housing with a construction area of over 90 square meters in Xing Tao, the down payment ratio of the loan shall not be less than 30%; For families who purchase a second home by loan, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management.
Second, 20 19 second-home loan policy
The New Deal stipulates that the deed tax will be levied at a reduced rate of 1% for individuals who purchase family housing (family members include buyers, spouses and minor children) with an area of 90 square meters or less; If the area is over 90 square meters, the deed tax shall be levied at the reduced rate of 1.5%; In addition to the north, Guangzhou and Shenzhen, the deed tax will be levied at a reduced rate of 1% for individuals who purchase a second set of improved family housing with an area of 90 square meters or less; If the area is more than 90 square meters, the deed tax shall be levied at a reduced rate of 2%. The relevant departments stressed that the second improved housing for families refers to the second house purchased by families who already own a house; This time, the three departments also stipulate that if a taxpayer applies for tax incentives, the real estate department where the house is purchased will issue a written inquiry result of the taxpayer's family housing according to the taxpayer's application or authorization, and the inquiry result and related housing information will be transmitted to the tax authorities in time; If the inquiry conditions are not available for the time being and the results of family housing inquiry cannot be provided, the taxpayer shall submit a written credit guarantee for the actual number of family housing units to the tax authorities. If the credit guarantee is untrue, it is a false tax return, which shall be handled in accordance with the relevant provisions of the Law of People's Republic of China (PRC) on Tax Collection and Management, and the dishonest record shall be included in the personal credit information system.
To sum up, we all have how to calculate the second home tax and what is the second home loan policy 20 19. Different regions have different tax policies for second homes. Before buying a house, it should be clear that there are some interest rates floating on the second home loan.