What is the first suite?
The first suite refers to the purchase of only one set of housing, subject to the national standard of the first suite. The People's Bank of China stipulates that urban residents in China can enjoy preferential policies such as preferential mortgage interest rate and low down payment ratio when purchasing the first home.
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.
The People's Bank of China officially issued the Notice of the People's Bank of China and the Banking Regulatory Commission of China on Further Improving Housing Financial Services, which made it clear that families who own/kloc-0 apartments and have settled the corresponding housing loans should apply for loans again to buy ordinary commercial housing and implement the first home loan policy.
If you want to enjoy all kinds of tax relief and loan concessions according to the purchase of the "first suite", you must apply by the purchaser himself, and submit an application to the district and county real estate exchange where the purchased house is located with the purchase contract and identity documents. The first purchase certificate shall be issued within 7 working days from the date of acceptance of each transaction.
What should I pay attention to when buying the first suite?
1. Before buying a commercial house, you need to know how much money you have to buy a house and whether it is enough to pay the house price. If you are going to buy a house with a loan, you need to see if your monthly salary is enough to repay your monthly payment, so as to avoid excessive pressure after buying a house and affecting your normal home life. Generally, your monthly salary needs to be more than twice your monthly payment.
2. When buying a commercial house, it is necessary to have perfect supporting facilities and transportation around it to meet daily needs. Look at the internal management of the community, the greening of the community, and whether the security guards are conscientious, which can affect the home life of the community owners. If you encounter irresponsible property, it is really a big deal.
3. Before buying the first house, you need to have the corresponding real estate knowledge, so as to clarify the purchase process, prepare the materials needed for buying a house, and ensure that it is in place at one time. Moreover, when signing the purchase contract, the developer should write the promise into the contract to avoid the developer's regret afterwards.