1. Special deduction. If you are the first suite, you can apply for patent deduction according to the standard of 1 1,000 yuan per month, and you can fully reduce the interest of 240,000 yuan, but the longest deduction period cannot exceed 20 years, which is undoubtedly very good news for those who have already bought a house or are about to buy the first suite.
2. Housing subsidies. Since June this year, the national 14 region has started the talent introduction plan. If you are an undergraduate, you can get a monthly subsidy of 1500 yuan, and the subsidy with the highest education can reach 3 million yuan. In addition, if it is a locally recognized high-end talent, it can get a subsidy of more than 5 million yuan.
The mortgage interest rate will be lowered. Since 2020, the interest rate of the first home loan has dropped for six consecutive years. If people without housing buy a house at this time, compared with the previous months, the 30-year mortgage can save1770,000 yuan in interest, which is equivalent to reducing the repayment amount by more than 500 yuan per month.
4. The country has launched a large number of affordable housing. Up to now, the number of various types of affordable housing launched by the state has reached 35 million, which is really good news for those who have no housing due to financial difficulties. Without spending too much money, you can enjoy a house with the same matching and quality of life as a commercial house.
Because the relevant policies of "buying a house" are not necessarily the same in different places, the topic mainly asks the local "real estate trading center" for relevant policies and regulations in this regard, and not all cities have "buying a house to help" policies.
Beginners can make the following preparations when buying a house:
1, ready to buy a house. There are many preparations to be made before buying a house. First, you need to see if you are qualified to buy a house. Secondly, according to their own economic strength, we need to have certain expectations for the total purchase price.
2. Look at the house and choose a house. Pay attention to the housing information first, you can look at it online first, and then go to the scene to see the house. If you want to make money, location is the most important. You should choose a prime location, a location with preferential policies, and a location with good environment and traffic. There is a lot of room for appreciation in such lots.
3. Pay the down payment and sign the contract. After paying the down payment, remember to keep the receipt and receipt of the down payment, which will be used for mortgage and invoice exchange in the future. It will be very troublesome to lose it. When signing the contract, you should pay attention to the ID card information and housing information, and whether the final price is correct. Other normative contents are unified throughout the province.
Legal basis:
Interim Measures for Special Additional Deduction of Individual Income Tax
Article 14 If taxpayers or their spouses use individual housing loans from commercial banks or housing accumulation funds alone or jointly to buy houses for themselves or their spouses in China, the interest expenses incurred from the first housing loan shall be deducted according to the standard quota of RMB 1 000 per month in the year when the loan interest actually occurred, and the maximum deduction period shall not exceed 240 months. Taxpayers can only enjoy a first home loan interest deduction.
The term "first home loan" as mentioned in these Measures refers to the housing loan that enjoys the interest rate of the first home loan when buying a house.