22 Chengdu second-hand housing down payment ratio Chengdu second-hand housing down payment several percent Chengdu second-hand housing transaction tax and fee new policy.

When it comes to Chengdu, many people are familiar with it. In recent years, Chengdu has developed better and better. It can be said that it is a city of online celebrity, and the housing price is naturally very high. Next, I will introduce the housing loan policy in Chengdu. Let's introduce the down payment ratio of second-hand houses in Chengdu in 22, the down payment ratio of second-hand houses in Chengdu, and the new tax policy for second-hand houses in Chengdu. Let's take a look.

First, the down payment ratio of second-hand houses in Chengdu in 22

Chengdu is a very livable city. After working in Chengdu, some foreigners have become reluctant to leave here and plan to buy a house and settle down here. Once we buy a house, we need to know the down payment of the house. Let's take a look at the down payment ratio of second-hand houses in Chengdu in 22.

1. There is no loan for the second-hand house in Chengdu, or the seller has completed the related mortgage repayment. If the buyer is buying a house for the first time, then in the case of good credit qualification, most of them can borrow 7% of the house valuation.

2. If the seller has not paid off the relevant repayment, then the buyer can be required to cooperate with the loan repayment. Generally, it is recommended that the buyer go through the supervision procedure and then make a down payment of 3% of the second-hand housing loan.

3. If it is a commercial house, generally only 2% down payment is required. If it is a second-hand house, the lower amount is 3%. It is not a problem to borrow 2, goods or 3, goods, which is also related to the loan period.

second, what is the down payment for second-hand houses in Chengdu?

what is the down payment for second-hand houses in Chengdu? First of all, we must know whether the buyers have real estate, one set or two sets.

1. If the buyer has no real estate, it is the first second-hand house, then the down payment of the second-hand mortgage is not less than 3%. The 3% mentioned here is not the transaction price but the evaluation price. The second-hand housing loan is based on the second-hand housing evaluation, and the general evaluation price is lower than the market price.

2. If a property buyer owns a house, he should know that the down payment for a second-hand house is about 7%, and the benchmark interest rate is currently 6.55%. Some banks can get a 15% discount for the first set.

3. In the case of three houses, if it is necessary to borrow money from the bank to buy a second-hand house, then the loan is not allowed according to the regulations.

the down payment ratio of the second-hand mortgage fund can be divided into the following three situations.

1. If the last family has paid off the mortgage and the buyers are well qualified, they can get a down payment of only 2% of the second-hand housing loan.

2. If the last family has not repaid the loan clearly, and the buyers are required to cooperate with the loan repayment, the safe way is to go through the supervision procedure, so that 3% of the second-hand mortgage can be paid down.

3. If there are enough buyers, it can be a one-time payment, so there will be no down payment and mortgage.

Third, the new tax policy for second-hand housing transactions in Chengdu

1. Deed tax (paid by the buyer)

(1) The transaction price of the first suite with an area of less than 9 square meters is 1%.

(2) The area of the first suite is between 9 and 144 square meters, and the transaction price is 1.5%.

(3) for other parts, the transaction price is 3%.

2. Business tax (paid by the buyer)

(1) If the real estate license is less than 2 years old and the area is over 14_, 5.6% of the total house price shall be paid.

(2) 5.6% of the difference is required if the real estate license is less than 2 years and the area is less than 14.

(3) 5.6% of the profits from real estate transactions shall be paid if the real estate license is over 2 years and the area is over 14_.

(4) Property ownership certificates with a maturity of 2 years and an area of less than 14_ are exempt.

3. Individual tax (paid by the buyer)

Individual income tax payable = 1% (or 1.5%, 3%) in taxable value

The approved collection rate standard of individual income tax for individual housing transfer is: 1% for ordinary housing, 1.5% for non-ordinary housing or non-residential real estate and 3% for auction real estate. Personal income tax shall be exempted for individuals who have been transferred for their own use for more than 2 years and are family houses.

4. Stamp duty (.5% for the buyer and .5% for the seller)

Stamp duty shall be levied on the sales contract of commercial housing uniformly according to the document of property right transfer. For property buyers, the stamp duty is .5%, that is, the taxable amount of property buyers is .5% in taxable value, and the stamp duty is paid by taxpayers themselves. Personal sales or purchase of housing are temporarily exempt from stamp duty. Only .5% stamp duty of the buyer is charged for secondary transfer registration.

5. Land tax

Individual housing sales are temporarily exempted from land tax. Approved collection of land tax: payable land tax = approved collection rate of taxable value. General urban land tax collection standards: 1% for shops, offices and hotels, and 5% for other non-residential properties.

6. Real estate registration fee

The charging standard is divided into housing and non-housing. Individual housing registration fees for each 8 yuan; Non-housing housing registration fees for each 55 yuan. The housing registration fee standard includes the fee for the House Ownership Certificate and the fee for the Land Use Right Certificate.

7. Real estate transaction fee

The real estate transaction fee for the newly-built commercial house is charged according to 3 yuan/m2 and shall be borne by the transferor. The real estate transaction fee for affordable housing will be halved and borne by the buyer. In other cases, the real estate transaction fee is charged according to 6 yuan/m2, and each party shall bear 5%.

The above is about the down payment ratio of second-hand houses in Chengdu in 22, what percentage of the down payment of second-hand houses in Chengdu, and the new tax policy of second-hand houses in Chengdu. I hope it can help everyone!