Questions about the second suite

I'll just say one thing: if it's in Beijing, it's a second apartment, so please refer to the local regulations.

Your situation should be counted as a first home, you can look at the bank's definition of a second home.

Seven situations in which the bank identifies it as a second home:

1. If the parents have a house in their name, they will buy a house in the name of their minor children.

According to the new policy, family members include the borrower, spouse and minor children, i.e., minor children are also classified as family. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second home policy.

2. If you have a property in your name when you are a minor, you can take out a loan to buy a house when you are an adult.

Details] According to the current bank's "loan and housing", if you do not have the existing property, the refinancing to buy a house belongs to the second suite, and it will be implemented in accordance with the policy of the second suite. According to the past policy, as long as there is no loan for the property when the minor, the application for a mortgage is not considered a second set.

3. If the individual has a house purchased in full under his name, he or she will take out a loan to buy a house.

Detailed explanation] In the past, only "subscribed to the loan", this situation was not counted as a second suite, but now it has been added to "recognize the house", although there is no loan, but as long as the property can be found in the housing property rights trading system, it will also be recognized as a second house without selling and applying for a loan.

Fourth, the individual has a loan to buy a house under his name, and then take out a loan to buy a house after settling it.

Details] At present, the bank recognizes the second house as "recognising the house and recognising the loan", that is to say, although the property purchased with the loan is **, the family no longer has any housing in its name, but because it has a previous loan record, applying for a mortgage will also be counted as a second house.

5. Use a commercial loan for the first house and a provident fund loan for the second house purchase.

As long as the borrower has a mortgage record, regardless of whether the mortgage is paid off or not, whether the property is **, even if the provident fund loan has never been used, the first application for a provident fund loan will be counted as a second house.

6. One party had taken out a loan to buy a house before marriage, and after marriage, he applied for a loan to buy a house in the name of the other party, but the two parties did not have a household registration together.

Detailed explanation] Although the husband and wife did not have a household registration after marriage, they had a marriage registration at the Civil Affairs Bureau. Now, in addition to the borrower's household registration book, the bank will also require the borrower to provide proof of marital status when approving the loan, and married couples cannot provide proof of singleness, so the other party will also be counted as a second home when buying a house.

7. After marriage, both parties jointly take out a loan to buy a house, and after the divorce, one party applies for a loan to buy a house.

As long as the mortgage record can be found in the credit information system of the central bank, even if the property is awarded to one party after divorce, the other party will be recognized as a second house when it takes out a loan to buy a house. This has led to a lot of attempts to circumvent the New Deal for second homes through "fake divorces".

The law stipulates that the purchase of a house by the husband and wife is based on the circumstances of the purchase, although this varies from region to region. In some areas, it depends on whether you have taken out a loan, and it is a second set if you have done it.

Summary. If the two houses you bought are your first home, then when you ** one of them, you should pay business tax, but you do not need to pay personal income tax. It is recommended that you consult with the local tax authorities to pay the business tax according to the most accurate standard and safely avoid the negative impact of fines and lawsuits caused by violations of tax regulations.

Questions about the second suite

Hello I don't know what kind of confusion you have encountered, can you describe it to me in detail and see if I can give you some advice.

I would like to inquire that I bought a full-payment house many years ago before my marriage, and then my wife also bought a mortgage house before marriage, and now we are married. If I plan to sell a house, do I need to pay that tax? Because I don't have to pay tax if it's the first house.

I have found the answer for you: Hello, according to your description, the real estate held by you and your wife was purchased before marriage, and you are ready to ** a set of real estate now, then in accordance with the "Individual Income Tax Law of the People's Republic of China", you must pay the corresponding individual income tax, and the specific proportion can be consulted with the local tax bureau.

If the two houses you bought are your first home, then when you ** one of them, you should pay business tax, but you do not need to pay personal income tax. It is recommended that you consult with the local tax authorities to pay the business tax according to the most accurate standard and safely avoid the negative impact of fines and lawsuits caused by violations of tax regulations.

Can I call the Housing Authority** for consultation? Uh-huh.

Hello, although there is no loan for the house you bought in Yanji, according to the policy, when you buy a house again, it will be calculated as a second house, however, those who own real estate in other places but have no loan record may be lucky to become a "fish that slips through the net". At present, the real estate under the name of the individual recorded in the real estate trading center in various places has not been networked nationwide, and the real estate owned by the individual in different regions cannot be found out.

Therefore, whether you count a second home or not depends entirely on your loan bank, you can ask a few more banks, and personally I think there will definitely be a bank that does according to the first home.

Hello, first of all, you need to understand what a second home loan is.

The national policy stipulates that the second home loan is a housing loan, that is, you already have a house in your name, and then take out a loan to buy a house, and this house is considered a second home loan.

However, the policy is different when it is issued to the bank, the bank is on behalf of the loan, that is, if you buy a house with a loan, then the bank will check your loan situation in the banking system, then you buy another house, if the loan has to increase the down payment. In other words, if you buy it again, it will be considered a second home loan. In other words, if your previous house is not a loan, or the loan has been repaid, and you go to buy a house and ask for a loan, and the bank cannot check your loan record in his banking system, then your second house will be considered the first loan.

So you don't have to sell your friend's house so many times, that will incur a lot of fees. Just transfer it to your name. Your new home is just your first loan.

Maybe you think why the bank doesn't implement the national regulations, it's like this, as long as the real estate department has registered your house, if the bank wants to know whether you still have a house, you have to go to the real estate department to check, think about it, what is the real estate department? If you can let the people in your bank check it if they want to, besides, there are so many people who take out loans now, and he also goes to the real estate department to adjust the file, and the real estate department doesn't owe you, why don't you give him a penny and he will check the file for you. Therefore, the bank only depends on whether you have taken out a loan to buy a house on their system.

If you can't find out, you just say that you are renting a house, how can you find out, don't you just get him a real estate certificate? Stupid! Besides, he doesn't even check if you have a house!! If you don't check it now, it's a world where you don't recognize the mortgage but not the house!!