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Loan to buy a house, business loan.
It has been settled, and the refinancing to buy a house - counts as the first set. If the loan is not settled, it will be counted as two sets. If the individual has a commercial loan record of two suites under his name, one has been paid off and the other has not been paid off, and the refinancing is recognized as more than two suites.
Requirements: First, the number of mortgages is determined by the borrower's family (including the borrower, spouse and minor children);
Second, the total area of family housing issued by the local real estate management department according to the housing registration information system shall prevail, and the per capita housing area of the borrower's family has been higher than the local average housing level;
The third is the loan that has been used (including provident fund loans.
Families who buy a house then apply for a housing loan from a commercial bank.
Beijing Policy:
On March 17, 2017, the Beijing Municipal Commission of Housing and Urban-Rural Development, the Beijing Municipal Planning and Land Commission, the Beijing Municipal Housing Provident Fund Center, the Beijing Municipal Banking Regulatory Bureau, and the Business Management Department of the People's Bank of China jointly held a press conference.
Beijing's property market regulation has been further upgraded. The resident family already owns 1 house in the city, and has no house in the city but has a commercial housing loan record or provident fund housing loan.
Recorded. The down payment ratio for the purchase of ordinary owner-occupied housing shall not be less than 60%, and the down payment ratio for the purchase of non-ordinary owner-occupied housing shall not be less than 80%. Suspend the issuance of personal housing loans with a loan term of more than 25 years (excluding 25 years).
including provident fund loans). In addition, the commercial housing purchased by the enterprise shall be listed and traded again for 3 years or more, and if the transaction object is an individual, it shall be implemented in accordance with the city's purchase restriction policy.
The above content reference: Encyclopedia - two suites.
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Identification method: 1. If you have taken out a loan to buy a house, the commercial loan has been settled, and then you have a loan to buy a house - the first set is counted. If the loan has not been paid off - two sets Second, there are two commercial loan records under the individual's name, one has been paid off and the other has not been paid off, and the re-loan is recognized as more than two houses.
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The understanding is not the same in execution.
Strictly speaking, the occurrence time of the deed tax payment obligation is subject to the online signature, but it is not excluded that the local taxation department has a relaxed understanding that the time of deed tax payment shall prevail when it is implemented.
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Summary. The time of the online signing.
The first and second homes are not determined by the time of the purchase contract. The decision on whether the first house or the second house is based on the time of filing with the real estate bureau, that is, the time of online signing. Which one is registered first is the first house, and the other is the second house.
To determine whether the first house or the second house is based on the time of online signing or the time of paying the deed tax?
The time of online signing for the first house and the second house is not determined by the time of the purchase contract. The decision on whether the first house or the second house is based on the time of filing with the real estate bureau, that is, the time of online signing. Which set is registered first to guess the promotion is the first suite to leak, and the other is the second suite.
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To determine whether the first house or the second house is based on the time of online signing or the time of paying the deed tax
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The understanding is not the same in execution. Strictly speaking, the time of issuance of the deed tax payment obligation is subject to the online signature, but it is not excluded that the local taxation department has a relaxed understanding that the time of deed tax payment is based on the cavity lead standard.
The determination of the first house or the second house is based on the time of the real estate bureau's filing, that is, the time of online signing. Which set is registered first is the first set of congratulatory houses, and the other set is the second suite.
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Summary. If you only recognize the house and do not recognize the loan, the time on the real estate certificate shall prevail. The time to pay the deed tax is generally not the time on the title deed.
Hello, if the local loan policy recognizes the house and the loan, then the time of online signing and the time of getting the real estate certificate shall prevail.
Haven't gotten the title deed yet?
If you only recognize the house and do not recognize the loan, the time on the real estate certificate shall prevail. The time to pay the deed tax is generally not the time on the title deed.
If you don't get the real estate certificate, there should be no real estate registration in your name now.
You won't have to pay the deed tax to settle for the first house early!
Generally, it is based on the time on the real estate certificate, you can consult the local housing authority, or the reply of the local housing authority shall prevail.
It is not determined by the time of the online signing.
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Summary. Dear, I'm honored to have your question The information that the teacher found for you here is: how much is the deed tax for the first house sold after the second suite is signed online, and the deed tax is for the first house sold after the second suite is signed online
It is stipulated that the deed tax of the first house is 1% below 90 square meters, the deed tax is above 90 square meters, and the deed tax of the second set is less than 90 square meters, and the deed tax is more than 90 square meters and 2% is more than 90 square meters. The seller of two houses needs to pay taxes: VAT and surcharge, individual income tax; Deed Tax:
For the first suite, less than 90 square meters shall be paid at 1%; Second suite: 3%; Area: more than 90 square meters in accordance with the tax payment standard:
The first set of 90 square meters and below, the online signing price is 1%, the first set of 90 square meters or more, the online signing price, and the second suite online signing price 3%. The deed tax is borne by the buyer.
After the second house is signed online, how much is the deed tax when the first house is sold?
Dear, I'm honored to have your question The information that the teacher found for you here is: how much is the deed tax for the first house being sold after the second suite is signed online, and the deed tax is for the first house being sold after the second suite is signed online, and the deed tax is: 1% of the deed tax for the first house below 90 square meters, and the deed tax for the second set of deed tax is below 90 square meters, and 2% for the second set of deed tax is above 90 square meters.
The seller of the two houses needs to pay taxes including ruined relatives: value-added tax and surcharge, individual income tax; Deed tax: 1% for the first house, below 90 square meters; Second Suite:
Pay at 3%; Area: more than 90 square meters in accordance with the standard of paying taxes: the first set of 90 square meters and below, the online signing price is 1%, the first set of more than 90 square meters, the online signing price, the second suite online signing price 3%.
The deed tax is borne by the buyer.
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Legal analysis: The time when the tax liability of real estate deed tax occurs shall be calculated from the day when the taxpayer signs the land and house ownership transfer contract, or the day when the taxpayer obtains other certificates with the nature of land and house ownership transfer contract. In other words, it should be based on the time of signing.
According to the relevant laws and regulations, the tax liability of deed tax shall be the day on which the taxpayer signs the land or house ownership transfer contract, or the day when the taxpayer obtains other certificates with the nature of the land or house ownership transfer contract. Taxpayers shall, within 10 days from the date of occurrence of tax liability, file tax returns with the deed tax collection authority where the land or house is located, and pay the tax within the time limit approved by the deed tax collection authority.
Legal basis: Law of the People's Republic of China on the Administration of Tax Collection
Article 1 This Law is enacted for the purpose of strengthening the administration of tax collection, standardizing the collection and payment of taxes, safeguarding state tax revenues, protecting the legitimate rights and interests of taxpayers, and promoting economic and social development.
Article 2 This Law shall apply to the collection and administration of all kinds of taxes levied by the taxation authorities in accordance with the law.
Article 3 The levy and suspension of taxation, as well as tax reduction, exemption, tax refund and tax compensation, shall be carried out in accordance with the provisions of the law; Where the law authorizes ***, it shall be implemented in accordance with the provisions of the administrative regulations formulated by ***.
No organ, unit, or individual may violate the provisions of laws and administrative regulations by making decisions on tax collection, suspending, tax reduction, tax exemption, tax refund, tax compensation, or other decisions that contradict tax laws and administrative regulations.
Article 4 Units and individuals that are liable to pay taxes as stipulated by laws and administrative regulations are taxpayers.
Units and individuals that are required by laws and administrative regulations to withhold and remit, collect and remit taxes are withholding agents. Taxpayers and withholding agents must pay, withhold, collect and remit taxes in accordance with the provisions of laws and administrative regulations.
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First, the front. The deed tax is generally paid within 90 days after the new house is signed online, and if the loan is overdue, if the deed tax is paid, it is necessary to calculate the tax late fee, and it will also jeopardize the real estate certificate. In addition to the nature and function of general taxation, deed tax also has the role of proving the legitimacy of the transfer of real estate property rights.
Paying deed tax is also one of the obligations of home buyers.
2. Analysis. Deed tax refers to a one-time tax levied on the property assignee on the contract entered into by the parties at a certain proportion of the real estate transaction** when the ownership of real estate is transferred. All transfer of state-owned land use rights; The transfer of land use rights includes **, gift, and exchange; the sale and purchase of houses; the gift of a house; The exchange of houses is subject to deed tax.
For individuals who purchase the only family house with an area of 90 square meters or less, the deed tax will be levied at a reduced rate of 1%; If the area is more than 90 square meters, the deed tax shall be levied at a reduced rate. For individuals who purchase a second set of improved housing for a family with an area of 90 square meters or less, the deed tax will be levied at a reduced rate of 1%; If the area is more than 90 square meters, the deed tax shall be levied at a reduced rate of 2%.
3. What is the basis for calculating deed tax?
1. The transfer of land use rights, the sale and purchase of houses, and the transaction determined by the contract for the transfer of land and housing ownership, including the currency to be delivered and the price corresponding to the physical and other economic benefits;
2. The exchange of land use rights and houses is the difference between the land use rights and houses exchanged;
3. The donation of land use rights, housing gifts and other acts of transferring land and housing ownership without ** shall be approved by the tax authorities in accordance with the law with reference to the land use right and the market for housing sales.
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If the buyer has taken out a loan to buy a house, and can query the property through the housing registration system, and then take out a loan to buy a house, even if he has bought a second suite, he has purchased a house with a loan, but then he has sold it, and he can't find the property through the housing registration system, but he can find the loan record in the bank credit system, and then he has taken out a loan to buy a house, and he has purchased a house in full, and he can also query the property through the housing registration system, then he can take out a loan to buy a house is also considered a second suite. Although the local housing registration system does not have the conditions for querying, if the bank conducts due diligence to verify that the buyer already has a house, then the purchase of another house is considered a second house.
If you currently have real estate in Beijing and have no loan record, you can calculate according to the second set of provident fund loans, with a maximum loan of 800,000 yuan and an interest rate increase of 10%, I hope it can help you.
The down payment of the second home loan is the abbreviation of the first installment of the mortgage loan for the second ordinary self-owned house, which refers to the first installment of the housing loan applied to the commercial bank again if the borrower's family is identified as a unit and the per capita housing area of the borrower's family is higher than the local average. In addition, if you buy a house in the following four situations, you will also be loaned according to the second house: 1. If you have a house in your parents' name and buy a house in the name of your minor children; 2. If you have a house purchased in full under your name, you can buy a house with a loan; 3. Use a commercial loan for the first time to buy a house, and use a provident fund loan for a second house; 4. One party took 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. >>>More
I'll just say one thing: if it's in Beijing, it's a second apartment, so please refer to the local regulations.
Information to be submitted for online signing of second-hand housing: >>>More
The tax on buying a second home is the same as for the first home, except that the deed tax is levied at 3% as follows: >>>More