What is the new policy for buying a house in 2022

The new policy for buying a house in 2022 is that if a citizen buys a regular house, the property is also the only home for the family. If the house is less than 90 square meters, the deed tax shall be levied at 1%, if the house is between 90 square meters and 144 square meters, the tax rate shall be reduced by half, and if the purchase of a house is more than 144 square meters, the tax rate shall be 4%. If a citizen buys a non-ordinary house, two or more houses, and commercial investment real estate, the tax is levied at a rate of 4%.

Individual Income Tax Law of the People's Republic of China

Article 2 Individual income tax shall be paid on the following personal income:

1) Income from wages and salaries;

2) Income from remuneration for labor services;

3) Income from author's remuneration;

4) Income from royalties;

5) Business income;

6) Income from interest, dividends and bonuses;

7) Income from property lease;

8) Income from the transfer of property;

9) Incidental gains.

Resident individuals who obtain the income from items 1 to 4 of the preceding paragraph (hereinafter referred to as "comprehensive income") shall calculate individual income tax on a consolidated basis according to the tax year; For non-resident individuals who obtain the income in items 1 to 4 of the preceding paragraph, the individual income tax shall be calculated on a monthly or sub-itemized basis. Taxpayers who obtain the income from items 5 to 9 of the preceding paragraph shall calculate individual income tax separately in accordance with the provisions of this Law.

Article 3 The tax rate of individual income tax:

1) For comprehensive income, an excess progressive tax rate of 3% to 45% shall be applied (the tax rate table is attached);

2) For business income, an excess progressive tax rate of 5% to 35% shall be applied (the tax rate table is attached);

3) Income from interest, dividends and bonuses, income from property leases, income from property transfer and incidental income shall be subject to a proportional tax rate of 20%.

In May, the state introduced a number of policies to show obvious care for the real estate industry.

The decline in housing prices has basically bottomed out, and now that you have a loan to buy a house, the mortgage interest rate has also been discounted.

Specific analysis of specific cities, if you want to settle in the third and fourth tier cities, choose a cheap brand developer to develop real estate, whether it is the community environment Property management is much better than the old community, take advantage of the interest rate to buy it, this year or next year I think you can, the house prices in the third and fourth tier cities can not rise, and there is still room for sale, you can pick a set.

1. Provisions on the down payment of loans to buy houses: the down payment ratio of provident fund loans is less than 90 (inclusive) for the first house, and the down payment ratio of housing provident fund loans above 90 shall not be less than 20%, and the down payment ratio of housing provident fund loans above 90 shall not be less than 30%. The down payment ratio of the first home business loan is 30%, and the interest rate of using a business loan to buy a house will rise.

2. Deed tax provisions: If the family buys the first house with an area of 90 square meters or less, the deed tax is 1%; If the area of the purchase date house is more than 90 square meters, the deed tax is. Article 210 of the Civil Code states that the registration of immovable property shall be handled by the registration authority where the immovable property is located.

The state implements a unified system for immovable property. The scope of unified registration, registration bodies, and registration methods shall be prescribed by laws and administrative regulations.

Here are the new real estate policies:

1. Business tax: Individuals who transfer housing for more than two years can be exempted from paying business tax. Individuals who purchase a home for outside sales that are less than two years old will pay full sales tax.

2. Down payment ratio: The down payment ratio of second-hand housing loans is reduced to 40. The Ministry of Urban-Rural Development and the China Banking Regulatory Commission jointly issued a notice to adjust the minimum down payment ratio for individual households purchasing a second home to more than 40.

1. Strict review: In the process of project approval, it is necessary to obey the overall planning and regional planning of the city, fully respect the opinions of the planning department, and strictly review the bids and contracts.

2. Reasonable planning: conscientiously do a good job in the planning of each project, from market research, investment project, land acquisition, demolition, commissioned design, commissioned construction, to the completion and delivery of the whole process should be carefully and carefully planned, so as to strategize and win thousands of miles in accordance with the results of the plan, prepare a quality plan to guide the implementation of project development and construction, and ensure that the quality indicators, construction cycle and cost of project development and construction are reasonable.

Law of the People's Republic of China on the Management of Urban Real Estate

Article 8 The transfer of land use rights refers to the act of the state transferring state-owned land use rights (hereinafter referred to as land use rights) to land users within a certain period of time, and the land users pay the land use right transfer fee to the state.

Article 9 The right to use the land owned by the collectives in the urban planning area can only be transferred with compensation after it has been expropriated and converted into state-owned land according to law.

Article 10 The transfer of land use rights must conform to the overall land use plan, urban planning, and annual construction land plan.

Article 11 Where local people at or above the county level transfer land use rights for real estate development, they must formulate an annual plan for the total area of land use rights transferred according to the control indicators issued by the people at or above the provincial level, and report to the provincial people for approval in accordance with the regulations.

1. On the calculation of the number and area of residential housing units.

The number of housing units for resident families refers to all the houses (including those with signed purchase contracts) owned by resident families (including husband and wife and their minor children, the same below) within the city.

Where two or more households jointly own or purchase a dwelling, the number of housing units of each household shall be included in the number of housing units, and the area of the family's housing shall be calculated separately according to the share of the housing owned by each household.

2. On the issue of the city's residents' families.

Resident households in the city refer to resident households with permanent residence in the city.

3. On the verification of tax calculation**.

At the initial stage of the pilot, the basis for calculating the tax on taxable housing is the market transaction of taxable housing**.

In accordance with the relevant provisions of the state, if the taxable housing transaction declared by the taxpayer is obviously low and there is no justifiable reason, the tax authority shall verify the tax calculation **, and the real estate tax shall be calculated and paid at 70% of the taxable housing tax **.

"Housing is not speculation" is the main tone

Housing is still the main tone, and speculating tenants can basically "die". Measures such as increasing land** to increase affordable housing and co-ownership housing, planning and developing the long-term rental housing market, and reducing rental taxes and fees are taken to help new citizens and young people solve their housing problems. Note that the new citizens here refer to young people who have settled in the city.

Nowadays, high housing prices have caused a series of problems, such as low fertility rates, declining marriage rates, and other prominent problems. The aging population continues to increase, and it is not that young people really do not want to buy a house, but that real estate is becoming more and more expensive after more than 20 years of development.

Many people are saving for a down payment every year, and they can't afford to buy a house every year, and the speed of saving money can't keep up with the speed of housing prices, and finally they can only give up buying a house directly. There are even people who sell the houses they first bought in the city and build their own houses on rural homesteads.

Introduce a variety of housing forms to divert the market

In fact, several points mentioned in the policy are aimed at different groups of people, such as affordable rental housing for low- and middle-income families, through the channel of renting, to ease the pressure of people to buy a house, affordable housing, policy rental housing and targeted resettlement housing.

In addition, it is launchedCondominium housing。In real life, ** sells land to developers, and developers build houses and sell them to make money, these are the commercial houses we see on the market. The co-ownership house is the transfer of a part of the land to eligible families, and the property rights of the house do not belong to the individual, but according to the economic conditions of the family, according to the ** and the individual according to the proportion of capital contribution.

Of course, the profit of house price ** and the risk of depreciation of house price ** are also borne by both parties. In addition, the co-ownership house has established an exit mechanism, if the individual withdraws, then the house will be ****, the repurchase process and ** adopt an open and transparent way to avoid someone seeking personal gain.

In fact, the current policy is nothing more than the diversion of the commercial housing market. In the future, housing prices will be in a state of polarization: the population loss in third- and fourth-tier cities is becoming more and more serious, and the population flows to first- and second-tier cities with better development, in order to compete for urban resources such as housing, education, and medical care.

The 2022 national housing purchase policy, including:

1. After the formal implementation of the Residency Law, one residential property will have two house capitals;

2. One is the ownership of the house, the other is the right of residence, and at the same time in the real estate registration center for the record;

3. Residential real estate land can be automatically renewed when it expires, but it needs to be based onLaws and RegulationsPay the renewal fee.

Buying a house refers to the purchase of commercial housing from real estate developers or other development units, or the purchase of second-hand housing from other property owners, obtaining detailed information about the house through advertising, and then deciding to buy it after comparison.

Land Management Law of the People's Republic of China

Article 39.

The State encourages units and individuals to develop unused land in accordance with the overall land use plan and on the premise of protecting and improving the ecological environment and preventing soil erosion and land desertification; Where it is suitable for development as agricultural land, priority shall be given to the development of agricultural land.

The State protects the lawful rights and interests of developers in accordance with law. Article 44.

If the construction occupies land and involves the conversion of agricultural land into construction land, the approval procedures for the conversion of agricultural land shall be handled.

If the permanent basic farmland is converted into construction land, it shall be approved by ***.

Within the scope of the construction land of cities, villages and market towns determined in the overall land use plan, if the agricultural land other than the permanent basic farmland is converted into construction land for the purpose of implementing the plan, it shall be approved by the organ that originally approved the overall land use plan or its authorized authority in batches according to the annual land use plan in accordance with the provisions of the first department. Within the scope of the approved conversion of agricultural land, the land for specific construction projects can be approved by the people of the city and county.

Outside the scope of the construction land of cities, villages and market towns determined in the overall land use plan, the agricultural land other than the permanent basic farmland shall be converted into construction land, which shall be approved by the people of the province, autonomous region and municipality directly under the Central Government.

Legal analysis: 1. Special deduction of Li Jing's mortgage interest. Buyers who purchase their first house can enjoy a special additional deduction for housing loan interest, which is deducted according to the standard fixed amount of 1,000 yuan per month, and the deduction period is not more than 240 months.

2. Mortgage interest rates have been lowered. If the buyer does not own a home in his or her name, the interest rate can be lowered.

3. High subsidies for talents to buy houses. Most cities are striving for talents, there are some subsidy policies for talents to buy houses, but some cities have a maximum subsidy of 5 million for high-end talents, you can check the local policy before buying a house, and the actual regulations of the city shall prevail.

4. Large-scale entry into the market of co-ownership housing and various types of affordable housing. Individuals and the state each account for 50% of the property rights of co-ownership housing, and individuals only need to pay half of the ** of commercial housing, which is equivalent to reducing the cost of buying a house by half.

Legal basis: "Measures for the Administration of Pre-sale of Urban Commercial Housing" Article 5 The pre-sale of commercial housing shall meet the following conditions:

1) All land use right transfer fees have been paid and land use right certificates have been obtained;

2) Holding construction project planning permits and construction permits;

3) According to the calculation of the pre-sold commercial housing, the funds invested in the construction of the mold and destruction have reached more than 25 of the total investment in the construction of the project, and the construction progress and completion delivery date have been determined.

Article 6 The pre-sale of commercial housing shall be subject to a licensing system. For the pre-sale of commercial housing, the developer shall apply for a pre-sale license from the real estate management department and obtain the "Commercial Housing Pre-sale License".

If the "Commercial Housing Pre-sale License" has not been obtained, the commercial housing pre-sale shall not be carried out.