The continuous development of real estate policy is inseparable from the stability of house purchase policy. For many house buyers, the first thing to understand before buying a house is the house purchase policy. No matter which city, the house purchase policy will affect everyone's house purchase funds and even whether they can buy a house. So, what are the latest house purchase policies? What is the latest news of property tax 2018? Take a look at the introduction of the article.
What are the latest house purchase policies?
1. The proportion of down payment was reduced. The adjustment of the down payment proportion is reflected in many aspects. The down payment proportion of the first house and the down payment proportion of the second house have decreased.
(1) The down payment for housing purchase with provident fund loans decreased. Compared with commercial loans, housing provident fund loans have lower interest and lower proportion of down payment.
(2) The down payment proportion of commercial loans decreased. The low down payment proportion of buying the first house through commercial loans decreased to 25% (cities). The notice posted on the central bank's website said that in cities, if residents use commercial personal loans and buy ordinary houses for the first time, the low down payment ratio is 25%.
2. Loan interest rates have been lowered. In 2015, the central bank adjusted the loan interest six times, which can be described as a big deal. In any case, these policies are beneficial to the people.
3. The loan policy was relaxed. The loan policy of state managed provident fund has been relaxed. When calculating the application amount, if the account amount is less than 70000 yuan, it shall be calculated as 70000 yuan, and the low amount has increased by 200000 yuan. In addition, the loan repayment period can be extended to 5 years after the borrower's legal retirement age, and the long loan period is 30 years.
4. Promote the purchase of houses in other places. Further liberalize and promote the loan business in other places. If the deposit paying employees buy houses outside the place of deposit, they can apply for personal housing loans from the housing provident fund management of the place of purchase according to the housing provident fund personal housing loan policy of the place of purchase.
What is the latest news of property tax 2018?
1. Recently, the real estate tax reform plan has gradually become clear. With regard to the tax rate standard and the scope of reduction and exemption, it is expected to authorize local governments to formulate according to their actual situation in accordance with the principle of "full authorization and step-by-step promotion". In other words, China's real estate tax will not adopt the "one size fits all" model. Many experts and insiders also believe that it is more reasonable to carry out real estate tax reform according to local conditions.
2. The official landing of the real estate tax is actually good news for those who just need it. The introduction of real estate tax can effectively curb the phenomenon of real estate speculation. At present, many real estate speculators have a lot of idle houses. After the official landing of real estate tax, these idle houses will become the object of tax collection. Experts expect that many real estate speculators will sell some idle houses after the implementation of the real estate tax policy to reduce the real estate tax they need to pay.
3. In this way, the supply side of the real estate market will become more abundant, so the new needs will have more choices. At the same time, according to the principles of economics, when there is no significant change on the demand side, the increase on the supply side will promote the decline of house prices. In this way, the pressure of just in need to buy a house will also be reduced.