How to define the calculation method of down payment for Beihai first house
4hw.com.cn: now major cities across the country have their own real estate tax policies. The preferential policies for the first house and the second house are different. How to define if you buy the first house in Beihai? How to calculate the down payment? Let's take a look with Xiaobian.
How to define the first suite in Beihai
1. If you have paid the full amount for a suite and apply for a loan again, it is the first suite in Beihai.
2. Paid the full amount to buy a suite, but later sold it for various reasons. The real estate can not be queried through the housing registration query system. If you buy a house with a loan, it is the first suite in Beihai.
3. I bought a suite with a loan, but the commercial loan under my name has been settled. Those who buy a house with a loan again are the first suite in Beihai.
4. I bought a house with a loan, but later sold it. I can't find the real estate through the house registration query system, but I can query the previous loan records in the bank credit investigation system. Buying a house with a loan again is the first house in Beihai.
5. The commercial loan applied for one suite under the individual's name has been paid off, but the other is that the provident fund loan has been sold, and the proof of housing sale can be provided. In this case, the second loan to buy a house is the first suite in Beihai.
6. There are two suites under the personal name that are commercial loans, and the house loans are fully paid off, and both suites are sold, and the proof of sale of two suites can be provided. The buyer's re loan is the first suite in Beihai.
7. For a couple, if one party has a house before marriage but has no loan record, and the other party has a loan record before marriage but has no real estate under his name, applying for a loan to buy a house after marriage is the first house in Beihai.
How about the down payment for the first suite in Beihai
1. Commercial loan for the first house in Beihai: 70% of the assessed price of the house can be obtained if the house is purchased for the first time (the appraisal price is generally lower than the market price. Note: commercial loans recognize both houses and loans: it depends on whether there is a real estate under the family name and whether there has been a loan record before. Even if the real estate has been sold or the mortgage has been paid off, it is a record.
2. Beihai first house provident fund loan: take the family as the unit. If you buy a house for the first time, you can borrow 80% of the house evaluation price (within 90 square meters, 70% if more than 90 square meters). Note: if there is no rating of provident fund, you can only borrow 800000, but it depends on your provident fund deposit amount and deposit proportion.
3. Calculation method of down payment for Beihai first suite:
Down payment = total house payment - customer loan amount
Loan amount = contract price (market price) & times; 80% (up to 80% of the first loan amount)