What are the conditions for Shenzhen provident fund loan to buy Shuixie Huadu Phase I housing, and how to calculate taxes and fees for new house transactions?

Hello, I am glad to answer your question about the first phase of Shuixie Huadu Community.

The conditions for purchasing Shuixie Huadu Phase I house with provident fund loan include: 1. The borrower must have an account in the city where Shuixie Huadu Phase I is located; 2, usually income should be stable, good credit, have the ability to repay the loan; 3. There is a legal contract or agreement for the purchase of owner-occupied housing in the first phase of Shuixie Huadu, and there is a prescribed proportion of self-raised funds; 4. The assets specified in the Guarantee Law are used for mortgage or pledge of the first-phase loan of Shuixie Huadu; 5. Agree to handle the purchase guarantee or mortgage property insurance; 6. Agree to other conditions stipulated in the housing provident fund management.

Taxes and fees for new house transactions in Shuixie Huadu Phase I include deed tax, maintenance fund and property management fee. Deed tax for the first phase of Shuixie Huadu: the deed tax to be paid for the purchase of new houses is 3-5% of the total purchase price (the tax rates of different provinces, municipalities and autonomous regions are different), and ordinary commercial houses are halved, that is, 1.5-2.5%. Shuixie Huadu Phase I Maintenance Fund: it is charged by multiplying the construction area by a certain amount. Property management fee of Shuixie Huadu Phase I: paid after delivery, and the specific rate shall be implemented according to the regulations of the local price department.

The above information is for reference only. I hope I can help you!