Linhai city issued a major new house purchase policy. Is there any financial subsidy?

If an individual sells a house that has been purchased for less than 2 years, the business tax will be levied in full; If an individual sells a non-ordinary house that has been purchased for more than 2 years (including 2 years), business tax shall be levied according to the difference between the sales income and the purchase price of the house; Individuals who purchase ordinary houses for more than 2 years (including 2 years) for external sales shall be exempted from business tax. If an individual purchases an ordinary house, and the house belongs to the only house of the family (including the purchaser, spouse and minor children, the same below), the deed tax shall be levied by half. If an individual purchases an ordinary house of 90 square meters or less, and the house belongs to the only family house, the deed tax shall be levied at the reduced rate of 1%. Stamp duty is temporarily exempted for individuals to sell or buy houses. Personal housing sales are temporarily exempted from land value-added tax. Income obtained by individuals from transferring their own houses that have been used for more than 5 years and are the only living rooms for families shall be exempted from personal income tax.

02 financial subsidies

From the date of publication to February 365438+2065438+20 1 day, individuals (families) buying commercial housing and second-hand housing below 144 square meters (including 144 square meters) will be fully subsidized by the finance. (For commercial housing, the date when the commercial housing sales contract is filed in the housing registration agency shall prevail, and for second-hand housing, the date when the tax authorities accept the declaration shall prevail. The subsidized housing type is residential housing, excluding commercial and residential, commercial and other non-residential housing.

03 developer income tax

For the pre-sale income before the completion of the project, the pre-sale income shall be levied according to the standards stipulated by the national tax policy, and the quarterly prepayment and annual liquidation methods shall be implemented. Real estate development enterprises that have real difficulties in paying taxes on time may apply to the tax authorities for deferred payment according to relevant regulations. According to the changes in the real estate market, timely adjust the land value-added tax withholding rate of real estate enterprises, and steadily carry out land value-added tax liquidation.

04 financial institution support

For families who purchase the first set of ordinary self-occupied houses with loans, the minimum down payment ratio of provident fund loans is 20%; For families who have settled a set of housing loans, apply for housing provident fund again, and the minimum down payment ratio is 30%. For families who purchase the first set of ordinary self-occupied houses with loans, the minimum down payment ratio of commercial loans is 30%, and the lower limit of loan interest rate is 0.7 times of the benchmark loan interest rate; For 1 housing families who have settled the corresponding housing loans, if they apply for loans to buy ordinary commercial housing again to improve their living conditions, banking financial institutions will implement the first home loan policy; For households that own 1 apartment and the corresponding housing loans are not settled, if they apply for commercial personal housing loans to buy ordinary self-occupied housing again to improve their living conditions, the minimum down payment ratio shall not be less than 40%.

05 Deferred payment of related expenses

In order to effectively reduce the development cost, the property maintenance fund, civil air defense construction fees and other related expenses shall be paid before the initial registration of the house, and the registration unit shall register the ownership of the house with the payment vouchers of the above-mentioned relevant units.

06 relax the pre-sale conditions

For projects applying for pre-sale permit of commercial housing, the construction scale shall be subject to the construction scale approved by the construction project planning permit in principle; For projects that really need to be pre-sold by stages, real estate development enterprises are allowed to apply for pre-sale permits in different buildings after providing specific plans for opening, pricing and delivery at various stages. For real estate projects under construction, real estate development enterprises are allowed to appropriately adjust the structure of Xing Tao and split (layered) sales to meet market demand without changing the necessary planning conditions and various technical and economic indicators such as land use nature and plot ratio.

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