What are the conditions for Shenzhen Provident Fund loan to purchase the second phase shops and houses in Vanke City, and how to calculate the transaction tax of new houses?

Hello, I'm glad to answer your question about Vanke City Phase II.

The conditions for purchasing Vanke City Phase II shops with provident fund loans include: 1. The borrower must have an account in the city where Vanke City Phase II Store 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 self-occupied housing in Vanke City Phase II, and there is a prescribed proportion of self-raised funds; 4. The mortgage or pledge of assets stipulated in the Guarantee Law is used to purchase the second-phase shops in Vanke City; 5. Agree to handle the purchase guarantee or mortgage property insurance; 6. Agree to other conditions stipulated in the housing provident fund management.

The transaction tax of new houses in Vanke City Phase II shops includes deed tax, maintenance fund and property management fee. Deed tax of Vanke City Phase II: 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 the ordinary commercial houses are halved, that is, 1.5-2.5%. Vanke City Phase II Store Maintenance Fund: charged by multiplying the construction area by a certain amount. Vanke City Phase II property management fee: paid after delivery, and the specific grade rate shall be implemented according to the regulations of local price departments.

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