What conditions do you need to buy Renyuan house with provident fund loans, and how to calculate the tax on new house transactions?

Hello, I'm glad to answer your question about Renyuan Community.

The conditions for purchasing houses in Ren Yuan with provident fund loans include: 1. The borrower must have an account in the city where Renyuan 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 Renzi-originated housing, and there is a prescribed proportion of self-raised funds; 4. The assets specified in the Guarantee Law are mortgaged or pledged for the purchase of personal loans; 5. Agree to handle the purchase guarantee or mortgage property insurance; 6. Agree to other conditions stipulated in the housing provident fund management.

Renyuan new house transaction tax includes deed tax, maintenance fund and property management fee. Ren Yuan deed tax: the deed tax to be paid for buying a new house is 3-5% of the total purchase price (the tax rates of different provinces, municipalities and autonomous regions are different), and the average commercial house is halved, that is, 1.5-2.5%. Ren Yuan Maintenance Fund: charged by multiplying the construction area by a certain amount. Renyuan property management fee: paid after the house is delivered, and the specific grade rate is implemented according to the regulations of the local price department.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!