Tianjin second-hand housing price?

Buying a second-hand house is economical.

Let me show you the tax.

1. Cost of purchasing a new house: house price+storage room price+deed tax [house price × 1.5%+ storage room ×3%]+ maintenance fund [(house price+storage room) × 1%].

Second, the new house mortgage loan:

(1). The longest loan term is 30 years. : (age+loan years) Male: no more than 65 years old, female: no more than 60 years old.

(2) Down payment of mortgage loan: 30% of house payment+storage room payment+deed tax+maintenance fund.

(3) Loan amount: (70% of the house price) and the maximum loan amount is thousands.

(4) Monthly repayment amount: loan amount × loan coefficient.

(5) Required documents: ID cards of both husband and wife? Household registration book? Marriage certificate? Proof of income?

Official seal of the main lender.

(6)、

80 yuan mortgage registration fee

Three. Calculation of the maximum loan amount:

1, maximum amount of provident fund loan:

( 1)

The maximum amount of provident fund loans is 400,000 yuan.

(2)

The maximum loan amount is 80% of the purchase price.

(3)

Maximum loan amount = monthly deposit amount of provident fund.

÷

[Personal deposit interest rate (generally 10%)+

Unit deposit interest rate (generally 10%)]×[ repayment ability coefficient (generally 0.4)+ unit deposit interest rate (generally 10%) ]× 12× loan life.

2. The maximum loan period is 30 years, (age+loan period) Male: no more than 65 years old; Female: No more than 60 years old.

3. The loan fee also includes the guarantee fee: loan amount × fixed coefficient.

4. Down payment of provident fund loan: 20% of house price+savings+deed tax+maintenance fund.

5. Required documents: ID card, household registration book, marriage certificate, provident fund card and official seals of both husband and wife.

Sixth, the sale of second-hand houses

1, cost:

(1) Agency fee: transaction price × 1%

(2) Deed tax: x1.5% of the appraised price.

(3) Transaction cost: 6 yuan × (building area+storage room area) per square meter.

(4) Business tax (when the house ownership certificate or deed tax ticket is less than 5 years): the appraisal price × 5.55%.

(5) Personal income tax (when the house ownership certificate or deed tax ticket is less than 5 years): the appraisal price × 1%.

(6) Difference business tax (when the real estate area exceeds 144 square meters): (appraisal price-final transaction price) × 5.55%.

(7) Fees: 80 yuan, and mortgage registration fee 80 yuan.

(8) Land transfer fee: the appraised price is × 1% (buildings involved in the transfer of bungalow land certificate and land originally acquired through allocation will be involved, such as Rudong District, West District, Yuan Yue Community, Bao Zhong, Jianshe Building, etc.).

2. Second-hand housing mortgage loan:

( 1)

Limitation: Buildings with a house price of more than 6,543.8+0.5 million yuan and a house age of less than 654.38+00 years.

(2)

Loan term: the longest is 20 years, and (age+loan term) men are not over 60 years old and women are not over 55 years old.

(3)

30% of the minimum down payment evaluation price

(4) Loan expenses: In addition to the above expenses, expenses should also be paid.

answer

Appraisal fee: Appraisal price ×2‰

b)

Insurance premium: loan amount × coefficient

c)

Agency loan fee: loan amount × 1% (receipt)

(5) Information required for the loan: the same as that required for the new house.

3. Second-hand housing provident fund loans:

( 1)

The minimum down payment is 30%, and the final loan amount is the same as the new house provident fund loan.

(2)

The longest loan period is 20 years.

(3)

In addition to the above fees, the loan fee also needs:

Appraisal fee: Appraisal price ×2‰

Guarantee fee: coefficient × loan amount

Agency loan fee: each item in 500 yuan (you can handle it yourself without paying).

4. Buying and selling second-hand bungalows: bungalows cannot be mortgaged. See "Fees" for the fees involved.

(1) Agency fee: transaction price × 1%

(2) Deed tax: x1.5% of the appraised price.

(3) Transaction cost: 6 yuan × (building area+storage room area) per square meter.

(4) Business tax (when the house ownership certificate or deed tax ticket is less than 5 years): the appraisal price × 5.55%.

(5) Personal income tax (when the house ownership certificate or deed tax ticket is less than 5 years): the appraisal price × 1%.

(7) Fees: 80 yuan, and mortgage registration fee 80 yuan.

(8) Land transfer fee: appraised price.

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