What are the conditions for Shenzhen provident fund loan to buy Baofeng Building, and how to calculate taxes and fees for new house transactions?

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

The conditions for purchasing a house in Baofeng Building with a provident fund loan include: 1. The borrower must have an account in the city where Baofeng Building 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 to purchase the self-occupied house of Baofeng Building, and there is a prescribed self-financing ratio; 4. The mortgage or pledge of assets stipulated in the Guarantee Law is used to purchase Baofenglou loan; 5. Agree to handle the purchase guarantee or mortgage property insurance; 6. Agree to other conditions stipulated in the housing provident fund management.

The new house transaction tax of Baofeng Building includes deed tax, maintenance fund and property management fee. Deed tax of Baofeng Building: 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%. Baofeng Building Maintenance Fund: charged by multiplying the construction area by a certain amount. Property management fee of Baofeng Building: paid after delivery, and the specific grade 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!