Changzhou Second Suite Down Payment New Deal 2023

In 2023, the new down payment policy for the second home in Changzhou includes loan policy, sales restriction policy, tax policy, talent purchase policy and purchase subsidy policy.

1, loan policy

At present, the general policy of housing commercial loans in Changzhou is to recognize loans but not houses. Judging from the specific housing loan conditions, Changzhou is also relatively loose. As long as the income is stable, there is no bad credit record and other loan conditions are met.

2. Sales restriction policy

At present, the sales restriction period of new commercial housing in Changzhou is 2 years. Restricted object: new commercial housing (second-hand housing is not limited for sale). Within the scope of the cities and districts under the jurisdiction of Changzhou, newly-built commercial housing can only be listed and traded after obtaining the certificate of immovable property rights for 2 years.

3. Tax and fee policy

Value-added tax and additional tax: property certificate or deed tax invoice shall be exempted if it is issued for more than 2 years, and 5% of the total amount (calculated by full amount/1.05*5%) if it is less than 2 years, and additional tax shall be levied at 6% of the value-added tax. Personal income tax: 65438+ 0% of the taxable amount or 20% of the difference; The real estate license or deed tax invoice with a date of 5 years and the only house in the family is exempted.

4. Talent purchase policy

Funding targets: doctoral students, master students under the age of 35, full-time undergraduates, senior technicians and technicians who have paid social security for more than 6 months in Changzhou, introduced by Changzhou enterprises.

5. Housing subsidy policy

Funding targets: doctoral students, master students under the age of 35, full-time undergraduates, senior technicians and technicians who have paid social security for more than 6 months in Changzhou.