Changshu's most comprehensive housing policy in 2022! Involving mortgage, settlement, provident fund, taxes and fees
1. Let go of the settlement threshold
The new settlement policy implemented in May 2020 1 can be directly settled in the undergraduate course!
Full-time undergraduate (no more than 45 years old) and above directly settled down, junior college, national vocational qualification (vocational skill level) level 3 (no more than 35 years old), paid social security for more than half a year and settled down.
Step 2 cancel the purchase and settle down
In the latest policy, it is clearly stated that the existing household registration access policies in Zhangjiagang City, Changshu City, Taicang City, Kunshan City and Wujiang District will be completely abolished, such as restrictions on buying houses and paying taxes on investment.
That is to say, if your family is over 75 square meters, you can't settle down by buying a house on July 2002 1 year, but if you get the ownership of the house before June 30, 20021year, you can still settle down by buying a house, and the deadline for applying for settlement is June 30, 2023.
Changshu also issued a request for comments. Changshu's advice is that those who have obtained the house ownership certificate before June 30, 20021are still eligible to buy a house and settle down, and the final application deadline is June 30, 2023.
3. Now Changshu's settlement policy:
Those who have been legally employed in the employer for more than 3 years, participated in social security for more than 3 years according to regulations, and have legal and stable economic income are allowed to move in with their spouses and minor children.
Full-time undergraduate (no more than 45 years old) and above directly settled down, junior college, national vocational qualification (vocational skill level) level 3 (no more than 35 years old), paid social security for more than half a year and settled down.
Changshu's latest school district policy
The first is to implement the "666" admission policy.
After the owner has used up the qualification of the school district once, he may not use it again within 6 years.
Second, citizens have the same behavior.
Starting from 2020, Changshu requires private schools to shake the number 100% and not to "pinch the tip" in advance.
Compulsory education schools fully implement the same recruitment for citizens, that is, both public and private schools should register, enroll students and register their school status simultaneously within the specified time, and resolutely put an end to enrolling students in advance and pinching enrollment.
03
Changshu's latest talent policy
On April 19, the official WeChat account of Changshu New Citizen Affairs Center released the Detailed Rules for the Implementation of Housing Subsidy for Talents in Changshu (hereinafter referred to as the Detailed Rules), pointing out that qualified talents can enjoy 1% housing subsidy when they buy the first self-occupied commercial house in Changshu.
According to the "Detailed Rules", the target of this subsidy is talents who pay social insurance or personal income tax in Changshu according to law, abide by the law and have no relevant bad records, buy the first set of commercial housing in Changshu for self-occupation and meet one of the following conditions: full-time undergraduate degree or above; Professional and technical personnel with intermediate or above titles; Technicians and above with high skills.
The subsidy standard is the fixed rate standard, and the new commercial housing is subsidized by 1% of the ticket price (excluding VAT); The stock room is subsidized according to the record price 1%.
04
Changshu loan policy
At present, Changshu Commercial Bank implements the policy of "denying loans but not houses".
1. First loan:
Households buy ordinary houses for the first time (that is, they have never bought houses). According to the national policy, the minimum down payment ratio is not less than 30%.
2. A loan record has been settled and a loan record has not been paid off.
For households that own 1 apartment but have no housing loan records or whose corresponding housing loans have been settled, the down payment ratio for applying for commercial personal housing loans to purchase ordinary housing is still 30%.
For households who own 1 apartment but the corresponding housing loans have not been settled, the down payment ratio for applying for commercial personal housing loans to buy ordinary housing is still 30%, but the interest rate rises.
3. Three or more sets
For households with three or more houses but the corresponding housing loans have been settled, the bank will determine the down payment ratio and loan interest rate level according to individual circumstances.
For households with three or more houses but the corresponding purchase loans are not settled, commercial personal housing loans will be suspended.
What materials should be prepared to apply for a loan, specifically as follows: _, ID card and photocopy of myself and my family members _, marriage certificate or divorce certificate, divorce agreement _, household registration book and photocopy _, proof of payment of social security _, proof of income (usually more than twice the monthly repayment), and bank memorandum.
In addition, Changshu provident fund loans have changed!
For the first time, the personal quota was raised from 450,000 to 600,000, and the family quota was raised from 700,000 to 900,000. Officially implemented on April 2 1 day!
Attention! The above new policies are only for "first-time use of provident fund loans"! The following two cases, according to the original policy!
At present, the interest rate standard of Changshu provident fund loan interest rate is:
The benchmark interest rate is implemented for the first suite. First home loan 1-5 years, with interest rate of 2.75%. 6-30 years, the interest rate is 3.25%; The benchmark interest rate of the second suite rises 10%.
The down payment ratio has not changed:
The down payment ratio has not changed, starting from 20% for the first suite; For the personal loan of the second-home housing provident fund (including the original housing loan has been settled), the minimum down payment ratio is 50%; Do not accept the loan application for the third and above housing.
Cardinality algorithm:
1 order: average deposit base in the last six months ×35%× 12× loan term;
2 Married: the average deposit base of husband and wife in the last six months adds up to ×35%× 12× loan period.
Balance algorithm:
1 bill: personal account balance × 10 (first use) or 6 times (second use) and personal deposit base is more than 2 times of the monthly repayment amount of corresponding years;
2 Married: the sum of husband and wife's personal account balance is × 10 times (for the first use) or 6 times (for the second use), and the sum of the deposit base of both husband and wife is more than 2 times the monthly repayment amount of the corresponding years.
Note: If the personal account balance is less than or equal to 10000 yuan, it shall be calculated as 10000 yuan, whichever is lower in the radix algorithm and balance algorithm.
According to the latest Detailed Rules for the Implementation of Individual Housing Loan of Suzhou Housing Provident Fund issued on 202 1, from June 1 1, provinces and cities outside the administrative area of Suzhou can deposit housing provident fund (off-site provident fund) and borrow money to buy a house in Suzhou (including Changshu).
Tax policy of purchasing houses in Changshu city
1 deed tax on new house
The taxes and fees for new houses are relatively simple, and the main things to be paid are deed tax, housing maintenance fund and various miscellaneous fees.
First suite: less than 90 square meters, deed tax1%; More than 90 square meters, deed tax1.5%; Second suite: less than 90 square meters, deed tax1%; More than 90 square meters, deed tax 2%; Three suites: 3% deed tax should be paid regardless of size.
Remarks: The first set, the second set and the third set here refer to the number of complete sets of houses under the family name.
In addition, there are some things in the new house, such as deed tax, public maintenance fund and property fee, which are all to be paid when handing over the house!
2 deed tax on second-hand houses
The expenses involved in second-hand housing transactions mainly include value-added tax and surcharges, deed tax, personal income tax and agency fees.
1. VAT and surcharge
Less than 2 years, ordinary houses and non-ordinary houses need to pay VAT, and the tax rate is generally 5.6%; After 2 years, ordinary houses will be exempted from value-added tax, and non-ordinary houses will be subject to price difference.
2. Personal income tax
Those who meet the family's only housing and purchase for more than 5 years are exempt from personal income tax; If you are not satisfied, pay according to 1%.
3. Deed tax
First suite: less than 90㎡, deed tax1%; Above 90㎡, deed tax1.5%; Second suite: below 90m2, deed tax1%; More than 90m2, deed tax 2%; Three suites: 3% deed tax should be paid regardless of size.
4. Others
Other taxes and fees: generally land value-added tax and stamp duty.