Bohai News Network (Reporter Wei Wei) On October 22, 2008, the central bank and the Ministry of Finance simultaneously issued a series of policies to protect people's livelihood, such as reducing deed tax, temporarily exempting stamp duty, raising preferential interest rates for housing loans, and lowering interest rates for provident fund loans. What will the real estate recovery policy bring to the public? According to the calculation data of a commercial bank in our city, after the interest rate is lowered, the citizens can purchase an individual house for the first time of 800,000 yuan, and can apply for a commercial loan of 560,000 yuan or a housing provident fund portfolio loan, saving 8,665,438 yuan +002.4 yuan and 446,665,438 yuan +0.6 yuan respectively after repayment on schedule.

When an individual purchases an ordinary house of 90 square meters or less for the first time, the deed tax rate is temporarily lowered to 1%. The insiders have calculated an account for the public: take a commercial house or second-hand house transaction with a construction area of 90 square meters and a total price of 800,000 yuan as an example. Before the implementation of the new policy, citizens have to pay deed tax of 65,438+0.5% of the total house price, that is, 1.2 million yuan; After the adjustment to 1%, the deed tax that citizens need to pay is 8,000 yuan, and the deed tax can be reduced by 4,000 yuan.

For individuals to sell or buy houses, stamp duty is temporarily exempted. According to insiders, the current stamp duty rate is 0.05% of the total house price. If a 90-square-meter commercial house or 800,000-square-meter second-hand house is traded, both buyers and sellers need to pay 800,000 yuan × 0.05% = stamp duty of 400 yuan. Therefore, after the new policy, buyers and sellers can be exempted from stamp duty in 800 yuan.

For individual housing sales, land value-added tax is temporarily exempted. Industry insiders told reporters that before the implementation of the new policy, land value-added tax was levied on second-hand housing transactions in our city at 0.5% of the transfer income; After the implementation of the new policy, individuals who purchase ordinary houses of 90 square meters or less for the first time are temporarily exempted from land value-added tax. 10 From June 27th, the interest rate of individual housing loans for first-time purchase of ordinary self-occupied houses and improved ordinary self-occupied houses will enjoy a 30% discount, the minimum down payment ratio will be adjusted to 20%, and the interest rate of housing provident fund loans will be lowered by 0.27 percentage points again. For this policy, industry insiders introduced that after the implementation of this policy, taking the first purchase of a set of ordinary housing with a total price of 800,000 as an example, if you apply for a commercial loan, the minimum down payment before the implementation of the new policy is 240,000, and the service life is 20 years, with equal principal and interest repayment. Since the interest rate of first-time house purchase can be lowered by 15% on the basis of the benchmark interest rate of 7.47%, it is 6.3495. After the new policy, the loan was 560,000 yuan, with a fixed term of 20 years and equal repayment of principal and interest. The loan interest rate dropped by at most 30% to 5.229%, and the final monthly repayment amount was 3,766.96 yuan, with a difference of 358.76 yuan. If the minimum down payment ratio mentioned in the new policy is 20%, the loan amount is 640,000 yuan, and the monthly repayment amount is 4305. 1 yuan.

To apply for a housing provident fund portfolio loan, take the first purchase of an ordinary house with a total price of 800,000 yuan as an example, with a down payment of 240,000 yuan and a loan of 560,000 yuan (according to the current housing provident fund loan policy of our city, both husband and wife can apply for a provident fund loan of 350,000 yuan at most, and the remaining 2 10000 yuan can be lowered on the basis of the benchmark interest rate of 7.47%/kloc-0 before applying for a new commercial portfolio loan policy. After the new policy, the interest rate of provident fund loans for more than five years was lowered by 0.27 percentage points to 4.59%; The highest interest rate of commercial portfolio loan can be lowered by 30%, that is, 5.229%, and the final monthly repayment amount is 3643.92 yuan, with a difference of 186.09 yuan.