You use your uncle's name to get a provident fund loan. At present, the interest rate of provident fund stipulated by the central bank is 4.5 and the interest rate of commercial loans is 6.55. Generally, the first bank loan can go down 15%-30%, which means the highest interest rate is 5.57. If the loan is 300,000 yuan, the monthly contribution of the provident fund for 25 years is 1667.4 yuan. The maximum monthly payment of commercial loans in 25 years is 19 13.7 yuan/month, with a monthly difference of 246.3 yuan, with a difference of 3,000 yuan in one year and 30,000 yuan in ten years. It is estimated that you can definitely pay off the loan within ten years, and the bank can repay it in advance, and the remaining interest will be discounted at one time.

If * * * buys a house, it can be operated, and there is definitely no problem with commercial loans. If it is a provident fund loan, see if it needs to be deposited for 12 months. The loan amount, the common reserve fund is 800,000 yuan, with a 3a rating of 940,000 yuan and a 4A rating of 654.38+0.04 million yuan. I don't think you need that much.

If the house you bought is not settled, or a new house, your account can be moved into the unit. Of course, your children can also settle in the name of your house. Ask the household registration department of the local police station specifically, will it affect children's schooling? There must be a difference in big cities. Why don't you ask the local school's policy specifically?

If you remove your uncle's name, you can only use the buying and selling procedures. If it is a gift, the full 20% personal income tax is definitely not appropriate. The tax on business in Qingdao will be 20,000-30,000, because it is impossible to predict the national policy in a few years, and it is certain that it will only be more than less.

Buying a house with your own loan is easy and worry-free. You buy a house in the name of your uncle, that is, you and your uncle's family have this house. Aren't you worried that things will change in a few years? Your uncle will not transfer the ownership to you. What would you do? Legally, you have it, and he also has the right to dispose of it. What you said doesn't count.

I suggest you buy this house with your own loan. The cost is actually similar, but it will save a lot of things and put a lot of heart. Think about it yourself, more than 200 yuan a month should not be stressful!