There shall be no exclusions in the living annuity part of an annuity insurance contract. Exclusions refer to dangers caused to the insured due to intentional or illegal reasons. The insurance law expressly stipulates that the insurer is exempted from liability for compensation.
The real estate and land integration tax is a real estate transaction tax implemented in 2015. It is taxed on the actual income from the sale of houses and land. This tax regime applies to real estate acquired after 105 years when sold; short-term transaction tax rates are as high as 35% or 45%. The revised version 2.0 on April 28, 2010 further strengthened the regulations, including heavy taxation on short-term arbitrage, taxation on legal persons, expansion of taxation scope, prevention of tax evasion by claiming land, etc. General households are not affected by this tax at all if they do not sell or make a profit.
When applying for mortgage underwriting, there are two repayment options: "average principal and interest amortization" and "average principal amortization." The average monthly repayment amount of principal and interest is fixed, and the total interest payment is higher; the average monthly principal payment is fixed, and the interest decreases month by month, the total interest payment is small, but the initial monthly payment is higher. Choosing the right one can help reduce your total interest expense.
When applying for a mortgage, you need to understand the concepts of "grace period" and "extended repayment period." During the grace period, you only need to repay the interest, and after the end, you will also repay the principal and interest. For example, for a 10 million yuan loan, the monthly interest during the grace period is about 15,000 yuan, and the repayment amount after the end is about 42,000 yuan. Extending the repayment period to 40 years will shorten the principal repayment period. Home buyers should evaluate their repayment ability to avoid being deceived by low interest rates, consider additional taxes and decoration costs, and make a rational decision on whether to purchase a home.
The Ministry of Interior and Land Management Bureau announced that the application period for housing subsidies in 2024 is from August 1 to August 30. Subsidies include interest subsidies on home loans for self-purchase and renovation, and can be matched with new Qing'an loans. Applicants must meet four conditions: annual household income, average monthly income per person, and household movable and real estate limits. Violations include owning a second home, a spouse owning a house, and inheriting a house. Violators will have to pay back the subsidy. Please note the preferential interest rates and conditions, and the subsidy period can be up to 20 years.
Driven by the New Qing'an Loan Plan, the direct housing market prices soared, and many banks approached the lending warning line of 28%, resulting in stricter lending. This is because Article 72-2 of the Banking Law limits the loan limit to no more than 30% of the total amount of deposits and financial bonds. Now buyers are responsible for higher interest rates and down payments. It is recommended to negotiate with the builder in advance to delay payment or change banks to avoid loan failure.
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I have never wanted to please everyone, but since you want me to speak up for everyone, please call me "1450"!
Line Pay, which is a popular product commonly used by Taiwanese people, has not fallen below the expected volume point all the way down. It rebounded as low as 512, and then started to fluctuate back and forth. After half a year of fluctuations within 100 yuan, yesterday, July 26, I officially submitted a listing application to the Taiwan Stock Exchange. However, due to the impact of the US stock market on the market, it fell for more than a week, resulting in the inability to rise. The closing price was 526, but I received news earlier. Those who entered the venue had already started running on 7/22.
