As long as you buy a house for a higher price than your old house within two years after selling your house, you will be eligible for the tax refund for trading in a larger house. That overtax that sounds so scary will be written off immediately. dropped. This is the secret why rich people buy bigger and bigger houses! Because as long as I sell my original house and buy a more expensive and larger one, I can keep switching like this during the grace period. Directly, I will only pay interest forever, and I won’t be taxed heavily.
The difference between the triple-part unified invoice and the two-part unified invoice is mainly that the triple-part invoice has an additional stub copy compared to the receipt copy and deduction copy of the two-part invoice, so that the buyer with the same company bank number can use it as a stub. Use. The simplest difference is that one can be unified and the other cannot be unified, because in manual invoices, only triple invoices have an extra line, and the unified invoice format allows you to fill in it.
If you are not a domineering rich man who pays in full, but are a house slave who wants to apply for a mortgage, the most important thing you should pay attention to when signing the contract is that you must ask the agent to fill in this item for you. But book. If this had been filled out in the contract, it would not have caused so many people now to be anxious because the water level has exceeded the warning line, thinking that they will not be able to get the loan and will face the problem of defaulting and losing money. After all, the loan There’s nothing you can do if you don’t get it!
Taiwan's housing market is booming and banks' water levels have reached warning levels, causing many buyers to face loan difficulties and may default and lose money. Banks will not lend, waiting will not help, and the contract delivery date may come early. If you are unable to get a loan, you should consider applying for a loan from an institution that is not subject to the restrictions of Article 72-2 of the Banking Law. These institutions have preferential interest rates and are not subject to the 30% water level restrictions to meet your funding needs. If a bank loan fails, alternatives should be quickly sought to avoid the risk of default.
Currently, Taiwan stocks implement the "T+2" system, Today + 2 day, which means that stocks bought and sold today will be delivered and offset two days later, that is, statistics will be calculated before 10 a.m. on the second business day. If you find that the amount that can be deducted is insufficient, the salesperson will usually notify you to make up the money the day before. At this time, you must remember to quickly adjust the position with your relatives and friends, and deposit the money into the account for delivery.
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.
