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Tag: houses

If only a part of the house under my name is used for business, can I still register it for personal use?

If part of the house is used for business and the rest is for self-residence, you can still apply for self-use tax rate and tax savings. Property tax, land tax and real estate tax can all be levied separately according to the proportion of use. The key is to clearly divide the use, declare honestly and apply in time to legally achieve the best of both worlds: "self-residence, business, tax saving and tax exemption".

Extend the drain pipe yourself, it’s easy and saves money!

It is actually very simple to extend the drain pipe, and you can save the cost of a technician by doing it yourself. Prepare a drainage pipe with a diameter similar to the original pipe, a slightly smaller PVC bridge pipe, hard adhesive and electric fire cloth. The steps include measuring and cutting, joining pipes, applying glue, letting them dry and sealing them. The whole process takes about five minutes, and you can use it after the glue dries. Not only can it save money, but it can also improve DIY skills and solve drainage problems during home appliance installation.

Mortgage Nightmare "Penguin Evil" Water Level 72-2 Clause

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.

Xinqingan advantages, disadvantages & pitfalls

The Xinqingan Home Loan, which has been making a lot of noise in the past year, is called the New Generation Youth Safe Start a Family Loan. It has a super discounted interest rate of 1.775% and a five-year grace period, so you can only pay back the interest within five years, and then pay off the loan later. The principal needs to be repaid.
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