After applying for a new Qing'an loan to buy a house, I regretted it due to the remote location and unstable job. I considered selling it but was worried about the real estate tax. In fact, the real estate tax is only levied on profits from price differences. If there is no profit, no tax will be levied. If the purpose is to relieve pressure, a flat transfer or a small compensation settlement is a more conservative option. It is recommended to consult the real estate agent to find a suitable exit method.
This year should be felt by all of Taiwan. Since the government promulgated the new Qing’an housing loan policy last year, the housing market has been rising like a rabbit, and a lot of people are watching TV and following various celebrities. While scolding Xinqing'an for causing housing prices to rise indiscriminately, have you ever tried to look at this matter from another angle?
Recently, many people have privately messaged me because 34 banks were invited to drink coffee by the government a few days ago, causing everyone to panic and ask what should I do if they are really stuck in getting a loan for buying a house? After learning about it in detail, I found out that many of them are not really unavailable, but the loans are ugly!
Policy borrowing means using the policy you purchased to borrow money from your insurance company. When the policy you purchased begins to have a "policy value reserve (referred to as premium)" as the years increase, you can apply for a policy loan from the insurance company based on your existing premium within the total policy price. Common ones include long-term life insurance, annuity insurance, etc.
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.
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.
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.
