Provident fund loans, yin and Yang contracts do not work, the transaction evaluation software is built.
3 7 months (reporter Yu Wen Intern Zhao Wenjing Zhang Wanzhe) in the second-hand housing market prevailing in the "Yin and yang contract" in the provident fund loan to buy a house can not work. Two weeks ago, a number of "high transaction low tax" buyers in the approval of the approval procedures, mortgage formalities are stuck, the loan can not be put down, the buyer and the buyer are in an awkward position. Reporters learned that Ji'nan second-hand housing professional assessment software has been built, will be fully opened in the first half of this year, effectively avoid tax evasion.
"two weeks ago, the" yin yang contract "suddenly failed, and we were all caught off guard. Liu, a staff member of the Ji'nan market department, a provincial chain agency, said that it is still limited to the purchase of provident fund loans, and commercial loans have not yet been implemented.
it is understood that, in order to avoid tax evasion, last year, 7 departments such as land tax and housing management jointly participated in the construction of second-hand housing professional assessment software. The evaluation software is mainly to assess the price of the second-hand housing for the tax reporting, and to get a price that is in line with the market market. As a basis for tax payment, it prevents low evaluation and high evaluation of all kinds of purposes.
"at present, the second-hand housing transaction evaluation software has been built and gradually began to be used in the tax collection and management of second-hand housing transactions." Ji'nan city related departments staff introduced, through the professional evaluation institutions to find a house, according to the market price evaluation of the price, the other housing can be used as the standard, by multiplying coefficient method, calculate the corresponding evaluation price.
"after the implementation of the new policy, tax evasion is very difficult to implement." Liu said frankly, the new deal requires the price of the loan to be consistent with the transfer price. Now five or six customers have been stuck. These customers completed the transfer procedures, get the property certificate to handle the mortgage, because the two prices are inconsistent, the mortgage can not run down, the loan will not be put down. "Such buyers and sellers are very embarrassed, no loans, buyers can not pay the final payment, sellers are anxious." Liu said, many intermediary companies have encountered such problems, but there is no solution. "Now the Housing Authority will remind us that if the transfer price is not consistent with the loan price, mortgage can not be reported."
speaking of the impact of the new deal on the industry, Mr. Wang said that, in the short term, it would have a certain impact on the transaction, especially the house with a property certificate not over five years, 5.6% business tax plus personal tax, deed tax and so on, and the tax payment required is 7.6% of the total. After putting an end to the "Yin and yang contract", the 1 million yuan house, for example, needs to pay a tax of up to 76 thousand yuan. In the long run, the new deal helps prevent tax avoidance and regulate the real estate market.
> related link
what is the "Yin and yang contract", the provincial city chain intermediary staff introduce, in order to escape the tax or get more bank loans, in the second-hand house transaction, the same property sign different prices, loan contract and the transfer contract price is different, for the provident fund loan purchase for example, evaluation of the company The price in the evaluation report is 800 thousand yuan, and the transaction price is 800 thousand yuan when the house is signed. In order to avoid high tax collection, the intermediary will usually revoke the net contract again. "As long as both sides agree, the net signing contract can be withdrawn." Mr. Wang said that after the revocation, the transfer price was changed to 500 thousand yuan, which became the basis of tax payment.
with the property certificate for five years, the first suite below 90 square meters for example, the personal tax is 1%, the deed tax is 1%, according to the total price of 800 thousand yuan, it needs to pay 16000 yuan tax. If the total price of 500 thousand yuan is 10 thousand yuan, it will save 6000 yuan.