129801584449922500_162Asked 3 years ago, I got married, by means of a loan to purchase a set of 2 room residential, when housing prices were $ 1.5 million (90 square meters, the new about 2.5 million RMB), I put down a $ 500,000, provident loan of $ 600,000 and $ 400,000 worth of business loans (70 percent interest rate) loans for a period of 20 years. Recently, because of my wifePregnancy, family coming in the second half. At that time, my parents will come to help look after the children, now House a bit small. I would like to by means of a replacement, for an area of 120 square meters 3 bedroom, may I ask how? Text/Wang Biao answer: due to the incomplete information provided by you in the letter, such as your income, assets, family day, liveAll information such as city failed to provide, I can only be based on the data available to do some simple projections, for your reference. First, assume that you are prepared to swap houses and are now living real estate lots of similar, same price, just from the increase in the size of 30 square metres
tera gold, housing price 3.3333 million Yuan, sold the old House also require additional purchases of $ 833,300。 Real estate sale does not only consider the price issue, you also need to take into account transaction costs. Since you now houses held for less than 3 years, at the time of sale be subject to 5.65% of sales tax, 1% trading commissions and at least three transfer tax (if the property belongs to ordinary housing), which cost 3 7.65% of the selling price to the sum, calculated according to the price of $ 2.5 million,Need to pay the selling cost of about $ 190,000. Selling costs, buying a House as well as cost, cost of the main house is a transaction tax, buying houses, deed tax, usually for the purchase of 1.5%, non-ordinary housing, deed tax to increase to 3%. Due to the $ 3.33 million is already a relatively high price, even in Shanghai, will be recognized as non-home. Therefore, you may need to pay a $ 3% contract, amounted to $ 105,000. If you are buying second-hand, may also have to pay trading commissions, transaction costs will be higher. In the case of not considering buying commissions, you in order to improve their living conditions, home Exchange vacation schemes implemented, need to pay transaction costs of more than $ 340,000. Calculated according to the increase of 30 sq m of housing spaceAnd to increase the cost of nearly $ 10,000 per square meter. In addition to transaction costs, loan interest cost is also a factor to be considered. Your current mortgage is enjoying the most favourable interest rates, Provident Fund loan interest rates of up to 4.9%, commercial loans for 4.935%. If you want to sell your existing House, all loans must be repaid. So when you are buying again,Will not be able to enjoy the low lending rates. Due to Bank criteria more stringent implementation of second homes, usually is recognized and acknowledged the loan, as long as the loan, even if you pay off, loans have to be again recognized as second mortgages, loan interest rate for the benchmark interest rate of 1.1 times times, now is 7.755%, is also borrowed $ 400,000 commercial loans, 20 period of repaymentMonthly payments of $ 3,285, more than 70 percent interest rate loan, monthly or $ 660, 20 total to more than $ 158,400.
If credit line increase, I'm afraid the interest cost will increase. You can see from the above analysis, in order to increase 30 square metres of floor space, you not only have to spend a great deal of transaction costs
tera power leveling, had to pay a higher cost of capitalObviously in the context of the current policy, home Exchange vacation is not a wise move. If you insist on 2 years of existing housing, such as holding more than 5 years, in terms of tax will be some relief measures. In addition
tera power leveling, can also be about changes in housing policy. Even if it required immediate improvement of housing conditions, can also be considered in the vicinity of existing housing to rent a small house for parentsLive, if the monthly rent $ 2000, rented the House certainly older than 30 square metres, use Save transaction costs and the cost of capital, fully paid 15-18 rent. (Editors: Zhang yaoxue)
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