Can I buy a shop with a provident fund loan?
You can't. Housing provident fund can only buy houses of residential or residential nature, such as shops, shops, apartments, etc., and cannot be used. Other channels are not easy to handle, and you can only apply for withdrawal for reasons such as house maintenance or account transfer.
Because shops are commercial in nature, they cannot be purchased or loaned with housing provident fund. But you can change it a little, that is, you can buy a ground floor house facing the street. These ground-floor houses can be used as storefronts, and the nature of the land is not commercial, so housing provident fund can be used.
What tax should I pay for buying a shop?
1, local taxes such as national tax, enterprise income tax and stamp duty must be paid when purchasing shopping malls and shops. National tax surcharge. Withholding and paying personal income tax.
2. After five years or five years, the transaction needs to be paid. Transfer fee: 5 yuan/m2; Business tax and other surcharges: 5.6% of the total amount; Personal income tax, the difference is 20%; Land tax, 3%; The deed tax is 4% of the transaction price.
3. In terms of shop tax, the purchase is relatively simple, mainly 3% deed tax of the contract amount and 0.05% contract stamp duty.
4. The tax calculation of sales is more complicated. First of all, it is 5.65 of the difference between the sales contract. 65% business tax and surcharges. The second is the land tax. The profit rate calculated according to the bid-ask price difference and the original purchase price is divided into different grades: less than or equal to 50%, and the tax rate is 30%; More than 50% and less than or equal to 100%, and the tax rate is 40%; More than 100% and less than or equal to 200%, and the tax rate is 50%; If it exceeds 200%, the tax rate is 60%. After deducting business tax and land tax, the remaining net profit is taxed at 20%.
5. When estimating the business tax of commercial real estate in general industries, it is calculated according to about 40% of the bid-ask difference, with little error. As for chartering, the law does not allow developers to charter directly, but at present, most shopping mall operators (some are management companies registered by developers alone) sign long-term lease contracts with owners, which is legal. The longest lease term shall not exceed 20 years.
Whether you can use provident fund loans to buy shops and what taxes you have to pay for buying shops are well known. There are many questions about buying shops, and everyone wants to know more. Office workers go to the provident fund to buy a house more conveniently, but they can't use provident fund loans to buy shops, so everyone must fully understand the local policies.