The buddies on the first floor may not know much about real estate policy. Hehe, the minimum down payment requirement for second-hand housing loans is 50%, and you said 30%. That's a new house, and it's the first one. Your method looks good, but the transfer is subject to transaction tax. 5.5% business tax can be exempted from transaction tax in five years, but do you know what the premise is? If it is the only house of the original owner. How many people sell only one suite now? If you don't have to pay personal income tax, it may drive up the house price and increase the loan, but the tax bureau is happy and has to pay income tax, which increases the total amount of house purchases for no reason.
In addition, even if you really encounter such a house (sell the only house), if the original house is mainly to buy a new house within one year, it must exceed the total price of the house sold. If it doesn't, you have to pay income tax. You raised the price. Not the original owner?
If the problem can be solved so simply, the second-hand house will not be unsalable! ~ ~ Can national supervision tolerate such an easy loophole?