House acquisition house fund | A home
loan
* The house acquisition by the deflation times is not always a wise
policy.
（The load of the long-term loan for the deterioration of the property
value）
"A house fund"
* The home loan is less than 4 times of the yearly income
* The accommodations are around 80% of the purchase price
* The down payment is around 20%
= plus overheads =
New 3-5% used 6-10%
Procedure overheads： Financing procedure expense, loan guarantee
charges, group credit life insurance charges, a fire premium, a
registration fee, a brokerage fee
A tax about registration： Registration and license tax, the stamp
duty, real estate acquisition tax, a consumption tax
* Moving expense, the furniture purchase expense consider it, too
* Property tax after the purchase
"The accumulated fund of the house fund"
Worker's property accumulation system house savings
* Salary deduction
* It is tax-free to a constant sum
A person of object： Wage earner savings organization under 55 years
old： The ceiling tax-free more than five years savings： The use
of 5,500,000 amount with interest added financing systems： The use
is possible worker's property accumulation system house savings
Worker's property accumulation system home loans： More than worker's
property accumulation savings savings one year, it is the less than
10 times (maximum 40,000,000) financing of the savings balance in
more than savings balance 500,000
"The financial support from a parent"
The exception of the inheritance time settlement taxation system：
More than child 20 years old that there are no age restrictions
of the parent in to 35,000,000 more than child 20 years old more
than pro-65 years old by tax exemption donation 25,000,000
"House borrowed money and distinction subtraction" (home
loan subtraction)
Tax credit
* Less than income amount of money 30,000,000 of said this year
in total
* It is a house for self-residence and the site
* A return period more than ten years
* A half of the floor space is for the residence; more than floor
space 50m2
* Satisfy an above area matter at the time of enlargement of a building
and renovation; cost of construction less than 1,000,000
* It is 以内 or a house comprising a constant quakeproof standard
(the fireproof building, 25 years) for back 20 years old
* Income tax subtraction
* A final income tax return is necessary in the application first
year（I attach balance proof place at the end of the year of borrowed
money affecting a house acquisition fund）
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