Young people usually have to settle their future homes before they get married, and then consider what kind of home styles are arranged for the room, what kind of sofas, beds and other furniture to choose, and then start looking for a decoration company to start renovation. Then, in our "ten-tax" country, the first step, buying a house is bound to involve the issue of tax payment. How to pay taxes? Furniture fans take you to see.
What taxes do you have to pay to buy a house?
First, business tax. Business tax is a kind of tax levied on the sales of real estate units and individuals. It is a major tax in the turnover tax system. The business tax is paid by the seller at 5.6%. If it is five years, it can be reduced.
Second, the deed tax. Deed tax is a kind of property tax that is levied on real estate with the change of ownership as the object of taxation. It is paid according to the assessed value of 1%-3% when buying a house, and 1% of the first purchase within 90 square meters, the area is 90 square meters- 144 square meters and 1.5% for the first time, not for the first time to buy a house or 144 square meters or more to pay 3%, paid by the buyer.
Third, stamp duty. Stamp duty is a very old tax type. At present, it is charged 5 yuan per house title certificate, and other temporary exemptions.
Fourth, personal income tax. The personal income tax is an income tax levied on the income obtained by the seller. The income tax is paid at 1% of the full amount or 20% of the difference, and is borne by the seller. If it is the only ordinary housing reduction for five years.
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When to pay taxes
Fifth, the fund. Housing maintenance fund, 2-3% of the total purchase price, 2% in most places; non-staple food price adjustment fund, 2 yuan / square meter, some places do not.
Fifth, the fund. Housing maintenance fund, 2-3% of the total purchase price, 2% in most places; non-staple food price adjustment fund, 2 yuan / square meter, some places do not.
Sixth, the fee. The fees mainly include the following aspects:
1. Transaction fee, 0.5% of the total purchase price. Both buyers and sellers pay 0.25% each (household 3 yuan / square meter, paid by the developer, buyers do not have to pay).
2. The cost of the “Building Ownership Certificate†is different, but it does not exceed 100 yuan.
3. The cost of the land use right certificate is different, but it does not exceed 100 yuan.
Seventh, if you mortgage, the following costs will occur:
1. Evaluation fee, 0.2-0.5% of the total purchase price.
2. Insurance premium, the total purchase price multiplied by the loan year multiplied by 0.1% multiplied by 50%.
3. Notary fees, loan amount multiplied by 0.03% 4. Mortgage registration fee, 100 yuan.
General process
The first link: getting started
Before buying a house, first estimate your actual purchasing power according to the financial strength and repayment ability, and determine the location, area, price, floor and orientation of the house according to the needs of work and life.
The second link: picking the listing
This link is a continuation of the preparatory work. It can be inquired from newspapers, house exhibitions, formal brands, or related real estate websites.
The third link: the field to see the house
This is a complicated and very important process. Under the leadership of a professional agent, conduct a site visit to the house to be purchased. To check the information about the house, such as the title certificate, the owner's ID card, etc., after the comparison, the house is fixed.
The fourth link: Negotiating the signing of the sales contract
Once the target is determined, it enters the negotiation phase of substantive contact with the seller. Negotiating and signing a sales contract is the most important part of the process of buying a house. Both buyers and sellers must implement their rights and obligations on the text, especially the key terms such as the size of the house, payment method and property status.
The fifth link: handling property rights transfer
The original seller's name should be replaced with the name of the new buyer. It is necessary to prepare relevant information under the guidance of the intermediary company, and then the warrants will assist in the transfer of property rights.
The sixth link: Checking the house must be clear of the water, electricity, gas, cable TV, heating, property and other expenses of the purchased house. Both the buyer and the seller and the intermediary company must sign the property delivery order.
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Buying a house tax time:
The correct one should be that the contract can be declared after the contract takes effect, and the real estate license can only be processed after paying the tax. In order not to let developers take up your money, ask when you get the money before paying. Generally, the documents can be handled in about one month, and the special ones are two or three months.
As for saying that you can pay taxes after receiving the real estate license! This certainly does not refer to the taxes and fees generated by the real estate exchange. For example, property tax and land use tax can only be paid after receiving the real estate license.
What to pay attention to when paying for a house
Learn about some transaction costs
Deed tax: 1.5% of ordinary commercial housing is less than 120 square meters, 3% is more than 120 square meters, and high-end residential buildings such as apartments and villas are 3%. When the actual transaction price of houses is higher than 1.2 times of the average transaction price of houses on the same level of land, The deed tax is charged at 3%.
Registration fee: 80 yuan per set; stamp duty: 5 yuan; handling fee: 3 yuan / square meter
Loan fee
Loan insurance: According to the loan amount of 6/1000 of the loan amount, the insurance premium will vary according to the length of the insurance period; mortgage fee: loan amount × 1.4‰; registration fee: 80 yuan; stamp duty: 5 yuan
Remarks: The above is only the usual purchase cost, and the cost of buying different houses varies from person to person. Seven, specific examples of housing purchase costs (1)
A buyer purchases a set of commercial housing, the price is starting at 5,500 yuan / square meter per square meter (current house). It is assumed that the buyer has selected a two-bedroom, one-bedroom, five-story, 81-square-meter apartment with a price of 5,700 yuan per square meter. The cost of purchasing this commercial housing should include:
First, the price of the house: 5700 yuan / square meter × 81 square meters = 461700 yuan
Second, the tax should be paid:
1. During the transaction transfer process:
(1) Deed tax: The buyer pays 4% of the house price, which is equal to 461700 yuan × 4% = 18468 yuan;
(2) Trading fee: 0.5% of the transaction price of the buyer and seller, equal to 461700 yuan × 0.5% = 2308.50 yuan;
(3) Stamp duty: 0.5‰ of the contract amount paid by both buyers and sellers, equal to 461700 yuan × 0.5‰ = 230.85 yuan.
The total of the three items is: 21,007.35 yuan.
2. In the process of applying for the property right certificate
(1) Registration fee: 0.3 yuan per square meter of construction, equal to 0.3 yuan / square meter × 81 square meters = 24.3 yuan
(2) The cost of building ownership certificate: 4 yuan per license. If the property rights of the house are more than 2 persons, the house ownership license shall also be applied, and each card shall be charged 2 yuan.
(3) Stamp duty: 5 yuan per piece. The total of three items is 33.3 yuan
(4) Public maintenance fund: 2% of the purchase price, equal to 461700 yuan × 2% = 9234 yuan
The difference between paying taxes on a second-hand house
General second-hand housing transactions need to pay taxes:
First, the buyer should pay taxes:
1. Deed tax: 1.5% of the house payment (3% of the area above 144 square meters, the area is below 90 square meters and the first suite can pay 1%)
2. Stamp duty: 0.05% of the house price
3. Transaction fee: 3 yuan / square meter
4. Surveying and mapping fee: 1.36 yuan / square meter
5. Ownership registration fee and evidence collection fee: The general situation is within 200 yuan.
Second, the seller should pay taxes:
1. Stamp duty: 0.05% of the house price
2. Transaction fee: 3 yuan / square meter
3. Business tax: 5.5% of the total amount (the ordinary housing with a real estate certificate for 5 years does not need to be paid)
4. Personal income tax: 20% of the profit part of the real estate transaction or 1% of the house payment (the real estate certificate is 5 years and the only housing can be exempted)
The new house is usually in the form of a triple receipt, so it does not involve the tax, but you have to pay a 1.5% transaction deed tax when you apply for the title certificate. The residential transaction deed tax with a building area of ​​more than 140 meters is 3%. Is 5%, stamp duty 0.05%
In the second-hand house, the property tax will be paid within five years of sale, 5.55%, personal income tax of 1%, and the building area of ​​more than 140 meters will also be subject to land value-added tax. For the first-hand house, as long as the deed tax is less than 1% of 90 square meters, 1.5% of the above 90%, and also the maintenance fund, 105 yuan / square.
The second-hand housing tax is the first set of 1% below 90%, and above 90%, if it is two sets of 3%. At the same time, there is a business tax of 5.6% (free of five years), personal income tax of 1% (after five years and the only one can be exempted), and an intermediary fee.
1. Evaluation fee, 0.2-0.5% of the total purchase price.
2. Insurance premium, the total purchase price multiplied by the loan year multiplied by 0.1% multiplied by 50%.
3. Notary fees, loan amount multiplied by 0.03% 4. Mortgage registration fee, 100 yuan.
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