You need to pay off the mortgage before you can change hands. Changing hands requires transferring ownership. General second-hand housing transactions need to pay taxes:

I. Taxes and fees payable by the Buyer:

1, deed tax: 65438+ 0.5% of the house price (13% for the area above 44 square meters, 1% for the area below 90 square meters, and it is the first suite).

2. Stamp duty: 0.05% of the house price.

3. Transaction cost: 3 yuan/m2.

4. Surveying and mapping fee: 1.36 yuan /m2.

5. Ownership registration fee and evidence collection fee: Generally speaking, it is around 200 yuan.

Two. Taxes payable by the seller:

1, stamp duty: 0.05% of the house price.

2. Transaction cost: 3 yuan/m2.

3. Business tax: 5.5% of the total amount (if the real estate license is less than 5 years).

4. Personal income tax: 20% of the real estate transaction profit or 65438+ 0% of the house price (the only house can be exempted if the real estate license is over 5 years).

Hope to adopt, thank you.