For buying and selling second-hand houses, according to the latest regulations, starting from March 3, 20 15, the business tax exemption will be adjusted from five years to two years. At the same time, according to the different situations of both parties, the specific tax and fee details are as follows:
1. deed tax: (generally paid by the buyer, unless otherwise agreed by both parties)
Pay according to 3%:
2. Business tax: (generally paid by the seller, unless otherwise agreed by both parties)
If the house area exceeds 144 square meters and the real estate license has been completed for 2 years, the difference shall be paid. The calculation formula is: (last purchase price-current sale price) * The tax rate is 5.5%.
3. Individual income tax: (generally paid by the seller, unless otherwise agreed by both parties)
The real estate license has been completed for five years, and it is the only property exempted from personal income tax under the name of the seller's husband and wife; If the seller's husband and wife are not the only real estate or the real estate license is less than 5 years old, it shall be paid according to 1%.
4. Other expenses are relatively small:
Transaction cost: 6 yuan/square * number of rooms.
Production cost: one certificate of 80 yuan; Two certificates 90
Appraisal fee: 0.5% of the total appraisal amount (bank loan is required).
Mortgage fee: 100 yuan (bank loan required)
Proof of purchase: 20 yuan generally needs to open 3 copies.
Standard of notarization fee: 300 yuan (if you can't handle it in person, you need to handle this business fee).
Second, how to consider at least two situations.
1. If you buy a house by mortgage, you must communicate with the appraisal company and issue an appraisal report without affecting the loan amount.
2. If it is not a mortgage loan, communicate with the appraisal company and issue an appraisal report according to the lowest appraisal price.
Third, the loan should be based on the current situation of the house and its own situation, and several banks should be selected for consultation! Can be directly entrusted to the national chain of formal brand intermediary agencies to handle!