Housing appraisal fee is the fee that needs to be paid when speculating and judging the value of real estate. If you don't pay the appraisal fee, your second-hand house will be hard to protect.
The standard of evaluation fee is not stipulated by the state, but follows the market, that is, the standard of evaluation institution is regulated by the market.
When buying a second-hand house or a new house with a loan, you have to pay an evaluation fee, which is generally paid by the buyer.
But if you buy a new house in full, you don't have to pay the evaluation fee.
Second-hand housing sales steps:
1, understand the housing situation. The buyer understands the overall situation and property rights of the house, and requires the seller to provide legal documents, including house ownership certificate, identity certificate and other documents.
2. Check the documents. The buyer and the seller hold the original real estate license or the original mortgage contract to the housing management department to inquire about the real estate files.
3. sign the contract. If the house provided by the seller is legal and can be traded, the buyer can pay the purchase deposit (but it is not a necessary procedure for the sale of commercial housing). After the buyer and the seller reach an agreement on the location, property right, transaction price, delivery time, delivery method and property right disposal of the house through consultation, both parties shall sign at least three house sales contracts.
4. Apply for transfer. Both the buyer and the seller apply to the real estate transaction management department at the same time. The management department should check the relevant documents, review the property rights, and allow the transfer procedures for houses that meet the listing conditions. If there is no property right or some property rights have not obtained the written consent of other property rights, the application will be rejected.
5. make a contract. After the examination and approval of the real estate transaction management department, both parties to the transaction can go through the formalities of signing the deed.
6. Pay taxes and fees. The composition of taxes and fees is more complicated, depending on the nature of the transaction house. For example, the tax composition of housing reform, affordable housing and other commercial housing is different.
7. Go through the formalities of property right transfer. After both parties to the transaction complete the registration of property right change in the real estate transaction management department, the buyer applies for a new property right certificate to the issuing department with the Notice of Obtaining the Property Ownership Certificate.
8. Pay the house price and get the property certificate. The buyer pays off all the house payment, obtains the house ownership certificate, and the seller delivers the house and settles the property fee.
2. Wuxi second-hand housing transfer fee details 202 1?
1. deed tax: (generally paid by the buyer, unless otherwise agreed by both parties)
1.90 m2 or less, the buyer shall pay1%for the first time;
2. For the first time to purchase a house of more than 90 square meters (including 90 square meters) 144 square meters, the buyer shall pay 1.5% of the house price;
3. Pay 3% in the following cases:
(1) 144 square meters or more;
(2) It is not the first time for the buyer to buy a house;
(3);
(4) Non-ordinary houses (commercial houses)
Two. Value-added tax (seller)
VAT will be exempted after 5 years.
If it is less than 5 years, the additional tax of 5% and 0.3% will be levied in full.
Value-added tax is a new policy introduced on August 30, 2020.
3. Business tax: (generally paid by the seller, unless otherwise agreed by both parties)
1, the real estate license is over 2 years, and ordinary residential properties below 144 square meters are exempt from business tax.
2. If the real estate license is less than 2 years, the business tax shall be paid at 5.5%;
3. If the building 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 selling price) The tax rate is 5.5%.
4. The formula for calculating the price difference of shops is:
(Last purchase price-current selling price) The tax rate is 5.5%.
Four. Personal income tax: (generally paid by the seller, unless otherwise agreed by both parties)
1. The only property under the name of the seller's husband and wife is exempt from personal income tax after the property ownership certificate has reached five years.
2. If the non-unique property or real estate license under the name of the seller's husband and wife is less than 5 years, it shall be paid as 1%.
3. The store pays the price difference, and the calculation formula is: (Last purchase price-current selling price) The tax rate is 20%.
V. Other costs are relatively small:
Transaction cost: 6 yuan/square house.
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: one from 20 yuan.
Generally, it takes 3 notarization fees: 300 yuan.
3. How to calculate the loan evaluation fee in Wuxi?
The assessment fee is charged according to the charging standard published by the state, and the fee is charged according to the assessment value.
For example, if the evaluation value is 1 10,000, then the charge is 10000000.005=5000 yuan.
The appraisal value is 3 million yuan, so the charge is1000000.005 (3000000-1000000) 0.0025 =10000 yuan.
Four, Wuxi provident fund loans to buy second-hand housing evaluation where to evaluate the cost.
The general house appraisal is based on the fact that the bank has a general appraisal price range for each area, and then the appraisal price is determined according to the location, floor, area, decoration, age and other factors of the house. However, it is not higher than the bank's highest evaluation price range for the region.