A first-hand house/apartment
Evaluate the price and area according to whether the house is purchased for the first time. , the payment method is as follows:
1, mapping fee 1.36 yuan/square, buyer;
2. The appraisal fee is 0.5% (the appraisal amount is allowed to float), and the buyer;
3. The assessed amount of deed tax is the first 90m2 1%, the first 90m21.5% ~140m2, and the amount exceeding140m2 or exceeding 3% for the first time shall be paid by the buyer;
4. Transaction fee 3/ m2, buyer;
5. Production cost: 80 yuan, buyer (stamp duty of works: 5 yuan);
second-hand house
Is the house more than five years old? Is this the only house? Is this the first time to buy a house? According to the above problems, evaluate the price, area and so on. , the payment method is as follows:
1, mapping fee 1.36 yuan/square, buyer;
2. The appraisal fee is 0.5% (the appraisal amount is allowed to float), and the buyer;
3. The assessed amount of deed tax is the first 90m2 1%, the first 90m21.5% ~140m2, and the amount exceeding140m2 or exceeding 3% for the first time shall be paid by the buyer;
4. The income tax shall be borne by the seller, and the tax rate is 65438+ 0% of the total amount, and the only house will be reduced or exempted after five years;
5. Transaction fee 6/ square, both parties;
6. The production cost is 80 yuan, and the buyer (5 yuan) is the buyer;
7. 5.6% of the business tax shall be paid by the seller. On March 30th, 20 15, the Ministry of Finance and State Taxation Administration of The People's Republic of China issued a document, and the period of exemption from business tax for resale of ordinary houses was changed from 5 years to 2 years.
Question 2: What tax (1) deed tax is required for housing loans? The plot ratio of residential buildings is above 1.0 (inclusive), and the single building area is below 140 (inclusive) square meters (increased on the basis of 120 square meters 16.7%), and the actual transaction price is 1.2 times the land of the same level. Otherwise, press 3%.
(2) stamp duty. The Buyer and the Seller each pay 0.05% of the house price.
(3) business tax. The business tax payable for houses purchased within two years is: transaction price × 5%; Two years later, the business tax will no longer be levied on ordinary houses, and the business tax of 5% of the difference between the bid and the sale will be levied on high-grade houses.
(4) Urban construction tax. 7% business tax
(5) Education surcharge. 3% business tax
(6) Personal income tax. Within 2 years of ordinary residence: {sales revenue-total house purchase-(business tax+urban construction tax+education surcharge+stamp duty) }× 20%; Ordinary residential buildings with more than 2 years (inclusive) but less than 5 years: (sales revenue-total purchase price-stamp duty) × 20%. Sale of public houses: within 5 years, (housing sales income-affordable housing price-land transfer fee-reasonable expenses) × 20%, in which affordable housing price = construction area × 4,000 yuan/m2, and land transfer fee = 1.560 yuan/m2×1%× construction area. Ordinary houses for more than 5 years shall be exempted.
Question 3: What taxes and fees does mortgage to buy a house need to pay? (1) Taxes and fees payable for the purchase of commercial housing:
1, deed tax, 3-5% of the total purchase price (the tax rates of different provinces, municipalities and autonomous regions are different), and ordinary commercial housing is halved, that is, 1.5-2.5%.
2. Stamp duty, 0.05% of the total purchase price.
(2) Funds:
1, housing maintenance fund, accounting for 2-3% of the total purchase price, and 2% in most places.
2, non-staple food price adjustment fund, 2 yuan/square meter, some places do not use.
(3) cost
1, transaction fee, 0.5% of the total house purchase price, 0.25% for the buyer and 0.25% for the seller (residential 3 yuan/m2, paid by the developer, not by the buyer).
2. The real estate license fee varies from place to place, but it does not exceed 100 yuan.
3. The cost of land use right certificate varies from place to place, but it does not exceed 100 yuan.
(4) If mortgaged, the following expenses will also occur.
1, appraisal fee, 0.2-0.5% of the total purchase price.
2. Insurance premium: the total purchase price multiplied by the loan term multiplied by 0. 1% multiplied by 50%.
3. Notarization fee, the loan amount multiplied by 0.03%.
4. Mortgage registration fee, 100 yuan.
Question 4: What taxes do I have to pay to buy a house with a loan and a full house? 1. The customer pays the down payment to the landlord on the same day, and the down payment can be directly signed in the real estate sales contract (it takes one day)!
2. The customer goes to the real estate trading center with ID card, household registration book, marriage certificate and sales contract to inquire about the purchase restriction (the result will come out after 7 days)!
3. The customer can review the tax, pay the tax and transfer the ownership (to the landlord for the second suite) on the day when he gets the results of the purchase restriction inspection, and then the house can be handed over!
In combination with local conditions, if you don't need to inquire about the purchase restriction, you can transfer directly! That is, if the materials are complete, you can transfer the ownership the next day!
Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and no house certificate.
Loan application information
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)
note:
1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;
2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;
3. Guarantor;
The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.
It usually takes about 1 month to get a loan.
Question 5: What taxes does mortgage to buy a house have to pay? The fees to be paid by mortgage to buy a house include the handling fee or appraisal fee and guarantee fee generated by your own loan, as well as deed tax, agency fee, business tax and personal income tax. If the landlord gets the price, or not, it depends on the situation of the house you bought.
Question 6: What do you need to pay for the loan to buy a house? Maintenance fund, deed tax and stamp duty; Home insurance, mortgage fair fee;
In the basement, the check-in fee is also a big expense.
Question 7: What taxes should I pay for buying a house? I. Taxes and fees to be paid for the purchase of new houses
(1) Taxes and fees payable for the purchase of commercial housing:
1, deed tax, 3-5% of the total purchase price (the tax rates of different provinces, municipalities and autonomous regions are different), and ordinary commercial housing is halved, that is, 1.5-2.5%.
2. Stamp duty, 0.05% of the total purchase price.
(2) Funds:
1, housing maintenance fund, accounting for 2-3% of the total purchase price, and 2% in most places.
2, non-staple food price adjustment fund, 2 yuan/square meter, some places do not use.
(3) cost
1, transaction fee, 0.5% of the total house purchase price, 0.25% for the buyer and 0.25% for the seller (residential 3 yuan/m2, paid by the developer, not by the buyer).
2. The real estate license fee varies from place to place, but it does not exceed 100 yuan.
3. The cost of land use right certificate varies from place to place, but it does not exceed 100 yuan.
(4) If mortgaged, the following expenses will also occur.
1, appraisal fee, 0.2-0.5% of the total purchase price.
2. Insurance premium: the total purchase price multiplied by the loan term multiplied by 0. 1% multiplied by 50%.
3. Notarization fee, the loan amount multiplied by 0.03% 4. Mortgage registration fee, 100 yuan.
Question 8: What money do you need to pay in the process of buying a house? Step 1: Pay the down payment and sign the sales contract: Pay attention to the content of the house purchase contract, and don't forget to check the "two books" when signing the house purchase contract. After paying the down payment, you have to pay stamp duty: 0.5‰ of the total house price.
Step 2: Apply for a house purchase loan and pay relevant fees: Choose the loan method that suits you and pay the fees for handling the loan;
1. Attorney's fee: 3‰ of the loan amount applied. If it is less than 100 yuan, it will be charged at 100 yuan; Housing provident fund loans, no lawyer fees.
2. Notarization fee: If the house needs to be notarized, a certain percentage of notarization fee shall be paid. The standard of notarization fee is generally from 200 yuan to 400 yuan, or charged according to the standard of notary office.
3. Insurance premium is divided into two forms. At present, mortgage and joint liability guarantee are generally adopted: insurance premium = house price x annual insurance rate x converted present value coefficient.
Step 3: move in and sign the property management convention: get the materials ready to take over the building, sign the property management convention, calculate the pool area, sign the house acceptance certificate, and pay the heating fee and property management fee.
1. Property management fee: generally, a one-year property management fee will be charged.
2. Heating fee: Due to the different heating methods in the community, the heating fee paid is also different. Supplied by the Municipal Heating Group, it is 24 yuan per square meter of building and heating season; Coal-fired boiler (direct supply) supply 16.5 yuan per square meter construction and heating season; Coal-fired boiler (intermittent supply) supply 19 yuan per square meter construction and heating season; Fuel oil (diesel oil), gas (natural gas, gas) and electric boiler are supplied for every square meter of building, and 30 yuan is used in heating season.
Step 4: Apply for the house title certificate. The fees to be paid for housing property certificate are as follows:
1. Deed tax: the part with a construction area of less than120m2 shall be paid as 1.5% of the total house price, and the part with a construction area of more than120m2 shall be paid as 3%.
2.* * * Facility maintenance fund for the used parts * * *: 2% of the total house price.
3. Housing property registration fee: paid according to the 80 yuan price of each house.
4. Property Ownership Certificate: All property ownership certificates are in 4 yuan.
5. Stamp duty: 5 yuan per piece. These are the fees that need to be paid for buying commercial housing, but the fees that need to be paid for buying different houses are different and vary from person to person.
Question 9: What fees do I need to pay for the loan to buy a house? The new house (first-hand house) 1, 3, 5, 6, 7 belongs to the real estate management department when you apply for the property right certificate, and the developer collects it at most. Generally, you can apply for the title certificate 90 days after delivery. If you are short of money, you need not worry.
And these fees are collected by the state. You can consult the local real estate management department.
9.10,11,12. According to the current national house purchase regulations, this money cannot be collected from customers, so these items are included in the total house price in the commercial housing sales contract.
13 This belongs to the property when you decorate it after delivery. If you don't decorate it, you can leave it temporarily, but you can't force it.
2.4 These two expenses have never been heard of. Generally, new houses (first-hand houses) have never heard of being evaluated, and second-hand housing transactions are evaluated. This fee depends on how you negotiate with the property, and will not be paid until the house is handed over. The standard of property fees is also signed in the contract.
Question 10: What taxes and fees should be paid for the purchase of commercial housing by mortgage loan? The taxes to be paid are as follows:
(1) Taxes to be paid for the purchase of commercial housing: 1, deed tax, 3-5% of the total purchase price (different tax rates in different provinces, municipalities and autonomous regions), and half of ordinary commercial housing, that is, 1.5-2.5%. 2. Stamp duty, 0.05% of the total purchase price.
(2) Fund: 1, housing maintenance fund, accounting for 2-3% of the total purchase price, and 2% in most places; 2, non-staple food price adjustment fund, 2 yuan/square meter, some places are not used.
(3) Fee 1, the transaction fee is 0.5% of the total purchase price, and the buyer and the seller each pay 0.25% (residential 3 yuan /m2, paid by the developer, not paid by the buyer). 2. The real estate license fee varies from place to place, but it does not exceed 100 yuan. 3. The cost of land use certificate varies from place to place.
(4) In case of mortgage, the following expenses shall also be paid:
1, appraisal fee, 0.2-0.5% of the total purchase price.
2. Insurance premium: the total purchase price multiplied by the loan term multiplied by 0. 1% multiplied by 50%.
3. Notarization fee, the loan amount multiplied by 0.03%.
4. Mortgage registration fee, 100 yuan. 2. Taxes to be paid for second-hand houses: Both parties have to pay stamp duty. In the process of buying and selling second-hand houses, both buyers and sellers have to pay stamp duty, and the tax rate is 0.05% of the transaction price of real estate.