According to the provisions of the Stamp Tax Law of People's Republic of China (PRC), the scope of stamp duty includes all kinds of contracts or documents with contractual nature. Including purchase and sale, processing contracts, construction contracts, property leasing, cargo transportation, warehousing, loans, property insurance, technology contracts or other documents with contractual nature. Documents with contractual nature refer to agreements, contracts, contracts, documents, confirmations and other documents of various names. Because we have to sign a contract with a bank or other financial institution to make a personal loan, we need to pay a certain stamp duty (about three ten thousandths), so we don't have to pay other taxes.

Extended data:

1. Personal loan:

Personal loan, also known as retail loan business, is an important loan business of Galaxy Company and financial institutions. Personal loans mainly refer to loans issued by banks or financial institutions to eligible customers for personal consumption, production and operation. When applying for a loan, banks and financial institutions will examine the borrower's loan qualification and ask the lender to provide a guarantee and act as a guarantor. If the borrower fails to repay the loan at maturity, the bank or financial institution may dispose of the borrower's collateral or ask the guarantor to repay it according to law.

2. Stamp duty:

Stamp duty is a kind of tax levied on the behavior of signing books and collecting legally effective certificates in economic activities and economic exchanges. It is named because it uses the seal attached to the taxable certificate as a tax payment symbol. Stamp tax law is the general name of legal norms regulating the relationship between stamp duty collection and payment. As long as the units or individuals listed in the Provisional Regulations on Stamp Duty subscribe and accept in China, they are regarded as stamp duty taxpayers. Among these taxpayers, stamp duty taxpayers can be divided into undertakers, notaries, bookkeepers, recipients and users according to the differences in binding and collecting taxable documents. Stamp duty has 13 tax items according to different voucher types. Including purchase and sale contracts, processing contracts, construction engineering survey and design contracts, construction and installation engineering contracts, property lease contracts, cargo transportation contracts, warehousing contracts, loan contracts, property insurance contracts, technology contracts, property transfer documents, business account books, rights and licenses. In addition, there are two forms of stamp duty, namely fixed tax rate and proportional tax rate.