If the second-hand house is compared with the first-hand house, in fact, the second-hand house is an existing house, which can save the decoration cost. However, there are some taxes and fees in second-hand housing transactions, so it is very common to arrange these taxes and fees reasonably. There are many ways of second-hand housing loans, and many people are looking for which kind of loans is good. Next, let's learn about the taxes and fees of second-hand housing transactions in Changsha. What kind of loan is good for second-hand houses?

Changsha second-hand housing transaction tax?

First of all, the buyer should pay taxes.

1, the deed tax is more than 44 square meters, and the first suite can be paid 1%)

2. Stamp duty: How to calculate the stamp duty of 0.05% of the house payment?

3. Transaction cost: 3 yuan/m2.

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

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

Second, the seller has to pay taxes.

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).

3 transfer of taxes and fees payable by commercial auction houses.

Deed tax;

2. Handling fee: transaction fee of 5 yuan/_, registration fee of 550 yuan/set;

3. Stamp duty of 0.5 ‰ of the total transaction price;

4. Land value-added tax with a difference of 30%-60%;

5. 5.55% business tax and additional difference;

six

What kind of loan is good for second-hand houses?

1, provident fund loan

Provident fund loan is a kind of loan method that most buyers like very much now. The loan is based on the public housing provident fund, and the main body of the loan is the housing provident fund center. Housing provident fund loans have the nature of policy subsidies, which are lower than the loan interest rates of commercial banks in the same period. However, provident fund loans also have some shortcomings, that is, handling provident fund loans requires the approval of multiple institutions and the whole process.

2. Commercial loans

At present, commercial loans generally require that there is enough deposit balance in the loan bank as collateral or pledge, or units or individuals with sufficient compensatory ability can serve as guarantors to repay the principal and interest of the loan and bear joint and several liabilities, and can apply for bank mortgage loans.

3. Portfolio loan

Portfolio loan actually refers to the combination of provident fund and commercial loan. Under normal circumstances, housing provident fund loans are limited. If the loan amount required for house purchase exceeds this limit, the insufficient part needs to apply to the bank for commercial housing loan. The interest rate of portfolio loan is moderate, and the loan amount is large, which many buyers will choose.

What kind of loan is good for second-hand houses? Second-hand housing loans are still relatively common, and you can choose commercial loans, provident fund loans, housing mortgages and so on. Different loan methods have different benefits. You can choose the appropriate second-hand housing loan method according to your own situation. Changsha second-hand housing transaction tax is quite understandable, as long as it is made clear before the second-hand housing transaction, it is generally no problem.

Second, the second-hand housing transaction tax and loan application

Seller's expenses: individual tax: appraisal price of Housing Authority 1%, transaction fee: 3 yuan/ping, business tax (paid less than 5 years ago): 5.55% of the value-added part of the house (appraisal price of Housing Authority-original value of the house).

Buyer: Deed tax: appraisal price of Housing Authority 1.5% or 3%, transaction fee of 3 yuan/m2 and production fee of 90 yuan.

Remarks: When paying fees, you can generally declare the original value of the house. So you can use your original value to calculate it yourself according to the above formula. Of course, the cost varies from region to region, but it is basically the same and similar. You can talk to an intermediary about the agency fee. For your reference only! ! !

Third, the process and cost of buying second-hand houses.

I. The specific process of second-hand housing transaction is as follows:

1. The buyer and the seller establish information communication channels to understand the relevant situation. If the meaning is consistent, sign a house sales contract.

2. The buyer and the seller shall bring ID cards, household registration books, sales contracts, real estate licenses and other materials to the real estate transaction management department for review.

3, the management department to check the relevant documents, review the property rights, to meet the listing conditions of the housing transfer procedures.

4. The buyer shall apply to the issuing department for a new house ownership certificate with the Notice of Obtaining House Ownership Certificate.

Second, about the expenses that the parties need to pay:

1, deed tax: 1% for ordinary houses below 90 square meters and1.5% for houses above 90 square meters; Non-ordinary residential 3%; Property right of commercial house or company is 3%.

2. Business tax: the property right of the house is exempted for five years, and 5.5% of the house price is paid for less than five years.

3. Land value-added tax: the property right of the house is exempted for five years, and it is paid at 1% of the house price for less than five years.

4. Income tax: the property right of the house is exempted for five years, and the house price 1% or 20% of the difference between the original value and the present value of the house is paid for less than five years.

5. House transaction fee: paid according to the construction area of 6 yuan/m2.

6. Housing property registration fee: 80 yuan. (For details, please refer to local departmental regulations.)

Legal basis: Article 266 of the Civil Code? Private individuals enjoy ownership of their legitimate income, houses, daily necessities, production tools, raw materials and other real estate and movable property.

4. What are the procedures and expenses for the transfer of second-hand houses?

Second-hand housing transfer procedures are divided into two situations: the buyer's mortgage loan payment and the buyer's full purchase. The specific transfer process is as follows:

First, the buyer mortgage loan to buy a house

1. Bank credit (go to the People's Bank to check the buyer's credit);

2, housing property survey (survey whether the property is mortgaged, sealed, property analysis, inheritance, * * owners);

3. Pay the down payment to the seller and reserve the balance of the house payment;

4. When the house is transferred, the bank will review the loan conditions;

5. The bank issues loans to the seller's account;

6. Both parties jointly deliver the property (water, electricity, gas, heating and property fees, and the original owner's account must be moved out);

7. Pay the final payment to the seller.

Second, the buyer buys the house in full.

1, property right survey (to investigate whether the property is mortgaged, sealed up, analyzed, inherited and owned by * * *);

2. The buyer pays the down payment to the seller;

3. Both parties shall handle the house transfer together;

4. Both parties jointly deliver the property (water, electricity, gas, heating and property fees, and the original owner's account must be moved out);

5. The buyer shall pay the seller in full.

According to the different situations of both parties to the transaction, the details of taxes and fees for second-hand housing transfer are as follows:

1. deed tax: (generally paid by the buyer, unless otherwise agreed by both parties)

Where the area is less than 65,438+0.90 m2, the Buyer shall pay1.0%;

2. The buyer pays1.5% for the first purchase of a property of more than 90 square meters;

3. The buyer pays 2% for the purchase of two houses with an area of more than 90 square meters;

2. VAT: (generally paid by the seller, unless otherwise agreed by both parties)

1, residential property with real estate license of 2 years is exempt from VAT;

2. The value-added tax is paid at 5.6% for houses with real estate license less than 2 years;

Three. Personal income tax: (generally paid by the seller, unless otherwise agreed by both parties)

1. The real estate license is over five years, and it is the only property under the name of the seller's husband and wife, and it is exempt from personal income tax;

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, and the original value of the house cannot be calculated, it shall be paid at 1%; If the difference can be calculated, it shall be paid at the tax rate of (the invoice amount of the last purchase price-the invoice amount of this sale price) × 20%;

Fourth, other expenses are relatively small:

Transaction cost: 6 yuan/square× number of rooms (50% for both parties to the transaction);

Cost of real estate license: one certificate of 80 yuan; * * * 20 yuan with property right certificate (to be borne by the buyer);

Appraisal fee: 0.5% of the total appraisal amount (bank loan needs to be paid by the buyer);

Mortgage fee: 100 yuan (bank loan needs to be paid by the buyer);

Proof of purchase: one copy for 20 yuan, generally three copies are required (to be borne by the buyer);

Standard of notarization fee: 300 yuan (if you can't handle it in person, you need to handle this business fee).

Land value-added tax: (generally borne by the seller, unless otherwise agreed by both parties)

1, ordinary houses are exempted;

Non-ordinary housing within 2.3 years: total house transaction amount × 0.5%; 3 to 5 years: the total house transaction amount × 0.25%; 5 years or more: tax-free.

Personal income tax and shops are paid according to the difference, and the calculation formula is: (the invoice amount of the last purchase price-the invoice amount of this sale price) × the tax rate is 20%;

Business tax: the shop pays the difference, and the calculation formula is: (last purchase price-current selling price) the tax rate is 5.55%;

Deed tax: 3.0% for the non-ordinary house (commercial house) purchased by the Buyer;

Land transfer fee:

I. Housing reform

1. If the land is for sale, there is no need to pay the land transfer fee.

2. The land nature of the house is allocated, and the land transfer fee payable is 65438+ 0% of the appraised house price.

Second, affordable housing.

1, the real estate license cannot be put on the market for sale within five years.

2. If the real estate license is more than five years, the land transfer fee shall be paid at 5% of the appraised house price.

Third, commercial housing.

1. The land of the commercial house is for sale, and no land transfer fee is required.

2. The nature of the land is 40% of the allocated land appraisal price (3% of the land appraisal price and the new land certificate fee 120 yuan are also required for the transfer of commercial housing).

Fourth, others.

In the name of the seller, there are two sets of welfare housing (affordable housing and housing reform housing belong to welfare housing), one of which is sold: if the land nature of the two suites is allocated, 40% of the land evaluation price will be paid, and the land nature is exempted from transfer, and one set will be allocated and the other set will be transferred normally. (Two sets of affordable housing cannot be transferred)

1. Inheritance is based on 1% of the house price.

2. The gift is 2% of the house price.