Yes, if you buy it yourself, the amount of provident fund loan is 500 thousand. The use of provident fund loans will not generate taxes and fees. I bought a second-hand house with my own provident fund, which is very clear. In this process, you only need to pay three kinds of taxes, and you must pay them at the time of transfer, including local tax, deed tax (preferential for the first suite) and transaction tax. Now pure provident fund loans are more popular with sellers than commercial loans, because provident fund loans are faster. But if you buy it at the end of the year, I suggest you pay attention when signing the contract, and the loan time will be negotiated for a long time. After all, the provident fund center may have a small balance at the end of the year and its speed is slow.

These are all taxes and fees, and the situation varies from place to place.

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, 2-3% of the total purchase price, and 2% in most places (I bought it in Guangzhou, so I didn't pay this).

2, non-staple food price adjustment (community network forum) board fund, 2 yuan/square meter, some places do not need it.

(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.

Generally speaking, the taxes and fees to be paid for new houses are:

Deed tax: 65438+ 0.5% of the house price; /kloc-3% for non-ordinary houses over 0/44 square meters; The deed tax of villas in the central city (including single and conjoined buildings) is levied at 4%; The contract for an individual to purchase an ordinary house of 90 square meters or less for the first time is levied at 1%.

Housing maintenance fund: 2% of the house price, and non-residential maintenance fund shall be deposited according to the standard of 1%.

Housing registration fee: residential 80 yuan/set; Non-residential 550 yuan/piece.

Stamp Duty on License: 5 yuan/Ben.

Cost: 10 yuan/copy.