1. The buyer chooses commercial loans to purchase more than two houses, with the minimum down payment ratio of 50% of the appraised house price and the maximum loan ratio of.
2. The buyer chooses provident fund loans to buy two houses, with the minimum down payment ratio of 40% of the appraised house price and the maximum loan ratio of 60%;
According to the different situations of both parties to the transaction, the details of taxes and fees for second-hand houses are as follows:
1. Deed tax:
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;
Second, the business tax:
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 5.55%;
3. If the building area exceeds 144 square meters and the real estate license has expired for 2 years, the difference shall be paid. The calculation formula is: (last purchase price-current sale price) * The tax rate is 5.55%;
Three. Personal income tax:
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 property is not the only property under the name of the seller's husband and wife or the real estate license is less than 5 years, it shall be paid according to 1%;
Fourth, other expenses are relatively small:
Transaction cost: 6 yuan/square * number of rooms;
Production cost: one certificate of 80 yuan; * * * 20 yuan/copy of ownership certificate;
Appraisal fee: 0.5% of the total appraisal amount (bank loan is required);
Mortgage fee: 100 yuan (bank loan needs to be repaid);
Proof of purchase: one copy for 20 yuan, generally three copies are required;
Standard of notarization fee: 300 yuan (if you can't handle it in person, you need to handle this business fee).