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What fees do you need to pay for second-hand housing loans?
Buying a second-hand house by mortgage, compared with buying a second-hand house in full, needs to bear an additional five thousandths of the evaluation fee. Other taxes and fees are the same as buying a second-hand house in full. According to various factors, the details of specific taxes and fees are as follows (unless otherwise agreed by both parties, the business tax and personal income tax shall be borne by the seller):

1. Deed tax:

1, the first purchase of a property less than 90 square meters shall be paid according to 1%;

2. For the first-time purchase of a property of more than 90 square meters (including 90 square meters) but less than 144 square meters, the payment shall be made at 1.5%;

3. Pay 3% in the following cases:

(1) 144 square meters or more;

(2) It is not the first time to buy a house;

(3) garage;

(4) Very unusual

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

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 5.5%;

3. If the house 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) * tax rate 5.5%=

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

1. The only property under the name of the seller's husband and wife is exempt from personal income tax after the property ownership certificate has reached five years.

2. The only property or real estate license under the name of the seller's husband and wife is less than 5 years, and 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; Two certificates 90

Appraisal fee: 0.5% of the total appraisal amount (bank loan appraisal).

Mortgage fee: 100 yuan

Proof of purchase: 20 yuan generally needs to open 3 copies.

Verb (abbreviation of verb) notarization fee: 300 yuan entrusts notarization.

The price comes from the internet, for reference only!