1. The evaluation price affects the loan amount and tax amount. Generally speaking, the higher the appraisal price of second-hand houses, the greater the loan amount and the less the down payment actually paid.
2. Evaluating the price will also affect the transaction tax. The payment of value-added tax, deed tax and individual tax shall be calculated by multiplying the assessed price by the corresponding proportion. The higher the evaluation price, the more tax will be paid.
In other words, low appraisal price means less taxes and fees, small loan amount and more down payment cash; A high appraisal price means that the tax paid is high, the loan amount is high, and the actual down payment can be less.
# The appraisal price of second-hand houses is mostly 80% of the market value, and the proportion of some older houses will be lower. According to the ratio of "the upper limit of loan is equal to 70% of the appraised price of second-hand houses", the maximum amount of second-hand house loans that buyers can actually obtain is equivalent to 56% of the transaction price of the whole house. Therefore, the down payment ratio of second-hand housing buyers will be greatly increased. Calculation method of second-hand house down payment: net down payment = actual transaction price-customer loan amount (net down payment: down payment excluding national taxes and intermediary service commission) = second-hand house evaluation price ×80% (the first loan amount can reach 80%). Second-hand house transfer tax: paid by the buyer 1, deed tax (paid by the buyer): 65,438% of the purchase price of ordinary houses. The first suite below 90 square meters is levied at 65438+ 0% of the purchase price; Non-ordinary houses or two or more houses are levied at 3-4% of the purchase price (ordinary houses should meet three conditions at the same time, and the plot ratio of residential buildings is below 1.0; The single building area is below 144 square meters; The actual transaction price is 1.44 times lower than the average transaction price of houses on the same level of land, and it is an ordinary house, otherwise it will be treated as an ordinary house. ); 2. Business tax (paid by the seller): 5.6% of the house price will be charged if the property ownership certificate has not been obtained for two years, 5.6% of the price difference will be charged if the property ownership certificate has been obtained for two years, and the ordinary residence will be exempted if it has been obtained for two years; The new policy is tax exemption for two years. 3. Individual income tax (paid by the seller): 1% or 20% of the transaction price difference; The only ordinary house is free of charge for five years. 4. Transaction cost: 6 yuan/m2, with each party paying half; 5. Registration fee: 80 yuan, paid by the buyer. 6. The house price must be determined by the appraisal agency designated by the local housing management department, and you need to pay an appraisal fee of several hundred yuan. 7. If you trade through an intermediary, you need to pay a certain intermediary fee. As the fees charged by various intermediary companies are different at present, it is necessary to consult relevant intermediary companies. # You should press the down payment of the second-hand house at the appraised price, right? For example, a house was valued at 6,543.8+0,000, and the actual transaction was 6,543.8+0.2 million. If the down payment is 30%, is it 300,000 down payment and 900,000 loan? Just do the math. At that time, the landlord bought this suite for 800,000 yuan, and he paid a down payment of 240,000,560 yuan. This is the original purchase price for tax purposes only. this is nothing to do with you. The higher the appraisal price, the better. In this case, your loan amount will be high, and # Bank will only give you a loan amount. If the appraiser is 1 10,000, you can get a loan of 700,000 according to the down payment of 70% of the loan, but your actual transaction price is1.20,000, which is equivalent to the bank only acknowledging that it has given the owner 700,000, so you need to give a down payment of 500,000. You got it? The high evaluation price can only be said that more loans can be made and the down payment is less. # Second-hand housing transfer loan needs assessment company assessment. The down payment is pure down payment+transfer fee+loan fee. This is far from the new house. I don't know how much the transfer loan is evaluated. I suggest you consult a local intermediary company. # The current appraisal value is generally lower than the transaction price, so you can pay tax according to the lowest appraisal value (if you are a loan or have the appraisal value appraised by a bank), which means you can pay less transaction tax appropriately. When a transaction occurs, the property invoice you get is also an evaluation value, not the actual transaction price. If you buy a house in full, you can transfer it according to the regional guidance price. Lower regional guidance price and lower transaction tax can save some money. But if you sell it within five years after buying it, if the customer who buys your house wants to get the highest loan, there will be a lot of taxes and fees, which may have a little impact on your selling price. Everything else is fine. The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!