1. The agency commission
is mainly negotiated, about 1% to 3%.
2. Mortgage loan fees
When mortgage is involved, the service fees of mortgage companies, appraisal companies, banks and other related institutions need to be paid. Mortgage loan fees mainly include:
loan service fee: 1,5 yuan per mortgage service fee
house appraisal fee:
the appraisal value is less than 2 million (including 2 million), and the appraisal fee is charged in 5 yuan;
if the appraisal value is more than 2 million, the appraisal fee will be charged as a single charge: appraisal price × .4%;
the appraisal fee is collected by the appraisal company (in case of special circumstances, it shall be subject to the actual fees charged by the appraisal company or bank)
3. The transaction tax of second-hand houses
The transaction tax is directly collected by the Land and Resources Bureau, and the buyer and the seller respectively pay the corresponding taxes according to the regulations. Transaction taxes mainly include:
(1) value-added tax:
for two years: ordinary residence: (exempt); Non-ordinary: (transfer price-original registration price) /1.5x5.%
Less than two years: transfer price /1.5x5.% (seller)
Additional cost of value-added tax: value-added tax ×12% (seller)
(2) deed tax:
First set: ≤9_ (. > 9 _ (transfer price-VAT) x 1.5%;
two sets: (transfer price-value-added tax) x3% (buyer)
(3) individual income tax:
single house over five years: exempt
approved: ordinary house: (transfer price-value-added tax) x1%; Non-ordinary residence: (transfer price-value-added tax) x1.5%
Approved: (transfer price-registration price-value-added tax) x2% (seller)
Illustration
Example 1: Xiao A bought an 89m_ ordinary residence in Longhua through an intermediary company. How much transaction tax does he have to pay when he sells the house for five years?
Commission: 3 million * 2% = 6, deed tax: 3 million * 1% = 1,
Personal income: Exemption from value-added tax: Exemption from
Example 2: Xiao C bought a luxury house in Nanshan with an original registration price of 18 million and a transaction price of 28 million yuan. How much does Xiao C have to pay?
commission: 28 million * 1% = 28,
value-added tax: 28/1.5 * 5% = 1.333 million
personal income tax: (28-133.33) * 1.5% = 4,
deed tax: (28) 1% = 28,
value-added tax: (28-18)/1.5 * 5% = 476,2
personal income tax: (28-47.62) * 1.5% = 412,9
deed tax: (28-47.66)