Compared with second-hand houses, second-hand houses are generally more cost-effective, because second-hand houses are cheap and most of them are well decorated. Just carry a bag directly. If an individual buys the first suite, the tax on buying a new house is similar to that on buying a second-hand house. In addition, buying a new house requires the Jiaotong University Repair Fund, and second-hand houses are generally not needed. New houses also need natural gas account opening fees, while second-hand houses do not. Most new houses are rough houses, and it takes time and energy and a lot of money to decorate them. Most of the second-hand houses are decorated, so you can move in as long as you buy some furniture or repair it.

What is the interest rate of second-hand housing loan? What is the interest rate of second-hand housing loan? It is affected by the loan term. The interest rate for loans with a term of less than one year is 4.35%, for loans with a term of 1~5 years is 4.75%, and for loans with a term of more than five years is 4.9%, depending on whether commercial loans or provident fund loans are used. Provident fund loans are generally lower than commercial loans, and provident fund loans are generally used, with a loan interest rate of 4.

What fees do you need to pay for the sale of second-hand houses? The expenses to be paid for the sale of second-hand houses are: deed tax, with the tax rate of 3%~5%, and the specific tax rate is determined according to the nature and quantity of houses; The housing notarization fee is generally 3 ‰ of the transaction price; Personal income tax is levied at 1%, and only houses over five years are tax-free; Business tax is levied at 5.55% of the transaction price of the house, and it will be exempted after 5 years; Housing transaction fees, real estate license fees, etc.

The above is about the cost performance of new houses and second-hand houses. Which cost performance is high mainly depends on the individual's economic ability. If economic conditions permit, buying a new house is more cost-effective and the procedures are relatively simple.