Many people buy second-hand houses by means of loans. Then, when can I get the real estate license for buying second-hand houses by loans? How to calculate the taxes and fees of second-hand house sellers? What are the precautions for buying a second-hand house? Let's take a look at it with Xiaobian.
1. When can I get the real estate license for buying a second-hand house with a loan?
Generally, I can get the real estate license for buying a second-hand house with a loan after 7-15 working days. In the process of buying a second-hand house, I should pay attention to verifying the basic situation of the house, whether the property right is clear, whether the liability for breach of contract is clear and powerful, and whether the seller's account has moved out.
2. How to calculate the taxes and fees of the second-hand house sellers
1. The calculation formula of personal income tax
is (the total amount of second-hand house transactions-the seller's purchase price) x2%, or the total amount of second-hand house transactions x1%.
others: those who have lived for five years or more are exempt from personal income tax.
2. Business tax
Calculation formula: the total transaction amount of second-hand houses is x5%.
others: residence for 2 years or more is exempt from business tax.
3. Some houses need to pay land tax.
If the residential house is over 3 years old, the land tax will be halved;
Houses that have reached the age of 5 years or more are exempt from land tax.
4. Handling fee for second-hand housing transactions
Calculation method: 3 yuan/_, and 2.5 yuan/_ in some areas.
calculation formula: building area x2.5 yuan/_.
III. What are the precautions for buying a second-hand house
1. Appraisal price and maximum loan amount
The maximum loan amount of a second-hand house: (contract price-appraisal price) × loan percentage.
2. Year of completion and loan period
Principle: house age+loan year ≤3 years.
3. Selection of loan banks
Considering the number of outlets of each bank, the convenience of repayment, salary payment and other comprehensive factors.
4. Selection of repayment method
Equal principal and interest: suitable for teachers, civil servants and other wage earners with stable income;
average capital: It is suitable for people with strong financial ability.
5. Income certificate and repayment ability
Work and income status certificate issued by the unit.
Xiao Bian's summary: When can I get the real estate license for buying a second-hand house with a loan, how to calculate the taxes and fees of the second-hand house seller and what are the precautions for buying a second-hand house? Xiao Bian will simply introduce it here, hoping to help everyone. If you need to know more, please continue to pay attention to Qijia. com.
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