Legal analysis: generally 4.9%. Second-hand housing loans are generally handled through intermediaries, and users only need to prepare the corresponding materials. When applying for a loan, they usually complete the loan approval work within one month, and sign a formal loan contract with the buyers after agreeing to lend money. Then the intermediary will complete the subsequent transfer work. There is also whether the property is mortgaged, which is the most basic requirement for buying second-hand houses.

Legal basis: Article 3 of the Provisional Regulations on the Administration of Tax Collection in People's Republic of China (PRC) is calculated and paid according to the residual value after deducting 10% to 30% from the original value of the property. The specific scope of relief shall be stipulated by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government. If there is no original value of real estate as the basis, it shall be verified by the tax authorities where the real estate is located with reference to similar real estate. If the real estate is leased, the rental income of the real estate shall be the tax basis of the property tax. Article 4 If the property tax rate is calculated and paid according to the residual value of the property, the tax rate is1.2%; If it is paid according to the rental income of real estate, the tax rate is 12%.