First, the second-hand housing down payment calculation formula
Second-hand house net down payment = actual transaction price-customer loan amount
Customer loan amount = appraised price of second-hand house ×80%
The down payment ratio of second-hand houses is not static. In the process of second-hand housing transaction, you can communicate with the seller about the down payment ratio of second-hand housing.
1. Usually, if the last one has no loan, or the next one is not allowed to cooperate with the loan repayment, the next one can apply for an 80% loan from the bank if the credit certificate is good, so the down payment only needs 20%.
2. If the last one has a loan and the percentage is high, the next one needs to cooperate to repay the loan. For security reasons, you can choose to take the fund supervision process and pay 30% down payment.
3. If the next family has the ability to pay all the expenses in one lump sum, they can agree to pay them in one lump sum when signing the contract, so there is no down payment problem.
Second, what fees should I pay for buying a second-hand house through an intermediary?
1. If the purchased second-hand house is over 2 years old and is the owner's only house, as long as the deed tax is paid, the charging standard is below 90m2 1%, between 90m2 and144m2 1.5%,144m2 and above 3.
2. If the purchased second-hand house is over 5 years old but the owner is not the only one, then in addition to the deed tax, a personal income tax of 1% will be paid.
3. If the purchased second-hand house is less than 5 years old, in addition to the deed tax, you need to pay 5.6% business tax and personal income tax, namely 1%.
4. Contract stamp duty: 0.05% of the house price.
5. Stamp duty on license: 5 yuan per household.
6. Property registration fee: 80 yuan for each household of general residential houses and 550 yuan for each household of non-residential houses. * * * Someone's certification fee is paid by 10 yuan.
7. Transaction cost: 0.35% of the house price for non-residential houses.
8. Agency fee: generally 2% of the transaction price is paid, and the standards vary from place to place.
Editor's summary: What is the down payment formula for second-hand houses? And what fees should I pay for buying a second-hand house through an intermediary? I believe everyone knows something after reading the article. I hope the above contents can give you some help and suggestions. For more information, please continue to follow us.