1. The taxes that need to be paid for the second suite of a new house are: deed tax 3; stamp tax 0.05; there is no value-added tax and personal income tax for new houses.

2. The taxes that need to be paid for second-hand houses and second suites: deed tax 3; value-added tax is exempted if the real estate certificate or deed tax payment certificate is more than 2 years old. If it is less than 2 years old, the full amount will be paid based on the total transaction price 5 ; Individual income tax is exempted if the real estate certificate or deed tax payment certificate is more than 5 years old and is the only residence in the province; if it is less than 5 years or the only residence in the province is not the only residence for 5 years, the difference will be 20; the stamp tax is 0.05.

How much is the down payment for a second home?

The state has relevant regulations on the down payment ratio for second homes. Generally, the down payment ratio for second homes is required to be no less than 40%. However, some cities have made appropriate adjustments to their requirements in this regard, such as the Notice on Differentiated Policies for Personal Loans of the Beijing Housing Provident Fund, which requires the strict implementation of the "Notice on Regulating the Standards for the Recognition of Second Homes in Commercial Personal Housing Loans." Fang [2010] No. 83). When a borrower applies for a loan to purchase a second home, the loan down payment ratio must be no less than 70%.

What should I pay attention to when buying a second house?

1. Pay attention to the down payment ratio

Many friends who are preparing to buy a house with a loan said that calculating the down payment ratio of the house Difficult, indeed, the down payment that a home buyer needs to prepare varies depending on the buyer's situation and the house he or she is buying. Different cities have different down payment ratios for mortgage loans. Except for some cities with purchase restrictions that increase the down payment ratio, most cities require 30% of the down payment. However, it is different when buying a second home. The down payment ratio for the second home has been increased accordingly. This is something home buyers also need to pay special attention to.

2. Pay attention to loan methods

There are currently three main ways to buy a house with loans, and provident fund loans are what most home buyers are more concerned about. For using provident fund loans to buy a second home, There are also some things you should keep in mind. If the borrower uses a provident fund loan to purchase his first home, he cannot apply for a provident fund loan to purchase a second home if the loan has not been repaid; if the first home is purchased with a commercial loan and is being purchased, If you are getting a mortgage, you can use a provident fund loan to buy a second home.

3. Pay attention to preparations before buying a house

Since you are buying a second house, you should understand what you should look for when buying a second house. Not only should you consider the price, but also the price of the house. The living environment should be paid more attention to. A good living environment is inseparable from property management. Home buyers should first carefully choose a property project. Before buying a home, home buyers should have some basic understanding of the property project you choose. It is best to choose only developers. Real estate, the services of these real estate companies are not bad.