When buying a second-hand house in Xiamen, we need to consider not only the factors such as house price and location, but also the transaction tax cost, which is a problem that cannot be ignored. This article will give you a detailed introduction to the tax cost and matters needing attention in the second-hand housing transaction in Xiamen.

1. stamp duty

Stamp duty is one of the biggest tax costs in second-hand housing transactions, and its tax rate is 1%. The calculation formula of stamp duty is: stamp duty = house transaction price × 1%. For example, if you buy a second-hand house of 2 million yuan, the stamp duty you need to pay is 20,000 yuan.

It should be noted that if it is the first time to buy the only house, and the housing area does not exceed 90 square meters, stamp duty can be exempted. In addition, if you buy affordable housing, low-rent housing or affordable housing, you can also enjoy the stamp duty reduction policy.

2. Deed tax

Deed tax refers to the transfer tax of housing ownership in second-hand housing transactions, and its tax rate is 1.5%. The calculation formula of deed tax is: deed tax = house transaction price × 1.5%. For example, to buy a second-hand house of 2 million yuan, the deed tax to be paid is 30,000 yuan.

It should be noted that those who purchase the only house for the first time and the housing area does not exceed 144 square meters can enjoy the deed tax reduction policy. In addition, if you buy affordable housing, low-rent housing or affordable housing, you can also enjoy the deed tax reduction policy.

3. Intermediary fee

Agency fee refers to the fee that buyers need to pay to the agency, which is generally 0% to 2% of the transaction price of 65438+ house. For example, if you buy a second-hand house of 2 million yuan, the agency fee you need to pay is 20,000 yuan to 40,000 yuan.

It should be noted that the agency fee can be negotiated, and the buyer can negotiate with the intermediary to reduce the agency fee.

4. Other expenses

In addition to the above three taxes and fees, property buyers also need to consider other expenses. Such as housing transfer fees, notary fees, assessment fees, etc. The specific amount of these expenses varies with the transaction price of the house, generally ranging from several thousand yuan to tens of thousands of yuan.

Matters needing attention

1. Buyers must find out the property rights of the house before the transaction to avoid losses.

2. Buyers must carefully read the terms of the contract before signing the purchase contract, especially the terms on the cost of taxes and fees.

3. Buyers must ask for invoices when paying taxes and fees, so as to protect their rights in the future.

4. Buyers should choose a reputable agency when choosing an intermediary agency, so as not to suffer from intermediary fraud.