When we buy second-hand houses, although they are cheaper, it will be more troublesome when we go through the procedures. However, second-hand houses also have many good features, so many people prefer second-hand houses. House, but there are also some questions that make us confused, that is, how much are the real estate transaction taxes, and what are the fees to be paid when taking out a loan? Today we will take a look at Qingdao real estate transaction taxes? Loan fees?

Qingdao real estate transaction taxes

We all know that compared with general commercial housing transactions, the procedures for second-hand housing transactions are more troublesome. But there are many good things about second-hand houses, and many people like to buy second-hand houses.

1. Transaction deed tax

In the process of buying a house, the deed tax should be paid by the buyer, and the tax proportion is:

1. Ordinary residences should be paid for the transaction The deed tax is 1.5% of the price or appraised value.

Our city stipulates that any house that meets the requirements of a single building area of ??less than 120 square meters and a residential area floor area ratio of more than 1.0 is an ordinary residence. The building area of ??a single unit is based on the registration information of the real estate registration department, and the building floor area ratio of the residential area is provided by the planning department. (Building floor area ratio refers to the ratio of the total building area to the land area of ??a community).

2. Non-ordinary residences should pay a deed tax of 3% of the transaction price or appraised price.

Non-ordinary residences include branch houses, commercial buildings, villas, high-end apartments, office buildings and other residences with an area exceeding 120 square meters. Among them, outlets, commercial buildings, villas, high-end apartments, and office buildings are regarded as non-ordinary residences regardless of their area, as long as the property certificate indicates its use.

2. Land Income Fee

Qingdao City stipulates that when a purchased public house is put on the market, a land income fee of 1% of the transaction price must be paid. According to regulations, the land income fee shall be paid by the seller. For example, for a house with a transaction price of 300,000 yuan, the land income fee is 3,000 yuan.

3. Business tax

According to the new regulations, after June 1, 2005, if an individual in this city transfers a house purchased less than 2 years ago and sells it to other parties, the full amount of business tax must be levied. is 5.5%. Individuals who transfer housing purchased more than 2 years ago (including 2 years) and that meet the city's ordinary housing standards are exempt from business tax. If an individual transfers a non-ordinary house purchased for more than 2 years (including 2 years), the business tax shall be paid based on the balance of the house sales income minus the original purchase price of the house.

Examples:

1. Transfer an ordinary residence within two years of purchase. The purchase price at that time was 300,000 yuan, and the current transfer price is 500,000 yuan.

The full business tax is 5.5% 500,000 x 5.5% = 27,500

2. Transfer a non-ordinary residence after purchasing it for more than two years. The price is 400,000 yuan, and the current transfer price is 600,000 yuan.

The difference in business tax is 5.5% (60-40) x 5.5% = 11,000

IV. Personal income tax

Specific assessment and collection Rate: In addition to the exemption from personal income tax according to the provisions of the State Administration of Taxation, the first sale of six types of housing including public housing, housing for poverty alleviation projects, housing construction with funds, housing for housing projects, affordable housing and demolition resettlement housing for individuals For income, the assessed tax rate for personal income tax is not less than 1%; for other income tax, the assessed tax rate is not less than 2%. In addition, income derived from the transfer of a house that has been used by an individual for more than five years and is the only living room of the family (both husband and wife) is exempt from personal income tax.

For residences deemed to have been occupied for more than 5 years, the date of issuance of the real estate certificate or the date of deed tax payment shall prevail. If the two certificates for a purchased public house are combined into one, the date of the old certificate for the public house should be used as the date of issuance, except in the case of inheritance, change, or gift.

For donated real estate or inherited real estate that is transferred again, a personal income tax of 20% of the difference should be levied. The difference is calculated by subtracting the original value of the house from the transaction price or appraisal price. The original value of the house is calculated by Confirmed by local tax department.

Loan fees

1. First of all, most of them are taxes. For example, business tax is stipulated that the general business tax rate is 5.6% and is paid by the seller; there is also personal income tax, which is 1% of the total amount of second-hand housing transactions or 20% of the difference between the two transactions, and is paid by the seller. There are also deed taxes and so on.

2. Agency fees. There are no relevant unified regulations on intermediary service fees in our country, so the charging standards are based on industry habits. Therefore, uneven charging will inevitably occur.

3. Consulting fee. We can consult with an agency first, but consultation also requires payment. If it is a verbal consultation, the fee will be calculated based on the consultation time and depth of consultation.

4. Other expenses.

The above content contains all the knowledge about Qingdao real estate transaction taxes and loan fees. I hope it can be helpful to everyone. When we take out a loan to buy a house, we need some fees, which can help bring convenience to some home buyers. Moreover, when trading second-hand houses, we also have to pay taxes and fees, etc. We must understand them clearly to be able to make better transactions.