Under the new policy, the tax rate of deed tax on second-hand housing transactions is different between buyers and sellers.

Seller: Houses less than two years old (whether residential or not) are taxed at 6.6%; For two years but less than five years (whether residential or not), you need to pay 1% tax; If you have lived for five years, you will pay the tax of 1% after five years (non-residence).

Buyer: The property demand of less than 90 square meters 1% is subject to tax; Property with a building area of more than 90 square meters is subject to 1.5% tax; If you buy a property (non-residential) of more than 90 square meters, you need to pay 2% tax.

What taxes should I pay for second-hand houses?

1, deed tax. Generally paid by the buyer, both parties can agree on their own;

2. Business tax. Generally paid by the seller, unless otherwise agreed by both parties;

3. Personal income tax. Generally paid by the seller, unless otherwise agreed by both parties;

4. value-added tax. Property ownership certificate or deed tax payment certificate shall be exempted for 2 years, and less than 2 years shall be paid at 5% of the total transaction price;

5. Stamp duty. Pay 0.05% of the total transaction amount of the second-hand house buyer and seller.

How to choose a second-hand house

1, see a lot

Many people are willing to buy second-hand houses, mainly because they see that the lots where second-hand houses are located are mostly good and the surrounding facilities are relatively complete. However, when buyers choose second-hand houses, they still have to look at whether the location where the second-hand houses are located is suitable for their own living. For pure investment buyers, they should choose to buy a house in the central business district. For property buyers who live first and then invest, there is no need to get together in several circles. In addition, considering the problem of children going to kindergarten and school, priority should be given to the house in the university area or the area with better educational conditions.

2. Look at the apartment type

Second-hand houses are mostly decorated houses, and it is a difficult problem to see the apartment type of the house. If there are defects in the second-hand housing units, it is easy to be covered up by housing decoration. Nowadays, many second-hand houses are the product of the era of unit welfare housing distribution, with unreasonable huxing, poor ventilation and lighting or serious waste of indoor space. Such a house may be tens of thousands of yuan cheaper when it is purchased, but if it is uncomfortable to live and rent, it will not get a good price.

Step 3 look at the quality

If it is not a second-hand house with a relatively small age in the last two years, most second-hand houses may have some housing quality problems after living for a period of time. Housing quality is a very important evaluation factor when buying a house. Compared with new houses, second-hand houses need to pay more attention to whether the main structure is damaged, whether the pipes are aging, and how the bathrooms and kitchens are waterproof and fireproof. These are all quality problems that need to be understood.

What are the benefits of buying a second-hand house?

1. Existing houses for sale.

The biggest difference between a second-hand house and a new house is that the second-hand house is an existing house, that is, you can buy and live, you can see and feel it, and the existing house is sold now, so the quality is more guaranteed.

2. The location is good

Due to the rapid development of the city, new buildings have been expanded and built in the city, usually only in places far away from the city center, and even the surrounding roads are not smooth. Second-hand houses were built earlier, and most of them are located in the city center, in the bustling business district or the old city, occupying a better geographical position and traffic location. Compared with the new houses developed in the suburbs of the city, the second-hand houses occupy a great advantage.

3. The surrounding facilities are mature and perfect.

A new community is mostly on the edge of the city. It takes several years from the beginning to become a mature community, and the supporting facilities are generally imperfect, which is not very convenient for life and travel. After years of development, the biggest advantage of second-hand houses is that most of them will be located in the city center. The surrounding facilities are very complete, such as transportation, banks, schools, hospitals, shopping malls, restaurants and so on.

4. Check-in is fast and the risk of buying a house is low.

The disadvantage of buying a new house is that you can't move in in time. During this period, property buyers may have a lot of economic expenses due to the mortgage, decoration fees, rent, etc. During this period, and the biggest risk is that it will be unfinished. The second-hand house is really there, avoiding the problem of unfinished business. As long as the decoration is not too old, you can usually carry a bag directly. This can save a lot of "extra expenses".

The quality of second-hand houses is obvious.

The quality of second-hand houses is obvious. After all, people have lived there for some time. Many problems are relatively "transparent", and you can know the quality of the decoration at a glance. Water leakage, wall quality, lighting and ventilation, sound insulation effect and other issues can be well understood.