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1. What taxes do you have to pay when you buy a new house?
1.Deed tax: 90 square meters or less of ordinary housing, and the housing belongs to the only family housing, the deed tax is levied at a reduced rate of 1%, 90 144 square meters of ordinary housing, more than 144 square meters of 3%, non-residential 3%.
Usually, the deed tax is paid along with the down payment, and the developer collects it on behalf of the developer. Pay the relevant fees, and the developer will issue an official invoice for the purchase of the house;
2.Stamp duty: It is paid directly at the time of signing the contract, and the total house payment is generally paid together with the down payment, so as to facilitate the developer to handle the contract registration and real estate certificate in a unified manner;
3.Bank mortgage fees: If you apply for a mortgage loan, the second set of fees to be paid when signing the contract is the bank mortgage fee, and the charging items of commercial loans are slightly different from bank to bank;
a.Mortgage registration fee: 80 yuan for households.
b.Stamp duty on warrants: 5 yuan per household.
c.Insurance premium: property insurance premium = total housing payment annual rate years coefficient. The insurance premium is paid in one go. (The premium rate is roughly 1 5 years, 6 10 years, 11 15 years, and 16 20 years.)
More than 20 years.
4.Overhaul**: 2%-3% of the purchase price is for the maintenance of public facilities and common equipment (involving common parts of the house such as exterior walls, roofs, sewers, water pipes, etc.). The fees implemented are:
a.Without elevator: 2% of total room price
b.With elevator: 3% of total room price
c.Some pilot real estate projects are charged at 50 60 yuan m2.
After the developer or property management company has to open an account with a bank designated by the local housing authority, the buyer can deposit it by himself. Generally speaking, when the buyer receives the keys and checks in, the developer will collect the house maintenance funds;
5.Property management fee: calculated from the date of receipt of the house and calculated from the date of acceptance of the house by the buyer.
If the purchaser does not take possession of the property without justifiable reasons after the developer issues the notice of occupancy, the property management fee can be calculated from one month after the notice of occupancy is issued. Generally, it is paid for three months in advance;
Property management fees shall be paid for houses that have not been lived in by the property owner for a long time or vacant houses that have not been sold by the developer;
6.Ownership registration fee: 80 yuan set, the ownership registration fee is the cost of handling the real estate certificate;
7.Transaction fee: residential floor area x3 yuan; Non-residential floor area x11 yuan;
Tip: What taxes do I have to pay when buying a new house? At present, there are five main fees that Chinese buyers need to pay to buy a new house, including deed tax, house maintenance**, property management fee, ownership registration fee and transaction fee.
It is advisable for home buyers to understand how these five taxes are calculated in advance before paying them.
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How much is the inheritance tax always when I have a set?
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Hello, after querying and simple calculation: below 90, the first set is 1%; 90 or above, the first set is; 144 or less, the first set is 3%; Two sets of 3%. Local ** regulations are different, and the payment of property deed tax is also different, please check the payment standard of the local land bureau for details:
The local regulations are as follows, only suitable for the calculation of real estate in Guangdong), and the deed tax of less than 90 square meters (excluding 90 square meters) is 1%. 90 square meters and less than 144 square meters (including 90 square meters, excluding 144 square meters) deed tax. More than 144 square meters (including 144 square meters) deed tax 3%.
3% for the nature of the property for villa or commercial use. The plot ratio of the community is less than that of non-ordinary residential buildings) or exceeds the average liquid price in Xi'an, and 3% shall be paid.
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Legal analysis: how much tax should be paid for a house of 129 square meters The existing policy stipulates that the deed tax of the first commercial house of the family is more than 90 square meters, if it is a second house, the deed tax of more than 90 square meters is 2%, and the deed tax of three sets and more than three sets is 3%. If you buy a commercial house, the deed tax is 3% regardless of the area and number of units.
Legal basis: Article 4 of the Deed Tax Law of the People's Republic of China The tax basis of deed tax:
1) The transfer of land use rights, the sale and purchase of houses, and the transaction determined by the contract for the transfer of land and housing ownership, including the price corresponding to the currency to be delivered and the goods in kind and other economic benefits;
2) The exchange of land use rights and houses is the difference between the land use rights and houses exchanged;
3) The donation of land use rights, housing gifts and other acts of transferring land and housing ownership without ** shall be approved by the tax authorities in accordance with the law with reference to the land use right and the market for housing sales.
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Deed tax payable = total purchase price (1+9%) The tax rate specified in the following documents.
Finance and Taxation 2016 No. 23 document.
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Deed tax policy. (1) For individuals who purchase the only house of the family (the scope of family members includes the buyer, spouse and minor children, the same below), with an area of 90 square meters or less, the deed tax shall be levied at a reduced rate of 1%; If the area is more than 90 square meters, the deed tax shall be levied at a reduced rate.
2) For individuals who purchase a second set of improved housing for a family with an area of 90 square meters or less, the deed tax shall be levied at a reduced rate of 1%; If the area is more than 90 square meters, the deed tax shall be levied at a reduced rate of 2%.
A second improved home for a family is a second home for a family that already owns a home and buys it.
Policy basis: Notice of the Ministry of Finance, the State Administration of Taxation and the Ministry of Housing and Urban-Rural Development on Adjusting the Preferential Policies for Deed Tax and Business Tax in Real Estate Transactions (CS 2016 No. 23):
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Legal analysis: The deed tax of the first house is divided into three levels of 1% and 3%, and each city is divided according to the area of the house, which may be different, so it is best to consult the housing and urban development committee of the city.
Legal basis: Deed Tax Law of the People's Republic of China
Article 1 Units and individuals who transfer the ownership of land or houses within the territory of the People's Republic of China are taxpayers of deed tax and shall pay deed tax in accordance with the provisions of this Law.
Article 2 The term "transfer of land and housing ownership" as used in this Law refers to the following acts: (1) the transfer of land use rights; (2) Transfer of land use rights, including **, gifts, and exchanges; (3) Sale, gift, and exchange of houses. The transfer of land use rights in item (2) of the preceding paragraph does not include the transfer of land contract management rights and land operation rights.
Where the ownership of land or houses is transferred by means of investment (shareholding), debt repayment, transfer, reward, etc., deed tax shall be levied in accordance with the provisions of this Law.
Article 3 The deed tax rate shall be 3 to 5 percent. The specific applicable tax rate of deed tax shall be proposed by the people of the provinces, autonomous regions and municipalities directly under the Central Government within the range of tax rates specified in the preceding paragraph, and shall be reported to the Standing Committee of the People's Congress at the same level for decision, and shall be reported to the National People's Congress Standing Committee and the National People's Congress for the record. Provinces, autonomous regions, and municipalities directly under the Central Government may, in accordance with the procedures provided for in the preceding paragraph, determine differential tax rates for the transfer of ownership of different entities, different regions, and different types of housing.
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