What taxes and fees do you pay to buy a house, and what taxes do you need to pay when you buy a hous

The taxes and fees to be paid to buy a house are as follows:Taxes to be paid when buying a house:

1. Deed tax: the total amount of the house payment. Ordinary houses under 140 square meters, 3% for ordinary houses over 140 square meters, and 3% for non-ordinary houses. 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 fees for commercial loans vary slightly from bank to bank.

The fees that need to be paid after buying a house mainly include house maintenance**, decoration deposit, property fees and other expenses.

The taxes that need to be paid to buy a house are: stamp duty, deed tax, value-added tax, land tax, business tax, individual income tax, and other expenses.

1. 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.

2. Deed tax: For ordinary houses below 144 square meters, if an individual purchases an ordinary house of 90 square meters or less, and the house is the only house of the family, the deed tax will be levied at a reduced rate of 1%, 3% for more than 144 square meters, and 4% for non-residential. 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.

3. Individual income tax: There are two main situations: if the house is more than 5 years old and is a single house, it is exempt from personal income, and the commercial housing less than 5 years old, regardless of the first or more sets, must pay the difference of 20 individual income tax.

4. Business tax and additional taxes are more complicated, divided into 5 situations: first-tier cities, ordinary residences for 2 years are exempt from business tax, first-tier cities for non-ordinary residences pay the difference of 5 business tax, first-tier cities for less than 2 years to pay the full amount of 5 business tax, second-tier cities and below the city for 2 years of ordinary residences and non-ordinary residences are exempt from business tax, and second-tier cities and below for less than 2 years to pay the full amount of 5 business tax.

Things to note when buying a house:

1. Buy an existing house or a quasi-existing house as much as possible. In this way, many risks can be avoided, such as: the height of the window sill, the net height is too low, the balcony design is unreasonable, the house is too small, the plumbing equipment layer, the house is unfinished, indoor harmful gases, changing the structure of the house, cracks and other surface quality problems.

2. Don't ignore the shared area. When we buy a house, the shared area must not be ignored, pay attention to see whether it is reasonable, generally multi-storey residential areas are less, high-rise residential buildings due to the impact of elevators and other aspects, the shared area is more. Multi-storey is between 11% and 16%, and high-rise is generally between 18% and 26%.

3. Sign the contract in one step. Strive to sign the contract directly in one step, do not pay a deposit, do not sign a subscription, etc., otherwise, it is easy to be passive and restricted. The performance period, liability for breach of contract, compensation for breach of contract, etc., should be clearly defined in the contract, so as to avoid delays in delivery caused by the developer due to funds or other reasons, and avoid disputes when making payments.

4. Write the commitment into the supplementary agreement. Write the developer's commitment in the brochure or advertisement into the supplementary agreement. If the developer does not agree to write, prepare a small tape recorder in advance to record the developer's verbal promise.

Buying a house requires the payment of deed tax, repairs** and stamp duty. Deed Tax: 4 for ordinary residential, commercial or condominium.

Stamp duty: 5/10,000 of the total room price. Repair**:

Buyers should pay 2% of the purchase price.

1. Deed tax refers to a one-time tax levied on the property right assignee on the contract signed by the parties according to a certain proportion of the house price when the housing right is changed. It is a special tax levied on changes in real estate property rights.

2. Stamp duty is a tax levied on the establishment and receipt of certificates in economic activities and economic exchanges. Developers and buyers are required to pay 5/10,000 of the stamp duty each.

3. It is the maintenance of public facilities and public equipment (involving the common parts of the house such as exterior walls, roofs, sewers, water pipes, etc.). 2-3% of the total purchase price, 2% in most places.

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The fees to be paid to buy a house are as follows:

1) The cost of buying a house: full payment or down payment;

2) Taxes and fees: business tax, individual income tax, land value-added tax, stamp duty, urban maintenance and construction tax, deed tax, education surcharge, etc.;

3) Housing sales transaction fees and house ownership registration fees. Legal basis: Article 2 of the Individual Income Tax Law states that individual income tax shall be paid for the following items:

1) Income from wages and salaries;

2) Income from remuneration for labor services;

3) Income from author's remuneration;

4) Income from royalties;

5) Business income;

6) Income from interest, dividends and bonuses;

7) Income from property lease;

8) Income from the transfer of property;

9) Incidental gains.

Resident individuals who obtain the income from items 1 to 4 of the preceding paragraph (hereinafter referred to as "comprehensive income") shall calculate individual income tax on a consolidated basis according to the tax year; For non-resident individuals who obtain the income in items 1 to 4 of the preceding paragraph, the individual income tax shall be calculated on a monthly or sub-itemized basis. Taxpayers who obtain the income from items 5 to 9 of the preceding paragraph shall calculate individual income tax separately in accordance with the provisions of this Law.

Housing and household taxes are as follows:

1. For the first time buyers of less than 90 square meters, the payment shall be 1%;

2. 90 to 14 square meters shall be paid at 1.5% of the house price;

3. More than 14 square meters shall be paid at 3% of the house price.

There is also a business tax, which is exempted from property rights for five years, and shall be paid at 5.5% of the house price for no more than five years. As well as land value-added tax, the property right of the house is exempted for five years, and the property right shall be paid at one percent of the house price for no more than five years. If the property right of the house has been obtained for five years, it shall be exempted from income tax, and if it has not been more than five years, it shall be paid at the rate of 1% of the house price or 20% of the difference between the original value of the house and the current value of the house.

In the case of non-ordinary residential transactions, the deed tax is paid at 5% of the house price. Regardless of whether the property right has been obtained for less than five years, business tax, land value-added tax, income tax and stamp duty shall be paid in accordance with the regulations. The transaction fee is paid at 1.9% of the house price, and everything else remains unchanged.

Article 86 of the Measures for the Registration of Housing Chain Burial.

Where the ownership of a house is transferred in accordance with the law, and an application for registration of the transfer of ownership of the house is applied, the following materials shall be submitted: an application for registration; Proof of identity of the applicant; Certificate of Ownership of the House; Proof of the right to use the homestead or the right to use the collectively owned construction land; Documents proving the transfer of ownership of the house; Other necessary materials.

Those who apply for registration of the transfer of ownership of villagers' houses shall also submit supporting materials proving that the rural collective economic organization has agreed to the transfer.

Where a rural collective economic organization applies for registration of the transfer of ownership of a house, it shall also submit supporting materials with the consent of the villagers' meeting or the authorization of the villagers' meeting and the consent of the villagers' representative meeting.

【Legal analysis]: The taxes that need to be paid to buy a house are as follows: 1. Deed tax, 4 for ordinary residences, commercial or apartments; 2. For maintenance, the buyer shall pay 2 of the purchase price; 3. Stamp duty, 5/10,000 of the total house price; 4. Land transfer fee, 1 of the total house price; 5. The cost of other warrants, about 80 yuan (only the cost of the loan); Mortgage registration fee, according to the condition of the bank; Insurance premiums, depending on the insurance company's situation; The land certificate fee shall be paid in accordance with the relevant regulations.

Legal basisArticle 3 of the Deed Tax Law of the People's Republic of China is 3% to 5%. The specific applicable tax rate of deed tax shall be proposed by the people of 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 Standing Committee of the National People's Congress and the 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.

The taxes and fees generally to be paid to buy a house include the deed tax; stamp duty; $3 flat transaction fee; surveying and mapping fees for yuanping; 200 yuan ownership registration fee; The difference in the price of the real estate certificate is less than 5 years) business tax, 20% of the profit of the real estate transaction or 1% of the personal income tax of the house price.

Legal basisArticle 3 of the Individual Income Tax Law.

Personal Income Tax Rate:

1) For comprehensive income, a progressive tax rate of 3% to 45% is applicable;

2) For business income, an excess progressive tax rate of 5% to 35% shall be applied;

3) Income from interest, dividends and bonuses, income from property leases, income from property transfer and incidental income shall be subject to a proportional tax rate of 20%.

Article 3 of the Provisional Regulations on Deed Tax.

The deed tax rate is 3-5. The applicable tax rate of deed tax shall be determined by the people of provinces, autonomous regions and municipalities directly under the Central Government within the range specified in the preceding paragraph in accordance with the actual situation of their respective regions, and shall be reported to the Ministry of Finance and the State Administration of Taxation for the record.

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1. Deed tax: then the deed tax of villas in urban areas is levied at 4%; Ordinary housing is levied according to the proportion, and residents purchase 90 square meters and ordinary housing contracts are levied at 1% of the corresponding deed tax; 2. Housing maintenance**, residential maintenance** shall be deposited according to the standard of 2% of the total price, and non-residential maintenance** shall be deposited according to the standard of 1%; 3. Transaction fee, 3 yuan per square meter for residential buildings; non-residential: 11 yuan per square meter; 4. It is the housing registration fee, which is 80 yuan per set for the residence; $550 per unit for non-residential; 5. Stamp duty on licenses, 5 yuan per copy; 6. It is the cost of production, 10 yuan per book. Legal basis

According to the Notice of the Ministry of Finance, the State Administration of Taxation and the Ministry of Housing and Urban-Rural Development on Adjusting the Preferential Individual Income Tax Policies for Deed Tax in Real Estate Transactions, if an individual purchases an ordinary house and the house is the only house of the family (including the buyer, spouse and minor children, the same below), the deed tax will be reduced by half. For individuals who purchase ordinary houses of 90 square meters or less, and the houses are the only houses of the family, the deed tax will be levied at a reduced rate of 1%.