What money do I need to pay for my first home second hand in addition to the down payment?

There are three taxes that you need to pay:

Deed tax, 1% for families buying a single home for the first time 90 or less; 90㎡-140㎡；140 and 3% above. 3% for the purchase of a non-family sole home;

Stamp duty: Exemption for residential buildings under 90 square meters; Others are charged according to the transaction price!!

Assessment fee: Generally less than 5. The specific rate varies from place to place!!

Three situations: if you do not have a mortgage, you may not need to be appraised, so there is no appraisal fee; In the case of a mortgage, the appraisal fee may be included in the brokerage fee; It is also possible that the real estate transaction center collects the transaction directly from the applicant at the time of closing. ）

Other fees: Some places may also involve transaction fees, registration fees, production costs, etc., but the amount is small!!

If it is the landlord's hand-to-hand price, you will also have to pay the seller's tax:

If the landlord gets the price, you will also have to pay the seller's sales tax. The tax rate is levied in full for less than 5 years, and exempted for ordinary residential buildings for 5 years;

This is also the seller's tax, i.e. personal income tax. **Exempt if it is more than 5 years old and is the only home of the family. **For houses that are less than 5 years old or non-sole houses that have been less than 5 years old, the approved tax rate will be 1% for the time being.

Therefore, this house needs to be based on whether the house you bought is more than five years old and whether it is the only house.

Taxes and money for the mortgage are subject to an appraisal fee.

Brother, I said if if my brother let my brother.

To buy a second-hand house, you must first see whether the house is full of 2 years, whether the seller is the only house, whether the buyer is the first time to buy a house, and the taxes and fees that need to be paid in general second-hand housing transactions

1. Taxes and fees to be paid by the buyer:

1. Deed tax: the first purchase of the house is assessed within 90 square meters and within 144 square meters, more than 144 square meters, and the buyer pays 3% for the first time;

2. Stamp duty: for the house payment.

3. Transaction fee: 3 yuan per square meter.

4. Surveying and mapping fee: yuan square meter.

5. Ownership registration fee and certificate collection fee: generally within 200 yuan.

2. Taxes and fees payable by the seller:

1. Stamp duty: of the house payment.

2. Transaction fee: 3 yuan per square meter.

3. Business tax: the full amount of the real estate certificate is less than 2 years, and the ordinary house is exempted for 2 years) 4. Individual income tax: 1% of the house price (..)The only exemption for ordinary rooms after five years).

To buy the first second-hand house, you need to pay business tax, personal income tax, stamp duty, deed tax, surveying and mapping fees, second-hand housing transaction fees and registration fees, of which business tax and personal income tax are paid by the seller, stamp duty is paid by the buyer and seller respectively, and other fees are paid by the buyer.

What are the processes for buying a second-hand house 1. Looking at the house The buyer visits the house on the spot, and the two parties have a preliminary negotiation**, payment method, delivery date, etc. 2. Check the file The buyer and seller should go to the land department to check the file with the original real estate certificate or the original mortgage contract. 3. Sign the contract The buyer and the seller negotiate the house, the deposit, the down payment, the capital supervision, the loan application time, the redemption fee, the transfer application time, the tax payment method, the delivery date, the tenant's situation, the time and proportion of the commission payment, and the liability for breach of contract.

What are the pitfalls of buying a second-hand house 1. Sell more than one house Due to the large number of buyers, the homeowner may have the opportunity to sell more than one house, and buy two.

Hello, the current fees to be paid for buying second-hand houses in China mainly include the following three aspects: 1. The fees that need to be paid for the purchase of second-hand houses themselves. 2. When buying a house, you need to pay the fee to the intermediary, that is, the service fee of the intermediary. 3. Transaction tax costs incurred in the process of purchasing second-hand houses.

For the buyer, the cost of the second-hand house needs to be paid, first of all, the deed tax, the general area of less than 90 square meters of the house, the deed tax of the first suite, that is, 1% of the assessment of the house, in addition, the need to pay should be about 80 yuan of the cost of work.

What do you need to pay for walking to a second-hand house, a second-hand house of gloves. In other words, it should be necessary to pay some deed tax and some deed tax and some related fees for handling real estate certificates.

Deed tax, individual income tax, and the house is less than five years old, and you have to pay VAT.

The cost of buying a second-hand house includes the following:

1. Second-hand house fee;

2. If the second-hand house is mortgaged by the bank, it needs to be paid:

1) Bank mortgage mortgage notary fee. The mortgage notary fee is 1 of the loan amount, and if it is less than 200 yuan, it will be levied at 200 yuan.

2) The cost of the mortgage contract is 380 yuan.

3) The appraisal fee for the case value of the commercial house is 3 5 of the total house price.

3. Taxes and fees should be paid by the buyer:

1) Deed tax: 3% for the house (3% for the area of more than 144 square meters, 1% for the area of less than 90 square meters and the first house).

2. Transaction fee: 3 yuan per square meter.

3) Ownership registration fee and evidence collection fee: According to the specific regulations of each district, the general situation is within 200 yuan.

4) Surveying and mapping fee: according to the specific regulations of each district.

1. First of all, evaluate the ** of your house. The appraisal price of Staggering is generally about 80-90% of the current **, but it is generally 80%, and some are lower.

2. Your down payment is paid to the homeowner, not the bank, you see how much the bank can lend you, and the rest is your down payment. For example, if you can borrow 150,000 yuan for a house price of 200,000 yuan, then your down payment is 50,000 yuan.

1. Deed tax: (generally paid by the buyer, unless otherwise agreed by both parties) 1. The first purchase of a property of less than 90 square meters shall be paid at 1%;

2. The first purchase of more than 90 square meters (including 90 square meters) and less than 144 square meters of real estate shall be paid according to the payment;

3. Pay 3% in the following cases:

1) 144 (including 144 square meters) square or more;

2) Not a first-time home buyer;

3) garage; 4) Non-ordinary residences.

2. Business tax: (generally paid by the seller, unless otherwise agreed by both parties) 1. Ordinary residential properties below 144 square meters are exempt from business tax after the real estate certificate has been completed for 2 years.

2. If the real estate certificate is less than 2 years, the business tax shall be paid;

3. If the area of the house exceeds 144 square meters, the real estate certificate shall be paid according to the difference for 2 years, and the calculation formula is: (last purchase ** - now ****) * tax rate.

4. The calculation formula for the payment of the difference between the shops is: (last purchase ** - now ****) * tax rate.

3. Individual income tax: (generally paid by the seller, unless otherwise agreed by both parties) 1. The real estate certificate has been completed for five years, and it is the only set of real estate under the name of the seller's husband and wife is exempt from individual income tax.

2. If the seller's husband and wife are not the only property or the real estate certificate is less than 5 years, they shall pay 1%.

3. The shop shall pay according to the difference, and the calculation formula is: (last purchase ** - now ****) * tax rate of 20%.

Fourth, other expenses are relatively small:

1. Transaction fee: 6 yuan square * number of square houses

2. Cost of production: 80 yuan for one certificate; Two documents 90

3. Appraisal fee: 5/1000 of the total amount of assessment (if you need a loan, you need to pay) 4. Mortgage cost: 100 yuan (if you need a loan, you need to pay) 5. Proof of house purchase: 20 yuan a copy generally needs to be opened in 3 copies, total: 60 yuan.

6. The notarization commission fee is 300 yuan (if I cannot be present to sign, I can do notarization entrustment).

Now more and more people are willing to buy second-hand houses, because some good second-hand houses have location advantages, large appreciation space in the future, do not need to spend a few months to decorate, can immediately move in, so second-hand housing transactions are very prosperous. So how much do you need to pay for a down payment on a second-hand house? What are the precautions?

1. The proportion of down payment for second-hand housing

1. Number of sets. Second-hand houses are also divided into first and second homes, the first home mortgage loan requires at least 30% down payment, and if it is a second home, the down payment required is generally 50% or 60%.

2. Total price. Generally speaking, the down payment on a second-hand mortgage loan is calculated in proportion to the total price of the house. Based on the 30% down payment of the first house, the total price of the second-hand house is 800,000 yuan, and a down payment of 240,000 yuan is required, and if the total price is 1 million, a down payment of 300,000 yuan is required.

3. Policy. The lending policy in each region is different, individuals apply for second-hand housing mortgages, and there is no unified answer for the down payment of mortgage loans, after deciding to apply for second-hand housing mortgage loans, it is recommended to go to various local banks to understand and then choose the right bank for second-hand housing mortgage loans.

2. Precautions for down payment of second-hand housing

1. The buyer and the seller sign the sale and purchase agreement with the assistance of the intermediary.

2. The buyer deposits the down payment into the seller's personal account opened in the bank for confirmation by the loan bank (as proof of the down payment for the loan).

3. Banks, buyers and sellers and intermediaries sign a supervision payment agreement (i.e., a four-party agreement).

4. The buyer and the seller handle the transfer of real estate, and the intermediary party assists the buyer to go through the loan procedures at the bank.

After the bank approves the loan, the bank will directly transfer the money to the account designated by the buyer and seller according to the four-party agreement (generally the seller's account, which is opened by the seller at the bank and set a password). )

5. The intermediary party assists the buyer and seller in handling the real estate delivery procedures.

6. Find a trustworthy intermediary.

The amount of down payment for second-hand housing is generally based on the actual situation of the house, usually the down payment is about 30%, and you can pay more if you have the conditions. Factors such as local policies, the number of properties owned by the lender, and the choice of a down payment on a CPF loan or a commercial loan will affect the down payment ratio, and the most important thing is to depend on the regulations of the local bank loan.

[Legal basis].

Article 509 of the Civil Code provides that the parties shall fully perform their obligations in accordance with the agreement. The parties shall follow the principle of good faith and perform obligations such as notification, assistance, and confidentiality in accordance with the nature of the contract, the purpose, and the transaction habits. Article 510 of the Civil Code provides that after a contract takes effect, if the parties have not agreed on the quality, price or remuneration, place of performance, etc., or the agreement is not clear, they may agree to supplement the contract; If a supplementary agreement cannot be reached, it shall be determined in accordance with the relevant provisions of the contract or transaction customs.

When handing over a second-hand house, buyers pay special attention to the following 10 links that are easy to miss:

1) Whether the buyer has gone to the tax office to issue an invoice for the full payment;

2) Whether the duty-paid decal and warrant stamp duty have been affixed to the new property certificate;

3) Whether the seller's sales contract has been affixed with the contract of sale;

4) Whether the ** in the house has gone to the telecommunications company to go through the name change procedures;

5) Whether you have gone to Towngas to change your name;

6) Whether you have gone to the property owner to handle the procedures for changing the name of the property and settle the various fees between the previous family and the property management company;

7) Whether the maintenance invoice and property management fee deposit receipt of the house have been handed over in time;

8) Whether the invoices and warranty cards of various equipment in the house have been handed over;

9) Whether the decoration contract and decoration invoice of the house and the warranty card have been handed over;

10) Whether the fees for water, electricity, coal, cable TV, broadband, etc. have been settled.

It is to handle the transfer of property rights and then pay the down payment. Generally, the down payment is made to the landlord on the day of closing.

Sign the contract first to agree on a certain time to transfer, and after signing the contract, put the deposit in the intermediary company; The transfer specialist will tell you the closing time in advance so that you can prepare the down payment; On the day of the transfer, you should make the remaining down payment, sign your name online, and you will transfer the down payment and the intermediary company directly to the landlord card; The real estate title certificate will be in your hands within 3 working days, you take the real estate certificate to the bank to make a mortgage loan, and the bank will directly transfer the loan money to the landlord's card number.

The down payment ratio for the first home is 20%-30%, and the down payment ratio for the second home is 50%-70%, and the execution rate is multiple of the benchmark interest rate. The down payment ratio will vary by region.