Buying a house is a transaction, so there are procedures for commodity flow, and we also need to pay taxes. In real life, many buyers are not very clear about the house purchase taxes, so most people pay the money in a muddle headed way, and they don't know what taxes these money correspond to. So, what tax do you pay for buying a house? What conditions do you need to buy a house loan?
What tax do you pay for buying a house?
1、 What taxes should I pay when buying a house?
Deed tax: 1.5% for ordinary residence and 4% for commercial residence or apartment; Maintenance fund: the buyer shall pay 2% of the purchase price; Stamp duty: 0.05% of the total house price; Other expenses, not many.
2、 What taxes should I pay to buy a second-hand house?
1. Deed tax: 1.5% for ordinary residence and 4% for commercial residence or apartment; The standard for residential houses shall be paid at 3% or 1.5% or 1% of the total price of the house price. The specific proportion of each set shall be determined according to the relevant national policies, the buyer's purchase time, purchase unit price, purchase area, whether to purchase for the first time and other factors; For non residential houses, 3% of the total price of the house payment shall be paid.
2. Business tax: 5.55% of the total house price (generally borne by the buyer. If the seller has less than one house and has lived for more than five years, there is no such tax); If there is a business tax, it will also be accompanied by urban construction tax (business tax * 7%), surtax (business tax * 3%) and (business tax * 1%); Personal income tax: 1.5% of the total house payment);
3. Land transfer fee: 1% of the total house price (it shall be paid only once when the house is changed to a house or similar house, and the buyer will no longer need to pay if you sell the house later); Stamp duty: 0.05% of the total house price; Transaction fee: square meter * 3 (both the buyer and the Seller shall pay the same amount); Cost of property right certificate: about 80 yuan. Not necessarily this number;
4. Production cost of other warrants: about 80 yuan (only for loans); Mortgage registration fee: determined according to the situation of the bank; Insurance premium: according to the situation of the insurance company. Land license fee: paid according to relevant regulations. Note: the above proportion is only a reference, and some expenses should be adjusted according to national policies.
What conditions do you need to buy a house loan?
1. The borrower has stable occupation and income, good credit and the ability to repay the principal and interest of the loan.
2. The loan amount is determined according to the borrower's credit situation, occupation, repayment ability, liquidity of the purchased housing, etc.
3. Letter of intent or other supporting documents for the purchase of housing.
4. Other certificates required by the lending bank（ For second-hand houses, a copy of the seller's house property certificate (copies of the identity card and marriage certificate of several spouses of the property owner) shall also be provided.
5. Copies of ID card, household register, marriage certificate and personal education of the main participant.