In addition to preparing the down payment for buying a house, we are ready to pay tax. What tax should we pay for buying a house? What should I pay attention to when buying a house? Let's have a look!
What tax do you need to pay to buy a house?
1. Deed tax is a real estate tax levied on the real estate with the change of ownership as the tax object. When purchasing a house, pay 1% to 3% of the assessed value and 1% of the first purchase within 90 square meters. The area is 90-44 square meters, 1.5% for the first time, and 3% for non first time buyers or more than 144 square meters, which shall be paid by the buyer.
2. Stamp duty. At present, stamp duty is charged at 0.05% of the total purchase price.
3. Housing maintenance fund. The total purchase price of the housing maintenance fund is 2-3%, which is 2% in most places; The house registration fee is 80 yuan / set for houses and 550 yuan / set for non residential houses.
4. Other expenses. Other expenses mainly include work cost, property management fee and transaction fee.
5. In case of mortgage, there are also the following costs: evaluation expenses, 0.2-0.5% of the total purchase price. Insurance premium, the total purchase price multiplied by the loan period multiplied by 0.1% multiplied by 50%. Notarization fee, the loan amount multiplied by 0.03% mortgage registration fee is 100 yuan.
What should I pay attention to when buying a house?
1. Determine the goal of buying a house. Reasonable planned consumption - the premise of house purchase. Determine the suitable real estate according to their own income, expenses and other actual conditions. Do not buy a house is to buy three rooms and two rooms, so one step in place; However, starting from their actual situation, making a good plan is actually to meet the basic needs of life and avoid unnecessary additional burden, and training the gradual consumption concept is very important.
2. Buy a house for common sense learning. Understand some basic knowledge of real estate - need to buy a house. Because the amount involved is huge, buying it is a more professional behavior. In some developed countries, mature and professional house brokers can provide professional consultation and services for individual buyers. Laws, regulations and operating procedures are also more standardized. Individuals have acquired a more mature model, and this process is relatively easy.