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What taxes should be paid to buy second-hand houses? What should we pay attention to before paying t

Now there are more and more people buying second-hand houses, and there are more and more problems in buying second-hand houses. When buyers and sellers trade, many factors are uncontrollable, which is also the risk of buying second-hand houses. So what taxes should they pay to buy second-hand houses? What should we pay attention to before paying taxes? The following small make-up to take you to specific understanding.

What taxes should be paid to buy second-hand houses?

1. Deed tax

Individual purchase of housing is the family's first set of housing, housing area of 90 square meters and below, according to the tax rate of 1%. If the area is more than 90 m2, the deed tax shall be levied at the rate of 1.5%. The deed tax shall be levied at the rate of 2% on the second improved housing with an area of more than 90 square meters purchased by individuals, with the exception of the second suite in Beijing, Shanghai, Guangzhou and Shenzhen.

2. VAT and surcharges

The VAT and its surtax rate of the real estate certificate less than 2 years is 5.6% (the VAT rate is 5%). If the real estate certificate has been valid for two years, it shall be exempted from VAT.

3. Personal income tax

If the second-hand house purchased by the buyer meets the only two conditions of five years, it can be exempted from individual income tax. If the conditions are not met, the individual income tax shall be calculated according to 20% of the difference or 1% of the taxable price.

4. Other expenses

In addition to the major taxes and fees mentioned above, other miscellaneous fees should also be considered, such as the assessment fee for the total price of the second-hand house purchased, the guarantee fee for the loan, and some relatively small fees, such as the handling fee for the transfer of ownership and the real estate registration fee, which are all related to different cities It's charged according to the standard.

When to pay the second-hand house tax?

Second hand housing taxes and fees are generally in the transaction transfer time to pay, if I have something to do, entrust other people to do it, there is no provision must I personally pay taxes and fees.

The buyer and the seller need to bring ID card, household register, marriage certificate, real estate land, land use certificate or real estate certificate to the housing authority to sign a sales contract, then pay taxes, and finally complete the transfer in the real estate registration center.

What should we pay attention to before paying taxes?

The buyer should first identify the property right, that is, carefully examine the integrity and reliability of the property right of the house, and require the seller to provide the property right certificate, identity certificate, qualification certificate and other certificates. Secondly, it is very important to check the source and record of the property right of the purchased property from the relevant real estate management departments, including the owner, file number, registration date, transaction price, etc., and to check whether the house has debt burden.

Buyers also need to know whether the house is mortgaged, sealed up by the court, and shared with others. Those with unclear property rights and disputes must not buy. At the same time, they also need to pay attention to whether the owner and the seller on the property right certificate are the same person, check whether there are arrears, and carefully check whether there are pollution sources around the house, as well as the surrounding environment, community security and sanitation And so on.

The above is about when to pay taxes for buying second-hand housing and what taxes to pay for buying second-hand housing. Compared with new housing, the process of second-hand housing transaction is more complicated, and there are more risks in second-hand housing transaction. Many people choose to buy second-hand housing mainly because they value the characteristics of preferential prices for second-hand housing, but they have to do more preparation before buying 。