The problem of house transfer is a big problem that many people are concerned about. Buying a house includes many problems, such as the inheritance between houses, the donation and the sale. How much does it cost to transfer the ownership of a house? What are the transfer fees of donated property?
As mentioned just now, there are several ways of house transfer, including transfer, sale, gift, inheritance and so on. The forms of house transfer will be very different. The process problem is a troublesome problem. Normally, it is mainly through the signing of the house sales contract. After the two parties put forward the application for the transfer of ownership, they can carry out the overall transaction. But in addition, they also need to go to the real estate management department to survey and evaluate the house. After that, they also need to pay the real estate tax and get the real estate certificate.
For the shopping method just mentioned, there will be different algorithms for shopping expenses. Among them, the official expenses belong to a normal expense. What needs to be considered are transaction fees, contract stamp duty, deed tax, intermediary fees, transfer fees and other related expenses, What we need to pay attention to here is that in the whole process of real estate transfer, both parties will pay different fees. For both parties, they should have a better understanding of the specific fees they need to pay. With more and more houses for the elderly and more difficulties for the young people to buy houses, the transfer of ownership is a big problem The most important thing is that the old people transfer their ownership to their children's houses, and this kind of shopping method is general, there are three kinds, one is inheritance, the other is gift, and then is sale and purchase. The problem of gift contains more.
Normal house transfer:
1. Business tax: the tax rate is 5.55%, which is paid by the seller. In the actual process of education, it is paid by the buyer, and the seller generally receives the house payment net. The business tax policy for individual housing transfer will be adjusted from March 31, 2015, in which the individual resells the purchased ordinary housing.
The situation included in this is that if an individual purchases less than two years of housing for external sales, the business tax will be levied in full. If an individual purchases more than two years of non ordinary housing for external sales, the tax will be levied according to the difference between the sales income and the purchase price. If an individual purchases more than two years of ordinary housing, the business tax will be exempted. General personal commercial housing (residential) over two years do not collect business tax, and facade, it needs to collect the difference between the Department of business tax.
2. Personal income tax: the tax rate is about 1% of the total amount or 20% of the difference between the two transactions. Strictly speaking, this amount is also paid by the seller himself, but in fact it is paid by the buyer. The condition of collection is to take the family as the unit. If the sale is not the only housing, you need to pay personal income tax on real estate transfer. One of the conditions here is the only housing of the family, and the other is that you need to buy it for more than two years. If both conditions are met at the same time, you can be exempted from paying personal income tax, and if one of them cannot be met, you have to pay it.
In other words, if you buy someone else's house, he sold it abroad or went to other cities, then this is his only house, so you can save a lot of money. Under normal circumstances, the Local Taxation Bureau will check whether the seller's husband and wife have other real estate as the basis, but the situation included here is that if the real estate sold is non residential Houses, such as the facade or garage, all need to pay personal income tax. In the process of Taxation, the Local Taxation Bureau must levy 20% of the difference in the case of the difference in business tax.
3. Deed tax: the benchmark tax rate is 3%, and the preferential tax rates are 1.5% and 1%. In which case, the benchmark tax rate is 3% of the total transaction amount, but there is also a relatively preferential policy. If the buyer is the first time to buy an ordinary house with an area less than 90 square meters, it can only pay 1% of the total amount. If the buyer first buys an ordinary house with an area more than 90 square meters (including 90 square meters), it will pay 1.5% of the total transaction amount. The bigger the house, the higher the tax.
First time house purchase and ordinary residence need to have two conditions, if not meet one, it needs to calculate the deed tax.
4. Stamp duty: the tax rate is 1%, the buyer and the seller are half, but after 2009, the state temporarily reduced the levy.
5. Surveying and mapping fee: 200 yuan for area below 75 square meters, 300 yuan for area above 75 square meters and 144 square meters, and 400 yuan for area above 144 square meters.
6. Other expenses: other expenses mainly include transaction fees for second-hand houses, which are 6 yuan / m2 * actual surveying and mapping area for residential houses and 10 yuan / m2 for non residential houses. In addition, the registration fee (cost) is 80 yuan.
Transfer fee of donated property:
Generally, the transfer of house ownership is the transfer of the house in the name of parents to their children
This kind of situation is to transfer the ownership by way of transfer. Obviously, this is the normal way of transaction. The second is the way of Tibetan. After 180 donation notarization, the house appraisal and appraisal are carried out, and then the transfer of ownership is carried out. The fee to be charged here is 40 yuan per square meter for the notarization of property rights, and then the transfer of ownership is carried out by way of inheritance. In the case of the death of the parents, the whole process is carried out, mainly about the way of donation, although it is a gift, But pay personal income tax, deed tax and notarization fee. There is no business tax for the donation transfer, because the donation is considered as the act of receiving the donation free of charge, so the donee needs to pay personal income tax, and at the same time, the donation transfer also needs to pay notarization fee.