How much are the taxes and fees for commercial and residential buildings in Harbin?

The high housing prices in Harbin make people who just need it very anxious. Developers sell commercial and residential houses with the slogan "No purchase restrictions" to attract the attention of home buyers. Everyone should take a look at the taxes and fees for commercial and residential buildings in Harbin.

How much are the taxes and fees on Harbin’s commercial and residential buildings?

1. Explanation of commercial and residential properties. The so-called dual-use commercial and residential products refer to a product that can be used for both office and residence. It is an extension of home manufacturing and residence. It is a residence, but at the same time it incorporates many hardware facilities of some office buildings, allowing residents to engage in commercial activities while living.

2. The term of commercial and residential property rights. The property rights of commercial and residential houses are generally 40 or 50 years. According to the relevant provisions of the Property Law: after the expiration of the right to use the land for residential construction, it will be automatically renewed. The "right to use land for non-residential construction" cannot be automatically renewed. Therefore, compared with general residences, the hidden funds of commercial and residential houses are actually very high.

3. Taxes and fees on commercial and residential housing. "Commercial and residential dual-use" projects are currently unable to pay deed tax in accordance with residence regulations. When such a house changes hands, the relevant fees are calculated in accordance with commercial terms. The transfer deed tax is 4 percent, while the general residence transfer deed tax is 2 percent. (not exceeding 144 square meters). At the same time, commercial transfers are also subject to business tax, land value-added tax, etc.

4. Loans for commercial and residential housing. There are no purchase restrictions on commercial and residential houses, and they are not subject to mortgage restrictions. However, this kind of house does not enjoy the tax benefits of general product residences. The loan period generally does not exceed 10 years, and the down payment is higher, about 50 percentage points, which is much higher than the 30 percentage points for the first ordinary residence. The loan interest rate is 1.1 times that of ordinary residences, and provident fund loans cannot be applied for.

What issues should be paid attention to when purchasing commercial and residential buildings in Harbin?

Defect 1: Commercial and residential properties generally cannot be settled. Commercial and residential properties generally cannot be moved into the household registration, which means that even if there are good educational resources in the surrounding area, the children cannot go to school nearby because the household registration cannot be moved. This invisibly causes inconvenience to the owners in their daily life and study.

Defect 2: The daily capital of "commercial and residential" houses is high. The water, electricity and property expenses of commercial and residential houses are all commercial standards, which are much higher than those of residential projects, and various taxes and fees are also high. higher than ordinary residences. This means that home buyers have to bear higher daily capital.

Defect 3: The safety of commercial and residential buildings is also worthy of concern. Commercial and residential dual-use houses combine commercial and residential properties. They are called "commercial" and "residential", but in fact they bring a lot of trouble to both parties. Many owners posted posts stating that the merchants were indeed disturbing residents, and some reported that the merchants were operating too late at night.

What is the direction of commercial and residential housing in Harbin?

Commercial and residential dual-use housing Compared with ordinary residences, they have a shorter service life, higher taxes and fees, and higher loan interest rates. With the oversupply situation, the returns are not satisfactory, so consumers must choose rationally. The so-called commercial-residential houses refer to houses built on commercial land converted by developers into general residential units for sale. The biggest difference between commercial and residential houses and ordinary residences is that the property rights period is 50 years, and there is no clear guideline on how to renew it.

Don’t be seduced by the appearance of unlimited purchase and low price. The most uneconomical thing about buying a commercial-residential house is exactly what this agent did not introduce, and that is the extra taxes and fees. . In addition to water, electricity, and property fees being much higher than those for ordinary residences, commercial and residential properties also have to pay an additional 30% minus 60% of land value-added tax, 5.5% of business tax, and 20% of personal income tax. A second-hand commercial and residential house worth 1 million yuan costs nearly 300,000 yuan more than an ordinary residence.

Calculate the share of net income in detail and see who you rent to. It is okay to rent to people, but renting to manufacturing industries generally constitutes commercial and residential areas. This address is Whether it is possible to register a company or whether it can be listed for operation after registration are all issues. In fact, whether it is a residence or a business, his rent will be affected.

On the surface, the five certificates for commercial and residential dual-use houses are complete, but if we investigate carefully, the commercial real estate around residential planning is actually a "side ball" of the target. Currently, the supply of commercial and residential dual-use houses is more than accurate. Please note that the selling condition is not ideal. One reason is that many real estate companies believe that after the restriction on residential purchase, many people will think that marginal residential products for both commercial and residential use may become a new hot spot. Many companies have transformed projects originally planned as manufacturing buildings into apartments, resulting in The supply of apartments is relatively large.

If you live in Harbin, you can learn about the taxes and fees on commercial and residential properties in Harbin, so that you will not buy an unsuitable property.