What's the difference between taxes and fees for second-hand houses and new houses? What is the difference?

First of all, talk about the taxes and fees of new houses:

1: deed tax

For the first or second suite, the housing area is ≤90 square meters, and the deed tax is 1%.

The first suite covers an area of over 90 square meters, and the deed tax is 1.5%.

The second suite covers an area of over 90 square meters, and the deed tax is 2%.

Beishangguangshen: the deed tax policy for the first suite is the same as above; The deed tax for the second suite and non-ordinary residence is 3%.

Note that the deed tax of the new house is calculated according to the transaction price of the house, that is, the transaction price is multiplied by the corresponding deed tax ratio.

2. Housing maintenance fund

According to the housing area, it is generally 30- 100 yuan/square meter. The collection standards for elevators, stairwells, high-rise buildings and small high-rise buildings are slightly different.

Step 3 stamp duty

The tax rate is 0.05%, and the residence is exempt from stamp duty.

4. Other expenses

Stamp duty of the title certificate in 5 yuan/household, title certificate registration fee in 80 yuan/set, and non-residential 550 yuan/set.

Let's talk about second-hand houses:

1, deed tax

For the first or second suite, the housing area is ≤90 square meters, and the deed tax is 1%.

The first suite covers an area of over 90 square meters, and the deed tax is 1.5%.

The second suite covers an area of over 90 square meters, and the deed tax is 2%.

Beishangguangshen: the deed tax policy for the first suite is the same as above; The deed tax for the second suite and non-ordinary residence is 3%.

Note that the deed tax of second-hand houses is calculated according to the appraisal price of houses in most cases, not the transaction price of houses.

2. Value-added tax and additional tax

Buying a second-hand house requires paying VAT. The rate of value-added tax and its additional tax is 5.6%, which can be exempted from value-added tax after two years. Two years means that the real estate license or deed tax payment certificate is calculated from the date of issuance to the date of sale of the house for two years or more.

The calculation formula of value-added tax and its additional tax amount: house taxable value ÷ (1+5%) × 5.6%.

3. Personal income tax

Generally, 1% of the house price is charged, or 20% of the difference between the two transactions. The only house over five years old is tax-free. That is, the house is the only house of the seller, and the certificate of immovable property rights has been completed for five years, which can be tax-free.

4. Transaction costs

According to the area of the house, the house is generally 4-6 yuan/square meter.

5.stamp duty

The house is tax-free.

6. Others

Stamp duty on warrants in 5 yuan/household; Certificate registration fee, residential 80 yuan/set, non-residential 550 yuan/set.

Note: If you are a customer who needs a loan, you also need to pay a guarantee fee and an evaluation fee.

Loan guarantee fee

Mortgage guarantee fee refers to the fee that banks generally need borrowers to provide professional guarantee companies to provide guarantees for you in order to avoid mortgage risks. There is no charging standard for the time being, and the intermediary opens hundreds of thousands.

I hope I can help you.