1. Business tax: See how many years the real estate license has been issued, and then judge whether it can be exempted. Deed tax: house below 90 square meters1%; Residential 90- 144 is1.5%; The rest, whether residential or non-residential, is 3%.
2. Personal income tax: if the real estate license is sold within 5 years after it is issued, the income tax will be levied at 1% of the sales price; The real estate license will be sold in five years. If it can be proved that the seller sells the house for family living, it can be exempted from income tax!
3. Stamp duty: Houses below 90 square meters are exempt; Others are levied at 0.05% of the sales price! Appraisal fee: if you don't need mortgage, you shouldn't need appraisal. The assessment fee is generally less than 5‰. The specific rates vary from place to place.
4. Other expenses: Some places may involve the expenses of production, registration and transaction, but the amount is small. The land transfer fee for housing reform is paid in accordance with local policies, and local policies are different.
Second-hand house sale
1, see the house
When the buyer looks at the house, the buyer and the seller initially negotiate the price, payment method and delivery date.
Step 2 sign a contract
The seller shall provide the legal certificate of the house, both parties shall pay the house purchase deposit, and both parties shall sign the house purchase contract in at least three copies.
Step 3 handle the transfer
The buyer and the seller apply to the real estate transaction management department for review. After going through the declaration procedures, the management department should check the relevant documents, review the property rights, and handle the transfer procedures for houses that meet the conditions for sale.
4. Go through the deed formalities.
The real estate transaction management department shall, according to the property right and the purchase object of the transaction house, report to the transaction department for approval step by step according to the examination and approval authority set by the transaction department in advance, and both parties to the transaction may go through the formalities for signing the deed.
Step 5 pay taxes and fees
3.30 After the reform of the New Deal, the second-hand houses that have reached the age of two years can be exempted from business tax in the transaction process in addition to personal income tax, stamp duty and deed tax.
6, the transfer of property rights transfer procedures.
After the real estate transaction management department completes the registration of property right certificate change, both parties will hand over the transaction data to the issuing department, and the buyer will apply to the issuing department for a new property right certificate with the Notice of Obtaining Property Right Certificate.
7. Bank loans
After signing the house sales contract with the seller, both buyers and sellers will go to the loan bank to handle the loan procedures, and the bank will review the credit of the house, determine the buyer's loan amount, and then approve the buyer's loan. After the property rights of both parties are changed, the bank will issue a one-time loan after the buyer receives the property right certificate.
8. Balance transaction is completed.
After the buyer obtains the property ownership certificate, pays off the house price, sells the house, delivers the house and settles the property fee, the transaction of the second-hand house between the two parties is completed.