The reporter noted that it is not a "new regulation" to levy income tax according to the difference of 20%. Previously, there were two ways to calculate the personal income tax of second-hand houses: 20% of the price difference or 1% ~ 2% of the total price, and the lower one can be chosen when trading. For the houses with rapid price increase, it is relatively cost-effective to calculate according to the total price. The introduction of the "National Five Articles" undoubtedly greatly increased the transaction cost of second-hand houses, and second-hand houses in various places rushed to transfer ownership.
It is reported that on the day of the above notice, some property buyers in Beijing signed contracts overnight to avoid paying more taxes. So what is the impact on the property market after the implementation of the New Deal? Industry insiders predict that the transaction cost of second-hand houses will increase, or the owners will not sell them, resulting in a decline in transaction volume; On the other hand, sellers pass on taxes and fees to buyers, which suppresses the enthusiasm of buyers. In addition, due to the linkage between second-hand housing and first-hand housing, the adjustment of tax policy will also prompt some prospective buyers of second-hand housing to turn their attention to new housing, thus affecting the price of new housing.
dispel
"Second-hand houses are taxed at 20% of the transfer income" is not a new regulation.
According to the reporter's rough calculation, taking a set of ordinary second-hand houses with a total price of 500,000 yuan and a current price of 2 million yuan five years ago as an example, according to 20% of the value difference of the New Deal, it is necessary to pay a tax of 300,000 yuan. If this policy is strictly implemented in all localities, the transaction cost will be significantly increased, and the transaction heat of the second-hand housing market will be significantly suppressed, which may lead to a decline in transaction volume in the short term.
In fact, China's individual income tax law has long stipulated that the income obtained by individuals from selling their own houses (the difference between the selling price of houses and the original value) should be taxed according to the item of "income from property transfer", and the tax rate is 20%.
Because some houses can't verify the original value of the house, for example, they can't accurately calculate the price difference, so they can't be levied according to 20%. For such houses, the national policy is to uniformly levy 1% of the total sales price.
In practice, because the intermediary can often help the seller to lower the real price for online signing, the tax levied according to the total price 1% is often much lower than the tax levied according to the price difference of 20%. Therefore, many houses that can verify the original value are also regarded as houses that cannot verify the original value, so that they are levied at a total price lower than the real transaction price 1% to achieve the purpose of tax avoidance.
Due to the continuous shortage of supply and demand in first-tier cities, the business tax, individual tax, deed tax, agency fee and other taxes and fees in the previous transaction link were basically passed on to the buyers. The industry believes that if the relationship between supply and demand in hot cities does not improve significantly, the new tax may be passed on to buyers again, further increasing the cost of buying second-hand houses by buyers.
Zhang Dawei, director of the Central Plains real estate market research department, believes that if the Five Articles of New China are strictly implemented, the demand for buying houses in the second-hand housing market and the owners' willingness to sell houses will be affected, and the transaction volume will drop significantly. After the introduction of the detailed rules, second-hand houses around the country rushed to transfer ownership, but the overheated second-hand housing market will surely cool down rapidly.
market
Second-hand housing to step up the transfer of ownership for the policy of "last bus"
According to the statistics of Ye Wei I Love My Family Market Research Institute, after the introduction of the new property market policy, the number of new houses entrusted by stores increased by nearly 40% on average over the weekend.
"Is it necessary for my listed house to pay taxes according to the difference of 20%?" A few days ago, the reporter saw in the second-hand housing agency near Sanhuan New Town that there was an endless stream of buyers who came to consult and see the house. Nearly 90% of the consultations were about the topic of "second-hand housing transaction tax is levied according to the difference of 20%". Xiao Liu, a housing agent, told reporters that his phone kept ringing last weekend, mainly because customers, owners or residents in surrounding communities consulted about the New Deal.
According to the statistics of the website of Beijing Municipal Commission of Housing and Urban-Rural Development, the number of second-hand houses signed online reached 1059 on March 2. After the New Deal, the number of second-hand housing contracts reached a new high.
Since the beginning of this year, the transaction volume of second-hand houses in Beijing is still hot. In June 5438+ 10, the transaction volume reached 1956 1 set, a two-year high. In June 5438+ 10 and February, the average daily contracted volume also reached 500-700 sets. Statistics show that there have been more than * * * sets of second-hand houses online in Beijing this year, except for 65438+3 1, 1230 on March 2, and the last few days of the month on February 28.
Kong Dan, a market analyst of Ye Wei I Love My Family Group, believes that online signing agencies will generally speed up the processing of backlog cases at the end of the month, so the number of online signing at the end of the month will generally be more. At the same time, Kong Dan said that there were more than 1000 online signposts on March 2, mainly due to the "New Deal", and a large number of citizens flocked to sign online signposts, because the purpose of tax online signposts was to speed up the transfer process and catch the "last bus" before the implementation of the "New Deal".
In addition to Beijing, second-hand housing traders in Shanghai and Nanjing are also eager to complete the transaction as soon as possible before the official implementation of the policy. In Wuxi, Jiangsu, the real estate trading center is crowded and full of transactions. Usually there are up to 360 numbers a day, and 570 numbers have been sent on the afternoon of the 4 th.
interpret
Cities with rapidly rising housing prices may reverse.
This tax policy adjustment has made many second-hand housing buyers "rush". In the new housing market, customers who just need to buy a house in the near future may turn to wait and see again, waiting for the policy to be further clarified and delay buying a house.
It is reported that the transaction volume of second-hand houses in first-tier cities such as Beijing and Shanghai has exceeded or equal to the transaction volume of new houses. If the new tax policy significantly reduces the supply of second-hand housing, it may further aggravate the shortage of these cities, especially the central city market.
Many people worry that the 20% tax may prompt buyers to turn to the new housing market, which will lead to an increase in new housing prices.
Zhang Hongwei, director of the same policy consulting research center, believes that the background of the policy is precisely in the critical period of real estate market regulation, and more is to balance the transformation problems faced by the government and the market in this critical period. Generally speaking, the "National Five Articles" was issued to continue to do a good job in the regulation of the real estate market this year, rather than suppressing the real estate market.
Zhang Xu, the research department of Chain Home Real Estate Market, believes that although this policy is a tightening and improvement of the previous policies, it has given local governments more control space in terms of "strengthening market supervision and expected management" in addition to credit and tax policies. On the whole, the new round of control policies has been strengthened in terms of market control means and administrative control means such as credit and taxes. Moreover, the regulation of the second-hand housing market is stronger. The new round of regulation and control will promote the obvious change of buyers' expectations, curb the improved demand, or reduce the turnover rate of transactions to a certain extent, and it is expected that the transactions will shrink. For first-tier cities like Beijing, where house prices rose rapidly in the early stage, this market reversal may be more obvious.
Hu Jinghui, vice president of Ye Wei I love my family, predicted that with the implementation of the detailed rules of various cities, the transaction volume of new and second-hand housing markets in various places will fall into a trough period, and prices may experience a period of stagflation. Experts said that the mortgage policy has increased the financing cost of house purchase, which is conducive to curbing speculative demand.
(The above answers were published on 20 13-07-24. Please refer to the actual situation for the current purchase policy. )
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