First, the real estate agency commission.
It is the service remuneration paid by the buyer and the seller to the real estate agent. The three parties clearly agreed in the previous contract that it will be paid after the transaction is successful. Different intermediary companies may implement different standards. However, the price department stipulates that the commissions of the branches of both buyers and sellers are
It cannot exceed 3% of the transaction price.
Second, the mortgage fee.
When mortgage or sub-mortgage is involved, the service fees of mortgage companies, appraisal companies, banks and other related institutions need to be paid. Mortgage expenses mainly include:
1. Housing survey fee: 90 yuan for each certificate shall be collected by the Housing Authority;
2. Housing appraisal fee: the appraisal price is ×0.5%, which will be collected by the appraisal company. Do not need an assessment report, only the initial assessment fee 300 yuan;
3. Mortgage agency fee: the service fee charged directly by the mortgage company, with the standard of loan amount × (1%~1.5%); Different mortgage companies have different standards, which are generally 1% or1.2% of the loan amount;
4. Loan insurance premium: loan amount × 1.2×0. 1%× loan period, which shall be collected by the insurance company. The longest term of second-hand housing mortgage loan is 20 years;
5. Notarial fee for loan contract: 300 yuan for each case;
6. Notary fee for the agreement of the mortgage contract: 300 yuan per piece;
7. Transaction entrustment notarization fee: 200 yuan per piece;
8. Bank provident fund agency fee: each 500 yuan case is charged by the corresponding bank;
9. Registration fee for other rights: 250 yuan for each certificate (500 yuan for each certificate in Panyu) shall be collected by the Housing Authority;
10. Stamp duty on loan: 0.005% of the loan amount, which will be collected by the bank.
Among them, most banks do not charge agency fees for bank provident funds. In addition, individual banks will charge a refinancing fee, ranging from 1 1,000 yuan per case in 500 yuan.
Three. Transaction tax
Transaction taxes and fees are directly collected by the Housing Authority, and the buyer and the seller pay the corresponding taxes and fees respectively according to the regulations.
Taxes and fees for second-hand transactions mainly include:
1. Transaction deed tax: appraisal price ×1.5%; (buyer)
2. Transaction stamp duty: the appraised price × 0.05%; (both parties)
3. Transaction management fee: 3 yuan/㎡ for residential property and 6 yuan/㎡ for commercial property; (both parties)
4. Transaction registration fee: 60 yuan/person per case, calculated according to the number of owners registered in the real estate license; (buyer)
5. Surveying and mapping fees: each 50 yuan/person is calculated according to the number of owners registered in the real estate license; (buyer)
6. Stamp duty on title certificate: each 5 yuan. (buyer)
If the property purchased or traded by the unit is non-residential, the transaction deed tax standard is the appraised price ×3%.
If the transaction property is a reformed house, individual income tax shall be paid when it is sold and released: transaction price × 1.3%, land premium × transaction price × 1%, pool area difference × 10.98%× evaluation price × 10%. The standard of seller's premium for second-hand commercial housing transactions is 60 ~ 120 yuan/㎡.
At present, the second-hand market does have the phenomenon of irregular charges. Mainly, some unplanned intermediaries make use of the fact that buyers and sellers don't understand the charging standards to make excuses or increase fees.
One of the most important manifestations is the use of some vague concepts to charge extra. Such as abnormal charges in the name of transaction fees and mortgage fees.
Another main performance is that some fees are not charged by all banks or related institutions, and the intermediary has not truthfully informed these situations. Even if the bank or relevant institutions do not collect the money, they will still collect it correctly. For example, the above-mentioned bank reserve payment agency fee and mortgage refinancing fee are only collected by individual banks.
Secondly, some intermediaries will raise prices at will on some charging items. For example, the stamp sales fee is 90 yuan per box, and some intermediaries charge 200 yuan.
As both parties to a general transaction, in order to avoid losses in this respect, we should choose qualified formal intermediaries, especially big intermediaries with brands. At the same time, we should reserve more common sense in peacetime.
Master the latest changes in the price of second-hand houses in Luoyang, evaluate your house and make it easy for you to buy a house.