I bought a second-hand house. In March this year, I found a satisfactory house through an intermediary. Because I have to go to work, I decided to let the intermediary handle all kinds of procedures, including loan and transfer. Signing a contract is very refreshing. Look at the house on the first day and sign the contract on the second day. Before deciding to buy a second-hand house, I learned about various policies and regulations on the sale of second-hand houses, as well as the taxes and fees to be paid. When I was looking at the house, the intermediary salesman told me that the landlord had more than one suite, and there was another suite in a certain district. My mistake was that I listened to the intermediary. I was going to the real estate trading center to confirm the landlord's real estate information, but I was too lazy to go. According to the policy, this house can be exempted from business tax and surcharge after five years, because the landlord's house will just be five years old in July, so we agreed to wait until July to transfer the ownership, and the landlord agreed. There is a new policy just after signing the contract, and business tax and surcharge can be exempted after 2 years. This tax is very large, accounting for 5.5% of the total house price. Saving this money is a huge sum of money for me.
I could have gone through the formalities next, because I wanted to open an account here and get a marriage certificate, which was delayed until June for various reasons. The process went smoothly. On July 3rd1,we went to the agency to pay the real estate license, land use certificate, various invoices and a little service fee.
I was very happy to get the certificate on the spot, but I only saw the deed tax invoice when I looked through the bills, but there was no tax invoice. At that time, the signing agent calculated a tax for us, which included personal income tax. So I asked the intermediary why there was no tax invoice, and the intermediary manager told me that the bank received it when handling the loan. I'm dubious, because the loan is just a mortgage of real estate and has nothing to do with individual tax. With questions, I searched the online loan processing process, and none of them showed that tax payment receipts were required. Later, I saw a "house is exempt from personal income tax for five years", which means that if the landlord's house is five years old (now it is two years old) and it is a property under his own name, then it is exempt from personal income tax when it is sold. Note that the tax is actually borne by the seller, but in the actual transaction, the general tax is passed on to the house, so I signed the contract and handed in the agreement.
It was Saturday, so I couldn't immediately confirm with the tax bureau whether we paid the tax. So I waited until Monday morning, August 3rd. I called the real estate transaction center directly and she transferred me to the local tax window. After asking, the tax collector told me that I didn't need to pay a tax on the house I bought. Confirmed that the house I bought is indeed a set of owners'. So I immediately went to the intermediary to explain. The same manager, after I explained the situation, looked ugly and kept silent. He only said that this should be the employee's personal behavior, and he didn't know it, and said that he would investigate it clearly and inform their boss. At the same time, he asked me what I wanted to do if it was true. I said I would refund the tax and half of the agency fee to me as compensation for your cheating on me, or we would go through legal procedures. He told me to go back and wait for the notice. He called me in the evening and told me that he had reported to the company. The company says that you have to pay so much for signing the contract, and you can't change whether we pay taxes or not. The company said it agreed to go through legal procedures, and the tone was very strong.
The next day, I consulted a lawyer. The lawyer said it was too much trouble to go through legal procedures. I have to go to work, and I have no time or energy, and I have to pay legal fees. I'll consult with the agent again. If it doesn't work, report it.
So, I went to the real estate trading center and got the documents on the day of transfer. A tax bill says that the house is 2 years old and belongs to the owner. The tax is 0. With the evidence, I will go to the intermediary after work at night and negotiate again. As a result, as soon as I met their manager, my attitude changed. Before I showed the evidence, he agreed to refund me a tax. He took out the transaction record, and the page about our transaction said that the tax was saved. Oh, good save.
I was angry, and obviously I trusted them to do it out of trust. They have many chain stores, and they are not small shops, but they have made such a small move. I asked their manager if his boss knew nothing about this kind of thing. He smiled and said nothing. I kept explaining that I helped us find such a good house and paid a lot, and so on. I said that every industry has insiders. I don't understand, but I can't do this kind of thing that hurts customers with my conscience. We paid more than 6400 yuan for this tax, but unfortunately I found that many people who bought houses didn't know about it, so they were cheated.
In the process, I paid appraisal fee, loan fee and agency fee totaling more than 10,000 yuan. The intermediary did help me, and I paid it cheerfully, but I also made money that I shouldn't have made, which was immoral.
Today, I received a transfer of 6400 yuan from the intermediary, and there was no compensation, because I didn't want to take care of too much, and I was tired from work. I didn't want to always go to their store after work. Even if it comes to an end.
Regarding the second-hand housing transaction, I have summarized the following points to remind the rich who want to buy a house some experiences:
1. Before signing the contract, if the seller's property still has outstanding loans, it depends on whether there are other mortgages besides bank mortgages on the seller's real estate license;
2. If you want to go to the trading center for consultation or ask the seller if it is a real estate, don't listen to the intermediary; You can leave the seller's contact information behind the intermediary;
3. When signing the contract, if there is a tax bill, remember to keep it well;
4. Sign the contract and read the terms clearly, especially the payment institution. Never sign a contract in full.
In this way, if something like me happens in the future, it will be difficult to recover and illegal;
5. When handling loans, choose average capital or equal principal and interest. You can compare the repayment amount of the two with the next loan calculator; In addition, to let the intermediary choose a bank with preferential discounts, I noticed at that time that the postal savings was 9.8 fold, and other banks remained basically unchanged or floated;
6. At the time of transfer, both the buyer and the seller are in the trading center. When signing, be sure to see clearly what you are signing. One of them shows what tax to pay. I missed the opportunity to find the problem because I didn't read it.
7. Leave a part of the fee for the intermediary to pay when the house is finally handed over, and don't pay it all at once;
8. When handing over certificates, check whether all kinds of certificates and invoices are complete, especially the deed tax, individual tax and business tax payment vouchers. You don't need to know them, but you must have them.
9. If you find any problems after the handover, don't panic. You can check the evidence yourself first. For example, you can call the real estate transaction center, and they can also transfer the phone number of the tax bureau. If necessary, you can consult directly on the spot;
10. If problems are found, we should talk to them calmly, and the worst thing is to recover the losses. Compensation depends on the situation;
1 1, do not go through legal procedures, but you must be aware of rights protection. The general boss doesn't know the tricks of the intermediary, and the handlers do it privately, so as long as you are not modest, they will have no confidence;
12. If negotiation fails on the spot, call 1 10.
1 10 won't help to get the money back, but it can help to mediate and give the intermediary a scare, but only when both parties are present can you call 1 10, otherwise they won't come;
13. There are also 123 15 consumer complaint telephones, real estate agency associations, TV stations, etc. You can search the phone online.
Here, what are the key points of the tax paid to popularize the sale of second-hand houses (ordinary houses)?
1. Business tax and surcharge: borne by the seller.
5% business tax is levied on ordinary houses less than 2 years old, which is generally calculated according to the total price in real estate appraisal. The additional tax is paid at 10% of the business tax, totaling 5.5%.
Exempt from business tax for 2 years.
2. Deed tax: borne by the buyer.
According to the area less than 90 square meters
: 1%, 90-140m2: 1.5%,140m2 or above or non-ordinary residence: 3%.
3. Individual income tax: paid by the seller.
Calculated according to 65438+ 0% of the total transaction amount or 20% of the difference between two transactions.
There are two conditions here: the family residence has been purchased for more than 2 years. If both conditions are met at the same time, individual income tax can be exempted; If you don't meet any conditions, you have to pay personal income tax.
4. Stamp duty and land value-added tax are temporarily exempted.
There are few other taxes and fees, so I won't list them here. You can use Baidu: taxes and fees for buying and selling second-hand houses.
We can see that many taxes are borne by the seller, but in fact they are generally borne by the buyer. The wool is on the sheep, and if the seller insists, the house price may rise.
It's not terrible to have problems. We should actively seek evidence and confidently negotiate with the intermediary. After all, all we earn is hard-earned money. It's really hateful to be cheated by an intermediary.
The point of this matter is that I challenged my major. I try to pay taxes for my clients every day, but I stumble.
Life is more frustrating and brave, and you can grow with experience. ?
(The above answers were published on 20 15-08-09. Please refer to the current actual purchase policy. )
Comprehensive and timely real estate information, click to view.