So what taxes and fees do you need to pay for buying a house?
Suppose we buy a new house with a total price of 2 million yuan, and the taxes we need to pay are as follows (Note: Due to different taxes and fees in different places, the actual expenditure may be different. The following taxes and fees are for reference only, not as specific cost guidance. ):
I deed tax
Deed tax is a tax levied when the ownership of land and houses is transferred. Both buyers and sellers need to pay deed tax. The deed tax rates of different housing types and different buyers are generally different, as shown in the following table:
It has been made clear in the table that the deed tax rate is uniformly set at 3% for non-first suites and non-ordinary houses. What is ordinary housing? Ordinary houses refer to houses with building plot ratio 1.0 (including 1.0) or single building area140m2 (including140m2). The first set of ordinary housing has three tax rates: 1, and the tax rate of building area less than 90 square meters is 65438+. 2. If the construction area is between 90-140m2, the tax rate is1.5%; 3. If the building area exceeds140m2, the tax rate is 3%.
If the first group purchases a new house, the applicable tax rate is 1.5%.
2 million house deed tax = 2 million×1.5% = 30,000 yuan.
Two. stamp tax
The so-called stamp duty, popularly speaking, is a tax that needs to be paid when handling property rights, selling documents when transferring houses, signing contracts, etc. , also known as "decal". Stamp duty on house transactions is generally five ten thousandths of the amount contained in the sales contract.
2 million house stamp duty = 2 million × 0.05% = 1000 yuan.
Third, the bank mortgage fee.
In addition, the vast majority of people use mortgage loans when buying a house, and they also need to pay bank mortgage fees at this stage. The rates of bank mortgage fees are generally as follows:
Stamp duty (stamp duty on bank mortgage): five thousandths of the house price.
Insurance premium: loan amount * 1.2 times * 1%* year * discount.
Notarization fee: generally between 200 yuan and 300 yuan.
Other warrant fees: generally between 200 yuan and 300 yuan.
Attorney's fee: generally between 200-500 yuan per order.
These taxes and fees depend on people, so it is difficult to calculate the loan amount and loan term. According to the house of 2 million1000 square meters, the bank mortgage fee should not be less than 10000.
Four. other charges
1, anti-theft system fee: about 800 to 1500 yuan;
2. Opening fee of pipeline gas: about 2,500 yuan;
3. Cable TV installation fee: around 300 yuan;
4. Prepaid the property management fee for 3 months: a house around 250 yuan 100 square meter;
5. Working capital of hydropower: 200 yuan.
6. Decoration deposit: general 1500 yuan;
7. Property maintenance fund: generally 2% of the house price, 2 million for Lao Wang, and 2 million × 2% for the property maintenance fund = 40,000 yuan;
8. Transfer registration fee: the house is charged by the set, and each set is 80 yuan; Non-residential houses are charged by the box, and each box is 240 yuan. Lao Wang's 2 million house transfer registration fee is 80 yuan.
Finally, other expenses are calculated to be about 45,000.
The tax on buying a 2 million house is probably:
Deed tax (30,000)+stamp duty (1 10,000)+bank mortgage fee (1 10,000)+other expenses (about 45,000) = 86,000.
To buy a house of 2 million, if the down payment is 30%, then the down payment he needs to pay is 600,000, plus various taxes and fees of 86,000, which means a one-time payment of 686,000, excluding the mortgage. Is it high or low?
(The above answers were published on 20 17-04-27. Please refer to the actual situation for the current purchase policy. )
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