Taxes and administrative expenses
The taxes and fees to be paid for buying second-hand houses include deed tax and personal income tax.
contract tax
Deed tax refers to the tax that needs to be paid when buying a house, and the tax rate is 1.5%. The calculation formula of deed tax is:
Deed tax = total house price * 1.5%
For example, to buy a house with a total price of 2 million, the deed tax to be paid is:
Deed tax = 2 million *1.5% = 30,000.
individual income tax
When buying a second-hand house, if the seller of the house is an individual, you need to pay personal income tax. The calculation formula of individual income tax is:
Individual income tax = (transfer price of the house-original value of the house-200,000 yuan) *20%
Among them, the original value of the house is the cost price at the time of purchase, 200,000 yuan is the exemption amount, and 20% is the tax rate.
brokerage
When buying a second-hand house, if you trade through an intermediary company, you need to pay an intermediary fee. The agency fee is generally 65438+ 0%~2% of the total house price. For example, if you buy a house with a total price of 2 million, the agency fee is 2%, and you need to pay an agency fee of 40 thousand.
other charges
When buying a second-hand house, you need to pay some other fees, including appraisal fees, notarization fees, transfer fees, property fees, etc.
Evaluation fee
Evaluation fee refers to the cost of housing evaluation. The appraisal fee is generally 0. 1%~0.3% of the total house price. For example, if you buy a house with a total price of 2 million yuan, the appraisal fee is 0.2%, and you need to pay an appraisal fee of 4,000 yuan.
notarization fees
Notarization fee refers to the notarization fee required for house transfer. The standard of notarization fee is generally 0. 1%~0.2% of the total house price. For example, if you buy a house with a total price of 2 million yuan, the notarization fee is 0.2%, and you need to pay a notarization fee of 4,000 yuan.
Transfer fee
Transfer fees refers to the expenses that should be paid when the ownership of the house is transferred to the name of the buyer. The charging standard in the transfer fee is generally 0.5%~ 1% of the total house price. For example, if you buy a house with a total price of 2 million yuan, the transfer fee is 1%, and you need to pay a transfer fee of 20,000 yuan.
Property management fee
Property management fee refers to the property management fee that needs to be paid every year after buying a house. The charging standard of property fees varies according to the community where the house is located.