Can I use a credit card to pay the deed tax when buying a house?

Credit cards are used for a wide range of purposes, including shopping or handling some business. Some friends have reported that the deed tax they have to pay when buying a house ranges from thousands to tens of thousands, and they want to know whether they can pay the deed tax with a credit card. So, can I pay deed tax with a credit card?

Card friend example

Card friend Xiaowu has a Y-POWER card from Bank of Communications with a limit of 50,000. He bought a 120-square-meter house this year and needed to pay a deed tax of 10,000 yuan. What Xiaowu wants to know is whether he can use this Bank of Communications credit card to pay the deed tax.

Analysis

The regulations of each real estate trading center are different. Generally speaking, the three major taxes (business tax, personal tax, and deed tax) can be paid by credit card, and the handling fee The drawing fee, stamp duty, production cost, etc. need to be paid in cash.

Take Xiaowu as an example. The simple understanding is:

1. Xiaowu’s credit card limit is 50,000 yuan. According to the deed tax amount of 10,000 yuan, he can pass Pay tax by swiping a credit card.

2. The prerequisite for Xiao Wu to pay taxes with a credit card is that the place where the tax is paid must have a POS machine. If the place where the tax is paid does not provide relevant equipment, cash must be paid.

Note:

1. If the limit of one credit card is not enough when paying the deed tax, you can use multiple credit cards. It is recommended to prepare 2 credit cards with large limits. If the limit exceeds the limit of two, you will be charged. Suspected of illegal cashing out.

2. To pay the deed tax with a credit card, the person who swipes the card is not limited to the buyer or the seller, but the signature must be the name of the person who swipes the card.

Can I pay deed tax with a credit card?

Yes.

In fact, when paying the deed tax, you will be prompted that "no cash is accepted, only card business is accepted."

As long as it is a bank card with the UnionPay logo, it can be used.

A credit card can also be used, but it must be in the name of the person who swipes the card.

The "card swiper" is not limited to the buyer or seller himself.

Additional details:

1. Can I use a credit card to pay the deed tax?

We all know that banks have clear regulations that credit card funds cannot be used to invest in real estate. If you use credit card money to pay for a house and the bank detects the flow of funds, the credit card may be frozen. However, you can use a credit card when paying the deed tax. You can use it with confidence and don't have to worry too much. Because the deed tax money is paid directly to the relevant state departments, it does not pay for the purchase of a house.

2. Basis for deed tax calculation

The donation of land use rights and house donations shall be determined by the collection authority with reference to the market price of land use rights sales and house sales.

The exchange of land use rights and houses is the price difference between the exchanged land use rights and houses. That is to say, if the exchange prices are equal, deed tax will be exempted; if the exchange prices are unequal, the party that delivers more currency, physical objects, intangible assets or other economic benefits will pay the deed tax.

When land use rights are obtained through allocation and the real estate is transferred upon approval, the real estate transferor must pay the deed tax. The basis for calculating tax is the back-paid land use right transfer fee or land income.

The deed tax adopts a proportional tax rate. After the tax calculation basis is determined, the calculation of the tax payable is relatively simple. The formula for calculating the amount of tax payable is:

Amount of tax payable = tax calculation basis × tax rate

3. How to pay the deed tax

(1) Buy a house first and then demolish it It is a house sale and purchase, and the deed tax should be paid based on the transaction price.

(2) If the deed tax is not paid after buying a house and the house is about to be renovated, the deed tax should be paid based on the transaction price of the purchased house.

(3) Using a house to pay off a debt or exchanging a house in kind is essentially a sales relationship, and the property owner should pay the purchase deed tax based on the current value of the house.

(4) Pre-purchased houses (which are characterized by the seller retaining the right to use part or all of the house for several years) are generally lower than the market price. The method of paying the house price is sometimes paid in full according to the contract price. Some pay in installments.

No matter which method is adopted, the deed tax must be paid in full within 10 days after the contract is established and according to the tax payment period specified by the local collection authority. The tax payment voucher should indicate the service life, payment method and necessary matters to avoid accidents.

(5) If the owner of a house requisitioned with the approval of the people's government at or above the county level uses the compensation fee issued by the state to purchase the house within one year, the deed tax will be exempted. If the purchase price of a house exceeds the compensation fee, the excess portion may be reduced or exempted from deed tax upon approval by the collection authority at or above the county level as appropriate.

(6) The use of real estate for investment or share transfer is actually a transfer of house property rights. The house property rights transaction and property rights change registration procedures should be handled in accordance with relevant regulations. It is regarded as a house sale, and the property rights inheritor shall purchase the property according to the purchase price. Deed tax is paid at the deed rate.

(7) If an individual invests his own house in his sole proprietorship as an asset, since the property rights of the house have not changed, no deed tax will be levied, and the deed will not be replaced.

(8) Any transfer or change of property rights of a house must be reported to the real estate authority or the township people's government for review and approval; houses that are bought and sold privately without approval will not be subject to deed tax and will be submitted to the real estate authority or the township people's government. The township people's government shall handle the matter.

The above is the relevant content of "Can I use a credit card to pay the deed tax" compiled by the editor of Legal Express. From the above content, we can know that the deed tax is subject to a tax rate of 3 to 5. The implementation of range tax rates takes into account the imbalance of China's economic development and the actual situation of large economic differences across regions.

Can I pay the deed tax with a credit card when paying the house?

You can pay the deed tax with a credit card. In fact, when paying the deed tax, you will be prompted "no cash, only card business". Any bank card with the UnionPay logo can be used, and a credit card can also be used, but it must be in the name of the person who swipes the card. The "card swiper" is not limited to the buyer or seller himself.

Whether tax is payable on handover of a new house

1. Deed tax. The current deed tax rate is 3% of the purchase price. If an individual purchases an ordinary house (less than 140 square meters) for self-use, the deed tax can be levied at a half rate, that is, it is levied at a rate of 1.5%;

2. Stamp tax. When an individual purchases commercial housing from a real estate development enterprise, he or she must pay stamp duty at a rate of 0.05 of the total price recorded in the contract.

The relevant fees that need to be paid are as follows:

1. Transaction fee, 0.5 of the total purchase price, the buyer and the seller each pay 0.25, (residential 3 yuan/square meter, by the developer For commercial housing, buyers do not need to pay);

2. When individuals purchase commercial housing, they need to pay a registration fee of 100 yuan per unit (including the cost of the "Real Estate Certificate");

3. Individuals For house purchase mortgage registration, if you apply for a provident fund loan, you will be charged 100 yuan per item; if you apply for a combination loan, you will be charged 200 yuan per item for registration of other real estate rights;

4. When signing a commercial housing pre-sale contract, you must Register and file with the real estate transaction management department, and pay the registration and filing fee for real estate rights documents at 100 yuan per piece;

5. When an individual purchases a new residence, when applying for a personal property rights certificate, the "Real Estate Rights Certificate" must be attached For cadastral maps (cyanotypes), whether one or more are pasted, the cadastral map fee is 25 yuan per certificate;

6. Property maintenance fund, 2-3% of the house price (different from place to place, Generally press 2).

Can I use a credit card to pay the deed tax?

When paying the deed tax, there will be a prompt that "no cash is accepted, only card business is accepted." At the tax bureau, any bank card with the UnionPay logo can be used, or a credit card can be used, but it must be in the name of the person who swipes the card. The "card swiper" is not limited to the buyer or seller.

According to Article 8 of the "Interim Regulations of the People's Republic of China on Deed Tax": the time when the tax liability for deed tax occurs is the day when the taxpayer signs the land or house ownership transfer contract, or the taxpayer obtains other The day when there is a contract document for the transfer of land and house ownership. Article 9: Taxpayers shall make tax declarations to the deed tax collection authority where the land and houses are located within 10 days from the date when the tax obligation arises, and pay taxes within the time limit approved by the deed tax collection authority.

Deed Tax is a tax levied on the recipients when the ownership of land and houses is transferred.

The current "Interim Regulations of the People's Republic of China on Deed Tax" came into effect on October 1, 1997. Enterprises and individuals who obtain land and house ownership in China must pay deed tax in accordance with the law. The above-mentioned acquisition of land and house ownership includes the following methods: transfer of state-owned land use rights, transfer of land use rights (including sale, donation and exchange), house sale, donation and exchange. If the ownership of land or house is transferred in the following ways, it will be regarded as the transfer of land use rights, house sale or house donation and levied deed tax: using land and house ownership as a price for investment or making shares, using land and house ownership to pay off debts, and accepting awards in the form of awards. The ownership of land and houses shall be acquired through pre-purchase or prepayment of funds for house construction. The deed tax is subject to a proportional tax rate of 3 to 5.

Deed tax refers to the tax levied on the contract. It is a property transfer tax and is paid by the property inheritor. The contracts involved in the deed tax include the transfer of land use rights, such as the transfer or transfer of state-owned land use rights, and the transfer of house ownership, which should be called the transfer of land and house ownership, such as house sales, gifts, exchanges, etc. In addition to buying, selling, gifting, and exchanging, there are many ways to transfer home ownership. Among them, there are two common types of house ownership transfers, for which deed taxes are required according to regulations: winning a prize for special contribution, and the prize is land or house ownership; or pre-purchasing a house off plan or raising funds to build a house with advance payment. As long as you have the ownership of the house, it is equivalent to the house. Buy and sell. Deed tax is an important local tax. In the place where land and house transactions occur, no matter who owns the property, they must pay tax according to law. Deed tax has become a fixed source of local fiscal revenue. Across the country, local deed tax revenue is rising rapidly. The methods of transferring ownership of various types of land and houses are different, and the deed tax pricing methods are also different.

Features

Deed tax is a property transfer tax.

The deed tax is paid by the property inheritor.

Can I pay the deed tax with a credit card (real estate certificate)?

Can I pay the deed tax with a credit card (real estate certificate)?

Can I pay the deed tax with a credit card, as long as the credit card limit is sufficient? enough.

Can I use a credit card to pay the deed tax at the tax bureau?

You can pay by credit card. When you hand in the deed tax, you will be prompted that "no cash is accepted, only card business is accepted."

At the tax bureau, any bank card with the UnionPay logo can be used, and a credit card can also be used, but it must be in the name of the person who swipes the card. The "card swiper" is not limited to the buyer or seller himself.

According to Article 8 of the "Provisional Regulations on Deed Tax of the People's Republic of China", the time when the tax liability for deed tax occurs is the day when the taxpayer signs the land or house ownership transfer contract, or the taxpayer obtains other ownership rights. The day on which the contractual certificate for the transfer of land and house ownership is issued.

Article 9 Taxpayers shall make tax declarations to the deed tax collection authority where the land and houses are located within 10 days from the date when the tax obligation arises, and pay taxes within the time limit approved by the deed tax collection authority.

Extended information

Deed tax is levied on land and house ownership transferred within the country. Specifically, it includes the following five items:

1. The transfer of state-owned land use rights shall be handed over by the receiving party.

It refers to the act in which land users pay land use rights transfer fees to the state, and the state transfers state-owned land use rights to land users within a certain period of time.

2. When transferring land use rights, in addition to land value-added tax, the recipient will also pay deed tax.

Refers to the behavior of land users transferring land use rights to other units and individuals by selling, donating, exchanging or other means. The transfer of land use rights does not include the transfer of rural collective land contract management rights.

3. House sale:

That is, the transaction behavior in which the seller transfers the ownership of the property to the buyer using money as the medium.

The following special circumstances are regarded as buying and selling a house:

(1) If the real estate is used to pay off debts or exchange the house in kind, the property owner shall pay the deed tax based on the current value of the house.

(2) If real estate is used as investment or equity transfer, and self-owned real estate is used as shares in an enterprise run by oneself, the deed tax is exempted.

(3) When buying a house, demolishing materials or renovating a new house, you must pay taxes according to regulations.

(4). The donor of a house gift does not pay land value-added tax, but the recipient should pay deed tax.

(5) In the calculation of deed tax for house exchange, it is a key point to pay attention to whether the ownership is transferred or not.

(6). Accept land transfer fees paid for state-owned land use rights.

(7) Deed tax must be levied on the land transfer fee paid for inheriting the right to use state-owned land. The deed tax shall not be reduced or reduced due to the reduction of land transfer fee.

The basis for calculating deed tax:

1. The transaction price is the transaction price for the transfer of state-owned land use rights, the sale of land use rights, and the sale of houses.

2. The donation of land use rights and house donations shall be determined by the expropriation authority with reference to the market price of land use rights sales and house sales.

3. The exchange of land use rights and houses is the difference in the price of the exchanged land use rights and houses.

If the transaction price in the preceding paragraph is obviously lower than the market price without justifiable reasons, or if the difference in the price of the exchanged land use rights or houses is obviously unreasonable and without justifiable reasons, the expropriation authority shall refer to the market price for verification. .

Baidu Encyclopedia - Deed Tax

Baidu Encyclopedia - Interim Regulations of the People's Republic of China and the State on Deed Tax

That's it for the introduction of credit card payment for deed tax.