1. The taxes that individuals need to pay when purchasing a house include: deed tax, maintenance fund, and stamp tax on the house ownership certificate.

(Land value-added tax and income tax are paid by the seller.) 2. Taxes to be paid when signing a house purchase contract: 1. Taxes to be paid when purchasing a new house from a developer: ① Deed tax: The deed tax to be paid when buying a new house is:

3-5% of the total purchase price (tax rates are different in different provinces, municipalities and autonomous regions), and half of the price for ordinary commercial housing, that is, 1.5-2.5%.

Different cities have different regulations on the deed tax collection ratio or the standards for judging the ratio.

For example, in Nanchang, the deed tax for house purchase is calculated based on the area. It is 1% for less than 90 square meters, 1.5% for more than 90 square meters, and 3% for more than 144 square meters.

② Maintenance fund: collected based on the building area multiplied by a certain amount.

(Different cities have different stipulated proportions. Moreover, the proportions charged are also different according to the nature of different types of houses) ③ Stamp tax of 0.05%.

2. When purchasing a new house from a developer, fees need to be paid: ① Fees to be paid when applying for a property ownership certificate: registration fee, building ownership certificate cost, etc. ② Fees to be paid during the move-in process: property management fees ③ Fees to be paid when applying for a mortgage

Cost insurance premium: Property insurance premium = total house payment * annual rate * years coefficient.

The premium is paid in one lump sum.

④ Fees required to apply for provident fund a) Appraisal fee: 0.5% of the appraisal result is charged for the portion of the appraisal price below 1 million, and 0.25% for the portion above 1 million.

b) Insurance premium: Property insurance: Insurance premium = Loan amount * Annual rate * Year coefficient c) Comprehensive insurance: Insurance premium = Lender's years corresponding coefficient * Loan amount.