First, Chongqing second-hand housing transaction taxes and fees
When buying a second-hand house in Chongqing, the main taxes and fees to be paid are deed tax, personal income tax, stamp duty, real estate maintenance fund and land value-added tax. Below we will introduce the details of these taxes and fees one by one.
1, deed tax
Deed tax is one of the biggest taxes that buyers need to pay, and its tax rate is 3%. The specific calculation method is: deed tax = house transaction price ×3%. It should be noted that if the buyer is buying a house for the first time and the housing area does not exceed 90 square meters, then the deed tax can be reduced.
2. Personal income tax
If the buyer buys a second-hand house and sells it soon, then he needs to pay personal income tax. The tax rate of personal income tax is 20%, and the specific calculation method is: personal income tax = (house sale price-house transaction price at the time of purchase) ×20%.
Step 3 stamp duty
Buying a second-hand house also requires stamp duty, with a tax rate of 0.5%. The specific calculation method is: stamp duty = house transaction price ×0.5%.
4. Real estate maintenance fund
The real estate maintenance fund is the fee paid by the buyers, and its rate is 0.5% of the house transaction price. The specific calculation method is: real estate maintenance fund = house transaction price ×0.5%.
5. Land value-added tax
If the buyer buys a second-hand house and sells it soon, then he needs to pay the land value-added tax. The tax rate of land value-added tax is 30%, and the specific calculation method is: land value-added tax = (house sales price-house transaction price at the time of purchase) ×30%.
Second, Chongqing second-hand housing transaction matters needing attention
When buying a second-hand house in Chongqing, you should also pay attention to the following points.
1, check the property ownership certificate
When buying a second-hand house, you must carefully check the property right certificate to ensure that the property right is clear. If in doubt, you can consult a real estate agent or lawyer.
Step 2 know the history of the house
When buying a second-hand house, you must know the history of the house, including the previous owners, decoration, house maintenance and so on. This information can help you better understand the actual situation of the house.
3. Sign a formal contract
When buying a second-hand house, you must sign a formal house sales contract and ensure that all the terms in the contract are clear. You can consult a lawyer if you have any questions.
4. Choose a reliable intermediary company.
When buying a second-hand house, you must choose a reliable real estate agency to ensure the safe and smooth transaction. You can choose an intermediary company through the internet or word of mouth.