1. What taxes do you need to pay for buying a new house 1. Deed tax

(1) If you buy 9 square meters or less, and there are no other houses in this suite, the deed tax will be levied at a reduced rate of 1%. Then those with good economic conditions will buy bigger houses. After all, the state has introduced a second-child policy, and for houses over 144 square meters, 3% are non-residential. Usually the deed tax is paid together with the down payment, and the developer collects it. Pay the relevant fees, and the developer will issue a formal purchase.

(2) stamp duty is .5%. Pay directly at the time of signing the contract, .5% of the total house price, usually together with the down payment, which can facilitate the developer to handle the contract registration and real estate license in a unified way. If you apply for a mortgage loan, the second group of fees to be paid when signing a contract is the bank mortgage fee, and the charging items of commercial loans are slightly different among banks.

2. overhaul fund

2%-3% of the purchase price is used for the maintenance fund of public facilities and public equipment (involving public parts of the house, such as exterior walls, roofs, sewers and water pipes). Real estate companies or developers should be in the bank account designated by the local housing Committee, and buyers can deposit it themselves. Generally speaking, when buyers check in, developers will receive housing maintenance funds.

2. How to use the house deed tax calculator

1. Open the mortgage calculator applied by Baidu, enter the loan amount, loan term, loan interest rate and repayment method in the "Commercial Loan" window, and click "Calculate". The calculation results are quickly shown below, including total interest, total accumulated repayment, monthly payment, maximum monthly interest payment, etc. Among them, monthly payment is the answer we are looking for.

2. If you think the monthly payment is too high and want to reduce the monthly payment, you can re-select the loan term, for example, change the original 2 years to 3 years, and then click Calculate again.

3. At this time, you can see that the monthly payment has been reduced to 537.27 yuan, because other conditions remain unchanged, the longer the loan term, the smaller the monthly payment, but the longest loan term cannot exceed 3 years. If you still think this amount is too high, you can try provident fund loan again, click "Provident Fund Loan", enter the same data, and click "Calculate" again. At this time, you can see that the interest rate of provident fund loan is lower than that of commercial loan.