Taxes to be paid when buying a new house: Deed tax: 1.5% for ordinary residences less than 144 square meters. For ordinary houses less than 90 square meters purchased by individuals, and the house is the only home of the family, the deed tax is levied at a reduced rate of 1%. For ordinary houses exceeding 144 square meters3

%, non-residential 4%.

Under normal circumstances, the deed tax is paid together with the down payment and is collected by the developer.

The developer will issue a formal purchase invoice.

Stamp tax: It is paid when the house buyer signs the contract. The tax is 0.05% of the total house price. It is usually paid together with the down payment. The developer handles the contract registration and property certificate in a unified manner.

Bank's mortgage fees: When applying for a mortgage loan, the second set of fees you need to pay when signing a contract is the bank's mortgage fees. There are certain differences between banks in terms of commercial loan charges.

Taxes and fees to be paid when buying a second-hand house: Deed tax: 1.5% for ordinary residences, 4% for commercial or apartments; the standard for residential houses is 3% or 1.5% or 1% of the total price of the house. The specific proportion of payment for each house should be based on

Relevant national policies are determined based on factors such as the purchase time of the home, unit price of the home, area of ??the home purchased, whether it is the first home purchase, etc.; for non-residential houses, the payment is 3% of the total price of the house.

Business tax: 5.55% of the total house price, mostly borne by the buyer. If the seller is the only house and has lived there for more than five years, there is no such tax; if there is a business tax, it will also be accompanied by urban construction tax (business tax * 7%), education surcharge (business tax

*3%), local education fee (business tax *1%); personal income tax: 1.5% of the total house price, usually borne by the buyer; land transfer fee: 1% of the total house price, when purchasing a house, renovating a house, or similar houses

Pay it, and only pay it once. If you sell the house in the future, the buyer no longer needs to pay it); stamp duty: 0.05% of the total house price; transaction fee: square meters * 3 (both the buyer and the seller must pay it, and the amount is equal)

; Cost of ownership certificate production: determined according to bank conditions; Cost of production of other warrants: determined according to bank conditions; Mortgage registration fee: determined according to bank conditions; Insurance premium: determined according to insurance company conditions.

Land certificate application fee: pay according to relevant regulations.

Costs involved after buying a house: House maintenance fund: Major repair fund: 2%-3% of the purchase price, which refers to the maintenance fund for public facilities and public equipment.

When the home buyer receives the key and checks in, the developer will collect the house maintenance funds on his behalf.

Property management fee: Calculated from the date of receipt of the house, from the date when the house is passed by the buyer, usually paid three months in advance.

Property management fees should be paid for houses that the property owner has not lived in for a long time or for vacant houses that have not been sold by the developer.

Ownership registration fee: The ownership registration fee is the cost of applying for a real estate certificate.

Transaction fee: Generally, residential: building area × 3 yuan/_; non-residential: building area × 11 yuan/_.

Do I need to repay the CCB mortgage loan in advance in person?

Generally, you need to do it in person, but you can also ask someone to do it for you. Notarization is enough. For early repayment, you need to bring your ID card, bank card, and loan contract to the bank to handle it. If it is an agent, the repayer also needs to sign and notarize it.

Agency agreement, and many banks require advance reservation for early repayment, so you can prepare in advance.