Taxes to be paid when buying a house:

1. Deed tax

For ordinary houses of 9 square meters and below, and the house belongs to families with few houses, the deed tax will be levied at the reduced rate of 1%, 1.5% for ordinary houses of 9 ′ 144 square meters, 3% for houses exceeding 144 square meters and 3% for non-houses. Usually the deed tax is paid together with the down payment, and the developer collects it. After paying the relevant fees, the developer will issue a formal proof of payment for the purchase.

2. Stamp duty

Stamp duty is paid directly when the contract is concluded, accounting for .5% of the total house price, which is generally paid together with the down payment, so that the developer can uniformly handle the contract registration and real estate license.

3. overhaul fund

Generally speaking, when property buyers get their keys and go through the check-in formalities, the developers will collect the house maintenance fund. In overhaul fund, 2%-3% of the house purchase price is the maintenance fund for public facilities and equipment (involving some parts of the house, such as exterior walls, roofs, sewers and water pipes). The charging method is: excluding elevator: total house price × 2% including elevator: total house price × 3% and some pilot buildings are charged at 5 ~ 6 yuan/m2.

4. Bank mortgage fees

If you apply for a mortgage loan, the second group of fees to be paid when signing a contract is bank mortgage fees, and the charging items of commercial loans are slightly different among banks; Mortgage registration fee: 8 yuan/household, stamp duty of warrants: 5 yuan/household, insurance premium: property insurance premium = total house price × annual rate × service life coefficient. The insurance premium is paid in one lump sum.

how to handle the real estate license?

1. Make sure that the developer has made initial registration in relevant departments.

2. Go to the management department to collect and fill in the Application Form for Registration of House (Land) Ownership, and the developer needs to sign and seal the application form after filling it out.

3. Take the mapping chart (table): As the mapping table is an important basis for the registration department to determine the area marked on the real estate license, it is one of the necessary materials. You can apply to the housing area measurement station designated by the developer and get the surveying and mapping form, or you can take your ID card directly to the developer and apply to the registration department for surveying and mapping the housing area.

4. Obtain relevant documents: When you ask the relevant departments in advance, be sure to specify which necessary application documents need to be obtained, and complete them at one time.

5. Pay the public maintenance fund and deed tax: the public maintenance fund is generally collected by the community office in the area where the real estate is located. In some cities, banks have begun to collect the public maintenance fund. Please ask the staff of the developer for the method of payment.

6. Submit application materials.

7. Get the real estate license according to the specified time: Be sure to keep the notice of getting the certificate given by the management department and get the real estate license according to the time notified above.

Legal basis:

Provisional Regulations of the People's Republic of China on Deed Tax Article 1 Where the ownership of land and houses is transferred within the territory of the People's Republic of China, the units and individuals who bear the deed tax shall pay the deed tax in accordance with the provisions of these regulations.

article 3 the deed tax rate is 3-5%.

The applicable tax rate of deed tax shall be determined by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government according to the actual situation in their respective regions within the range specified in the preceding paragraph, and reported to the Ministry of Finance and State Taxation Administration of The People's Republic of China for the record.

Stamp Tax Law Article 1 Units and individuals that make taxable vouchers and conduct securities transactions within the territory of the People's Republic of China are taxpayers of stamp duty and shall pay stamp duty in accordance with the provisions of this Law.

units and individuals that collect taxable vouchers for domestic use outside the people's Republic of China and China shall pay stamp duty in accordance with the provisions of this law.

article 2 the term "taxable vouchers" as mentioned in this law refers to the contracts, property rights transfer documents and business account books listed in the table of stamp tax items and rates attached to this law.