When it comes to buying a house, many people think of the house price, which is the price of the house itself. But in addition, buying a house will involve many other expenses, such as inevitable taxes and fees. Many novice buyers know little about this. Let's introduce it in detail in the following small series. Remember to collect, avoid duplication in the process of paying taxes, and pay more energy and communication costs. We are divided into two situations, one is as a buyer, and the other is as a seller, that is, a seller.

Tax to be paid for buying a house:

(1) Taxes and fees payable for the purchase of commercial housing:

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

2. Stamp duty, 0.05% of the total purchase price.

(2) Funds:

1, housing maintenance fund, accounting for 2-3% of the total purchase price, and 2% in most places.

2, non-staple food price adjustment fund, 2 yuan/square meter, some places do not use.

(3) cost

1, transaction fee, 0.5% of the total house purchase price, 0.25% for the buyer and 0.25% for the seller (residential 3 yuan/m2, paid by the developer, not by the buyer).

2. The real estate license fee varies from place to place, but it does not exceed 100 yuan.

3. The cost of land use right certificate varies from place to place, but it does not exceed 100 yuan.

(4) In case of mortgage, the following expenses shall also be paid:

1, appraisal fee, 0.2-0.5% of the total purchase price.

2. Insurance premium: the total purchase price multiplied by the loan term multiplied by 0. 1% multiplied by 50%.

3. Notarization fee, the loan amount multiplied by 0.03% 4. Mortgage registration fee, 100 yuan.

Taxes payable on the sale of houses:

1. Value-added tax: If an individual purchases a house for less than two years and sells it to the outside world, the value-added tax shall be paid in full at the rate of 5%; Individuals who purchase houses for more than two years (including two years) for external sales are exempt from value-added tax;

2. Personal income tax: 20% of the real estate transaction profit or 1% of the house price. It is worth mentioning that individuals who have owned real estate licenses for five years and rarely rent houses can be exempted from personal income tax;

3. Stamp duty: 0.05% of the total house price;

4. Transaction cost: total area of the house * 3 yuan per square meter;

5. Education surcharge: 2% of business tax;