1. Deed tax

The standard of ordinary residential houses is paid at 3%/1.5%/1% of the total house price, and the transaction ratio is determined by the area of the house purchased by the buyer, whether it is the first time to buy a house, whether it is an ordinary house, etc. If the house purchased by the property buyer is a non-residential house, it must be paid at 3% of the total house price.

Reminder: The only ordinary commodity house in the family, the house with an area of 9-14m2, will have its deed tax halved (1.5% of the total price); The deed tax is levied at the rate of 1% for the only ordinary house with a floor area of 9 square meters or less.

2. Special maintenance fund

The house is equipped with an elevator, and the special maintenance fund = building area (㎡)×27.5 (RMB/㎡); If the house is not equipped with an elevator, the special maintenance fund = construction area (㎡)×22 (RMB/㎡).

3. Stamp duty

① The contract stamp duty is paid at .5% of the total house price (the second-hand house sale is temporarily exempted from stamp duty); ② Stamp duty on certificates (decals) 5 yuan/household.

4. Property registration fee

Residential houses are paid according to 8 yuan/household (5 yuan/household in some areas, plus 1 yuan for each additional person).

5. Transaction fee

6 yuan/㎡ for residential houses and .35% for non-residential houses.

6. Down payment

For ordinary houses, the down payment is calculated according to the number of units purchased by the buyers. 2% down payment for the first suite and 3% down payment for the second suite.

7. Expenses related to the loan

① Entrusted agency: 9 yuan (not required);

② Expenses related to mortgage

According to the regulations, provident fund loans will involve collecting assessment fees, guarantee service fees, personal insurance, life insurance and other additional fees for commercial loans.

evaluation fee: .5% of the evaluation result will be charged for the part with the evaluation price below 1 million, and .25% for the above part;

guarantee service fee: property insurance = loan amount × loan period × .8%;

personal insurance = loan amount × (main insurance premium rate+additional unemployment insurance premium rate);

life insurance: once every five years;

Additional fees for commercial loans: total amount of lawyer's fees, insurance premium, stamp duty and bank account opening fee.

8. Related expenses at the time of turnkey

① Property management fee: generally, the fee will be charged for half a year to one year;

② maintenance fee: 2% of the house price;

③ heating fee: specific charges in specific areas;

④ Cable TV access and annual subscription fee, with specific charges in specific regions;

⑤ renovation mortgage fee (overhaul fund: 7-2, yuan).

Extended information:

Second-hand house transfer process:

1. Investigate the property right of the transaction house: the buyers need to review the integrity, authenticity and reliability of the property right, and be optimistic about whether the owner's name on the property right certificate is consistent with the seller, whether there is a mortgage or someone, etc. before the transfer;

2. The buyer and the seller sign a second-hand house sales contract:

No matter whether it is a gift or a sale, the property needs to be transferred, and both parties to the transfer must sign a written transfer contract, that is, a second-hand house sales contract.

The contract for the sale of second-hand houses must include the names and domiciles of both parties, the name and number of the real estate ownership certificate, the location, area and boundary of the real estate, the land parcel number, the way and years of obtaining the land use right, the purpose or nature of the real estate, the price and payment method of the transaction, the time of delivery of the real estate, the liability for breach of contract and other matters agreed by both parties;

3. Appraisal of real estate: Under normal circumstances, real estate assessment needs to find an appraisal company, which takes about 5~7 working days;

4. Handling loans: If the property buyers handle the combination of provident fund loans and commercial loans, they need to apply for loans from the provident fund center and the bank at the same time; If you only apply for a commercial loan (mortgage loan), you only need to apply for a loan from the bank. This process is the longest stage in the second-hand housing transaction. After the loan is processed, we should pay attention to canceling the other warrants of the property;

5. Apply for transfer to the real estate management department: both buyers and sellers of second-hand houses apply to the real estate management department with real estate ownership certificate, legal certificate of the parties, transfer contract and other relevant documents, declare the transaction price and get the acceptance form;

6. Verification by the real estate management department: The real estate management department will review the relevant documents provided and make a written reply on whether to accept the application within 15 days; Accepted to verify the declared transaction price, and conduct on-site investigation and evaluation of the transferred house as needed;

7. Pay taxes and fees for second-hand housing transactions such as deed tax;

8. The real estate management department issues a new house title certificate. Both parties shall go to the real estate management department to obtain the certificate of real estate ownership with the transfer procedures.

Baidu encyclopedia-transaction tax on second-hand houses