What fees should I pay for buying a second-hand house?

Hello, the expenses to be paid for buying a second-hand house include house payment, deed tax, personal income tax, value-added tax and additional tax, and the total cost is about several hundred thousand. How much it costs to buy a second-hand house is related to the original market value of the house, and the tax paid in the later period is also determined according to the purchase price of the house.

1. What do I have to pay for buying a second-hand house? How much will it cost?

1, house price

House price refers to the total price needed to buy a second-hand house. Although second-hand houses can be purchased by loans, some sellers demand to pay the full amount. In this case, all the house prices must be prepared first. House price is the most significant fund in the cost of buying a house, but measuring the cost of buying a house is not just house price. The price cost of buying a house is the core cost of buying a house, and the price of the house directly determines the cost of buying a house.

2, taxes and fees

The tax on buying a second-hand house is more than that on buying a new house. The tax on buying second-hand houses mainly consists of three parts: deed tax, personal income tax, value-added tax and surcharges.

3. Down payment and loan fees

Buying a second-hand house can also apply for a housing loan. In the case of buying a second-hand house, the buyer can choose to pay the full amount of the house, or choose to pay by loan. If the buyer pays the loan, then the corresponding down payment should be prepared.

4. Agency fee

Because personal access to second-hand houses is limited, many friends will choose intermediary companies to help when buying second-hand houses. If property buyers buy second-hand houses through intermediaries, they also need to pay a certain service fee to the intermediary company. The specific service fee paid depends on the charging standard of each city.

5. Other expenses

In addition to the main expenses mentioned above, we should also consider other miscellaneous expenses, such as the evaluation cost of the total price of purchased second-hand houses, the guarantee cost generated by loans, and some relatively small expenses, such as handling fees and real estate registration fees, which are charged according to the relevant charging standards of different cities.

Second, what are the precautions for buying second-hand?

1. Be sure to check the property rights before signing the contract.

Before signing the contract, it is very important to confirm the property right in person, especially the second-hand housing transaction, in addition to the previous property right inquiry. Property buyers need to be accompanied by the seller or intermediary, take the real estate license to the local real estate transaction office to verify the property rights, and then sign a formal commercial housing sales contract with the seller.

2. Keep the supporting documents of any expenses.

For real estate transactions, there will be a lot of taxes and fees and other expenses during the transaction, which are part of important transaction materials and must be properly preserved. When there is a dispute in the transaction, it is an important proof document and may be needed during the transaction, so it should be carefully kept.

3. Don't sign the power of attorney easily

Usually it may involve situations that need to be entrusted, such as entrusting intermediaries to confirm property rights, handle mortgage loans, and handle transfer procedures. But buying a house is not a trivial matter after all, so don't entrust what you can handle. If you need to entrust, you must be clear about any form of entrustment. When the buyer thinks that a commission is not needed, he can make a specific agreement with the intermediary.

If you buy a second-hand house in different ways, the fees you need to pay are different. If you buy from an acquaintance, you need to pay the purchase price of the house, and then pay taxes such as deed tax to the tax authorities. If you buy through an intermediary, you also need to pay an intermediary fee.

legal ground

Article 22 of the Measures for the Administration of Commercial Housing Sales stipulates that real estate development enterprises shall not sell commercial housing or charge the buyer any fees with the nature of advance payment if they do not meet the conditions for the sale of commercial housing. If it meets the conditions for the sale of commercial housing, if the real estate development enterprise charges the buyer the prepayment fee before concluding the contract for the sale of commercial housing, the fee collected shall be regarded as the house price when concluding the contract for the sale of commercial housing; If the parties fail to conclude a commercial housing sales contract, the real estate development enterprise shall return the fees collected to the buyer; Unless otherwise agreed by both parties, the agreement shall prevail.