I bought a second-hand house locally in Jinhua Yongkang. I am the first suite. What fees and taxes do I need to pay in the process of buying a house?

Taxes and fees to be paid for ordinary second-hand housing transactions:

1. Taxes and fees to be paid by the buyer:

1. Deed tax: 1.5% of the house price (3% is required for those whose area is over 144 square meters, and 1% is required for those whose area is below 9 square meters and they are the first suite)

2. Stamp duty: .5% of the house price

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2. Taxes payable by the seller:

1. Stamp duty: .5% of the house price

2. Transaction fee: 3 yuan/square meter

3. Business tax: 5.5% of the total amount (if the real estate license is less than 5 years)

4. Personal income tax: 2% of the profitable part of the real estate transaction or 1% of the house price. We must pay great attention to the following issues:

1. Determine the area of the house

The price of the real estate is closely related to the area, and we usually calculate the price according to the area of the house. Therefore, when buying a second-hand house, we must find out the exact construction area. Some second-hand houses have been used for a long time, belonging to older houses. Due to the errors in surveying and mapping at that time, some donated areas and other reasons, sometimes the actual area of the houses sold does not match the area indicated on the property certificate. Therefore, it is agreed in the contract that the area of the house to be sold should be based on the area indicated on the current property certificate, excluding other areas.

2. Find out the ownership of the house

Ownership is the basis of real estate transaction and the key point to be considered when buying a house. Therefore, before buying a second-hand house, we must determine the authenticity, integrity and reliability of the ownership of the house. For example, does the owner of the house have a "* * * right" relationship with others? Are there any other disputes over creditor's rights and debts in the house? These are all important aspects.

only when the ownership of the house sold is clear can you buy it with confidence. Among them, the most crucial point is that the seller must produce and provide legal "house ownership" documents. If you don't have this ownership certificate, you are advised not to buy it easily.

3. Understand whether the house has the right to transfer

There is a common sense that we need to know, that is, ownership does not necessarily have the right to transfer, and ownership does not mean the right to transfer. For example, some public housing is not transferable; The house used by the owner for mortgage is not allowed to be sold before the mortgage expires. Therefore, before the transaction, we must find out whether the purchased second-hand house belongs to the house that is allowed to be sold.

If the seller does not have the right of transfer, it is best not to buy his house, even if the price is lower, so as to avoid disputes in the future.

4. Understand the procedures of second-hand housing transactions

Real estate transactions need to go through a series of procedures, and it is very necessary to understand the prescribed procedures for buying second-hand housing. In this way, unnecessary troubles can be reduced and the time spent on purchasing can be saved.

generally, buying a second-hand house goes through the following steps: the buyer and the seller sign a House Purchase and Sale Contract, and go to the market transaction management department of the District and County Bureau of Land and Housing Management where the house is located to handle the formalities of selling and registering the purchased house, transferring the house and paying the taxes and fees stipulated by the state. For these procedures, property buyers should keep in mind, which will greatly facilitate the purchase of houses, so that you can easily move into a satisfied house.

5. Find out the details of the house

As the saying goes, "Details decide success or failure", which shows the importance of details. In the process of real estate inspection, we should also pay full attention to some details: some conditions should be written into the contract as far as possible and implemented on paper to avoid unnecessary trouble. For example, the owner only verbally assured you that all the aluminum alloy doors and windows, floors, air conditioners, cabinets and water heaters decorated in the house could be given away. As a result, when the house was actually handed over, the customer found that the doors and windows were removed and the floor was pried, and the house was in a mess. The air conditioner and water heater promised by the owner were even missing, or the owner asked to sell some items in the house to the customer at a discount, which was very unpleasant.

Therefore, it is possible to avoid the above situations only if the details of submission are clarified. If you are careless and in a daze when buying a house, it will be more troublesome when there is a problem.

6. Mastering the payment method

Payment is a very important link in the real estate transaction process, so when signing a house purchase contract, you need to pay attention to every link of the payment method.

For example, both parties can agree that the payment method should be specified, and when signing the House Purchase and Sales Contract, the customer will pay a deposit equivalent to% of the house price to the owner or intermediary company. In this way, knowing the payment method can effectively avoid a lot of troubles, which is necessary to ensure the smooth purchase of houses.

7. Grasp the delivery time of the house

Besides the payment method, we should also understand the delivery time. When the contract is signed, the time of house inspection should be clearly indicated, such as the working days after the transfer or other time agreed by both parties. In addition, who will bear the expenses incurred before and during the house inspection, and other agreements between the two parties should also be indicated in the contract to avoid disputes in the future.

Some real estate developers and buyers often have disputes over the delivery time. Real estate developers sometimes cheat customers to buy their own houses under the pretext of letting buyers live in advance. If the delivery time is determined by contract, we can avoid these troubles and avoid being deceived.

8. Understand intermediary guarantee

Many housing intermediary companies not only handle the transfer business, but also provide intermediary services. Mediator service refers to the intermediary company as an intermediary to ensure the success of the transaction between the two parties, that is, to ensure that after the successful transaction, the buyer can get the property certificate without property disputes, and the seller can get all the transaction money.

if an intermediary company provides intermediary services for real estate transactions, the intermediary contract should not only indicate the rights of the intermediary company, but also indicate the responsibilities and obligations of the intermediary company, such as the delivery time, delivery method and related tax details. In this way, understanding the intermediary guarantee will also reduce unnecessary troubles, which is a good thing for both buyers and intermediary companies.

9. Understand the liability for breach of contract

Although the seller and the buyer have signed a contract, the possibility of breach of contract is not without. If the owner breaches the contract, it will bring unnecessary troubles and losses to the buyers, the previous work will be wasted and other opportunities during the negotiation will be missed. Therefore, in order to avoid this kind of loss, the liability for breach of contract must be clearly stated in the contract, and the responsibilities and obligations of both parties should be agreed, such as the liability for breach of contract, liquidated damages, overdue payment, late payment and other breach of contract, so as to avoid disputes.

In addition, the responsibilities must be clearly defined, not vague, and the responsibilities of the two cannot be confused, which is irresponsible for either party.