We all know that buying a house requires paying for it. But when we're done with the house, we still have to pay some taxes. There are many kinds of taxes, but we have to pay the corresponding taxes according to our own house and according to the rules, which are not well known to many. So, what taxes do you pay to buy a house? Currently, our home buyers are required to pay five main fees, including tax fees, housing maintenance funds, property management fees, property registration fees and transaction fees. The purchaser is advised to know how the five taxes are calculated in advance before paying them. (the taxes and charges vary slightly from city to city and from region to region, for information purposes only, and some are subject to adjustment in line with country-specific policies
I. What are the taxes to pay for the purchase of a new house
1. Tax: 90 square metres and up to 3 per cent of non-residential housing, with a reduction of the tax rate of 1 per cent, 90 - 144 square metres of ordinary housing, and 3 per cent of non-residential housing. The tax is usually paid with a down payment and collected by the developer. (b) pay the relevant fees and the chamber of commerce issues a formal purchase of the house
Stamp duty: paid directly at the time of the conclusion of the contract, or 0. 05 per cent of the gross house price, usually in conjunction with the down payment, to facilitate the development of a single contract registration and property certificate
Bank mortgage costs: if mortgage loans are processed, the second group of costs to be paid at the time the contract is signed is bank mortgage costs, commercial loan charges, with minor differences between banks; a. Mortgage registration fees: $80/household; b. Tax on certificate of entitlement: $5/household; c. Insurance premiums: financial insurance insurance = gross house = annual rate × limit factor. (a) one-off insurance premiums (approximately 0. 07 per cent for 1-5 years, 0. 06 per cent for 6-10 years, 0. 055 per cent for 11-15 years, 0. 05 per cent for 16-20 years and 0. 045 per cent for more than 20 years)
4 major repair fund: 2 to 3 per cent of the purchase of housing is a maintenance fund for public facilities, shared equipment (covering common housing components such as exterior walls, roofs, sewers, plumbing, etc.). Fees are implemented in the following ways: a., excluding elevators: gross house x 2 per cent; b., including elevators: total house x 3 per cent; c., part of the pilot building is charged 50-60 yuan/frequency m2 (currently 50 yuan/m2) with the state maintenance fund, and the developer or property company may deposit the house itself after opening an account with a bank designated by the local housing authority. In general, when the buyer obtains the keys, the developer collects funds for the maintenance of the house
5. Property management fees: from the date of receipt to the date of acceptance of the house by the purchaser. Property management costs may be calculated one month after the issuance of the occupancy letter if the buyer does not take over the building without proper justification after the developers issue the entry notice. In general, three months in advance; property management fees are paid for long-term unsold houses or vacant premises not sold by the developers
6. Right-of-title registration fee: 80 yuan/snare, which is the cost of processing the property certificate
7 transaction fees: housing area x3/m2; non-residential area x11/m2。
Ii. What taxes are to be paid for the purchase of used rooms
(a) tax: 1. 5 per cent for ordinary dwellings and 4 per cent for businesses or apartments; 3 per cent or 1. 5 per cent or 1 per cent of the total housing price for residential types of dwellings, the specific percentage of each contribution to be determined in accordance with the relevant state policy, such as the purchase time of the buyer, the unit price, the size of the purchase, whether or not the first purchase took place; 3 per cent of the total housing price for non-residential types
2 business tax: 5 per cent of the gross house price (general buyer, if the seller had a flat, without such tax for more than two years)
3. Business surcharge
(a) personal income tax: a general buyer is liable to pay if it is the seller's house and does not have it for more than five years, but although the seller has lived in the house for five years, the house is not his property
5. Land concessions: 1 per cent of the total housing bill (pays when buying a new house or similar, and only once, and the buyer no longer needs to pay if you sell it later)
6. Stamp duty: five per 10,000 of total housing
Transaction costs: square metres*3 (equal amount due by both buyer and seller)
8. Proprietary allowance: approximately $80. Not necessarily that number
9. Other certificate costs: approximately $80 (only for the loan)
10. Mortgage registration fees: based on bank conditions
Insurance premiums: determined on the basis of insurance companies
12. National certificate office fees: paid in accordance with the relevant provisions。
Iii. The cost of buying the house
1 property management fees: the owner is required to pay property management fees after taking over the house, but the owner can pay monthly and quarterly, and the property company has no right to impose a one-time payment of long-term property management fees on the owner as a condition for admission
Water and electricity working capital: property companies are not entitled to receive water and electricity working capital if they apply a single table in accordance with the relevant provisions in force
3. Gas start-up fees: in practical terms, the collection of no gas start-up fees depends on the existence of an agreement between the developer and the household, for example, when the developer does not commit to the gas pipeline at the time of sale, but rather states that the owner is responsible for it, which presupposes the charging of gas start-up fees at the time of delivery
Cable television, wide-wire network opening fees: this fee is not covered by property charges, and the owner is not obliged to pay the fee prior to residence if there is no agreement between the owner and the developer, and the owner may process and pay for the account with the relevant institutions (cable television administration and telecommunications agency)
5. Proprietary fees: developers are not entitled to enforce proprietorship if there is no basis for contract or if the owner is willing. A reasonable surrogate fee may be charged for the developer's title, where there is a contractual basis or with the consent of the owner
Area surveying fees: the principle of collection of area survey fees is “who commissions and pays”, and the contract for the purchase of a dwelling already imposes an obligation on the developers to provide space measurement data to the purchasers, so that the fee is paid by the developers。
