How to calculate the tax on buying a new house in 2020?

1, deed tax

(1) If you buy 90 square meters or less, and you only own this suite, in other words, you don't have any other house, then the deed tax will be levied at a reduced rate of 1%. Then many people will buy bigger houses. After all, the state has introduced the second child policy. For houses with an area exceeding 144 square meters, 3% are non-residential and 4% are non-residential. Usually the deed tax is paid together with the down payment, and the developer collects it. After paying the relevant fees, the developer will issue a formal purchase certificate.

(2) The stamp duty is 0.05%. When the contract is concluded, it will be paid directly, generally 0.05% of the total house price will be paid together with the down payment, so that the developer can uniformly handle the contract registration and real estate license. If you apply for a mortgage loan, the second set of fees to be paid when signing the contract is the bank mortgage fee, and the charging items for commercial loans are slightly different from bank to bank.

2. overhaul fund

2%-3% of the purchase price is public facilities and equipment maintenance fund (involving housing parts, such as exterior walls, roofs, sewers and water pipes). After a developer or a property management company wants to open an account in a bank designated by the local Housing Authority, the buyers can deposit it themselves. Generally speaking, when the buyers get the keys to check in, the developers will collect the housing maintenance funds.

3. From the transaction date, from the date when the buyer accepts the house.

If the developer issues a notice of occupancy and the purchaser fails to recover the building without justifiable reasons, the property management fee can be calculated from one month after the notice of occupancy is issued. Usually three months in advance. Property management fees shall be paid for houses that the property owner has not lived in for a long time or vacant houses that the developer has not sold. Ownership registration fee 80 yuan/suite ownership registration fee is the fee for handling real estate license.