What taxes and fees need to be paid for buying a house, and how to reduce the cost of buying a house?

The new house needs to pay taxes: 1, deed tax. The deed tax is levied at the reduced rate of 1% for ordinary houses below 90 square meters, 1.5% for ordinary houses above 90 square meters (inclusive) and 1.5% for non-residential houses above 144 square meters (inclusive). 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 invoice.

2. Stamp duty. The total transaction volume of houses is *0.05%, and the state has temporarily exempted the collection of stamp duty on houses since 2009. 3. Maintenance fund. About 2%-3% of the purchase price. 4. Ownership registration fee. Ownership registration fee is the fee for handling property right certificate, 80 yuan/set. 5. Transaction costs. 3 yuan/m2× construction area (subject to the actual surveying and mapping area).

6. Property management fee. From the date of repossession, from the date of acceptance of the house by the purchaser. 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.

Second-hand houses need to pay taxes: 1, deed tax. The residential housing standard is paid at 3% or 1.5% or 1% of the total house price, and the specific proportion of each house should be determined according to the relevant national policies, purchase time, unit price, purchase area and whether to purchase the house at 1 time. Non-residential houses shall be paid at 3% of the total house price.

2. Business tax. Houses more than 2 years old no longer distinguish between ordinary houses and non-ordinary houses. Individuals who purchase houses for more than 2 years (including 2 years) for external sales shall be exempted from business tax. At present, the business tax standard for the sale of real estate in China is 5% of the sales, plus urban maintenance and construction tax, education surcharge and local education surcharge, which is 5.6% of the sales.

3. Personal income tax. Generally, the seller promises that if it is the seller's only house and has lived in it for more than five years, there will be no such tax. However, although the seller has lived in this house for five years, this house is not his only property, so this tax is still payable.

4. Land value-added tax. 5. Ordinary houses are exempted; Non-ordinary residence within 3 years: total house turnover *0.5%, 3 to 5 years: total house turnover *0.25%, 5 years and above: exempt. 6. Stamp duty. Five ten thousandths of the total house price. 7. The transaction cost is square meters *3. 8. The cost of title certificate is around 80 yuan.