How much does it cost to buy a second-hand house with a loan? For example:

1. Individual income tax: (The seller shall pay 0% and 2% of the total transaction amount or 20% of the difference between the two transactions) Collection conditions: individual housing transfer income tax shall be paid for the sale of non-unique houses by families. There are two conditions here: the only house in the family; The purchase time is over 5 years. If both conditions are met at the same time, individual income tax can be exempted; If you don't meet any conditions, you have to pay personal income tax.

2. Stamp duty: (tax rate 1%, equally shared by the buyer and the seller). However, since 2009, the state has temporarily exempted the collection.

Three. Deed tax: (the basic tax rate is 3%, and the preferential tax rates are 1.5% and 1% to be paid by the buyer) Collection method: 3% of the total transaction amount is levied at the basic tax rate, and the buyer pays/kloc-0 of the total transaction amount for the first time to purchase an ordinary house with an area less than 90 square meters and an ordinary house with an area greater than 90 square meters (including 90 square meters).

Note: Only when you buy for the first time and own an ordinary house can you enjoy the discount. The discount of deed tax is calculated by individuals, and you can enjoy the discount as long as you pay the deed tax for the first time. If the property purchased by the Buyer is non-ordinary residence or non-residence, 3% of the total transaction amount shall be paid.

4. Surveying and mapping fee: 1.36 yuan/square meter, total amount = 1.36 yuan/square meter * actual surveying and mapping area (the standard of surveying and mapping fee for housing reform under the new policy after April 2008: 200 yuan under 75 square meters, 300 yuan over 75 square meters,1400 yuan over 44 square meters).

5. Total transaction cost of second-hand houses: residential 6 yuan/m2 * actual survey area, non-residential 10 yuan/m2.

Registration fee for intransitive verbs: (fee) Certificate of ownership of 80 yuan * * *: 20 yuan. Materials required:

1. The local taxation bureau needs a copy of the seller's husband and wife's ID card and household registration book (if the seller's husband and wife are not in the same household registration book, a copy of the buyer's ID card, online sales agreement and real estate license (if the seller's spouse is dead, a copy of the death certificate of the police station is also needed)?

2. The Housing Authority needs to sign an online sales agreement, the original real estate license, two new mapping drawings, and a copy of the tax exemption certificate or tax payment certificate; For example, for the houses directly reconstructed in the province, two copies of the Confirmation Form of Public Housing Purchased and the attached table 1 are required.

Note: The joint signature of spouses is required when changing rooms. If the spouse has died but used the length of service, if it is after the housing reform, it is necessary to do inheritance notarization before the transaction transfer; The original death certificate issued by the police station should be submitted before the housing reform. Provincial housing reform also needs to fill in the "confirmation form of purchased public housing" in duplicate, which will be confirmed by the unit and the provincial housing reform office, and the original housing reform bill will be submitted.

Extended data:

Second-hand housing loans are determined according to the borrower's personality, occupation, education level, repayment ability, liquidity of purchased housing (including mortgaged housing) and other factors. Specifically, there are several points:

(1) Male's actual age plus loan period is less than 65 years old, female's actual age plus loan period is less than 60 years old, China nationality, unlimited household registration, no criminal or non-performing loan record, and stable income;

(2)/kloc-permanent residence of urban residents aged 0/8 with full capacity for civil conduct or legal and valid identity documents;

(3) If there is a second-hand house sales contract, pay a down payment;

(4) have a stable occupation and legal income, good credit, and the ability to repay the principal and interest on schedule;

(5) When applying for a loan, the purchaser has its own funds not less than 20% of the purchase price;

(6) When the borrower agrees to use the purchased house and its rights and interests as collateral, or the borrower fails to provide the mortgaged (pledged) things in full, a unit or individual recognized by the lender and meeting the specified conditions and having sufficient compensatory capacity will serve as the guarantor to repay the principal and interest of the loan and bear joint liability;

(7) The purchased second-hand houses have clear property rights and meet the requirements for Shanghai to enter the real estate market;

(8) The purchased house is not within the scope of the demolition announcement;

(9) The price of the purchased house basically conforms to the appraisal price of the lender or its designated real estate appraisal agency;

(10) Other conditions required by the lending bank;

References:

Baidu encyclopedia-second-hand housing loan