I want to buy a house of 80 square meters, but I already have a house of 120 square meters. What is the tax point?

I want to buy a house of 80 square meters, but I already have a house of 120 square meters. What is the tax point? According to Caishui [2016] No.23: (2) If an individual purchases a second improved family house with an area of 90 square meters or less, the deed tax will be levied at a reduced rate of 1%; If the area is more than 90 square meters, the deed tax shall be levied at a reduced rate of 2%.

Deed tax payable for the house = total purchase price ÷( 1+5%)×2%.

I already have a 60-square-meter second-hand house and want to buy another 80-square-meter one. The process of renaming and transferring second-hand houses with normal taxes and fees mainly includes the following four steps:

1. There is no loan between the buyer and the seller: the buyer and the seller agree on a contract signing date; Pay the down payment to the seller within three working days after signing the general contract; And set the time for the real estate to enter the trading center. On the day of entering the trading center, the seller shall pay all the house payment except the final payment. After 20 working days, get a new real estate license; With the new real estate license, handle the property handover procedures, transfer the water, electricity and coal, and finally settle the balance to the seller when handing over the house.

Second, the seller has not paid off the loan: the buyer and the seller agree on a contract signing date; Within three working days after the signing of the general contract, the down payment shall be paid to the intermediary company for supervision; The seller, the buyer and the intermediary company witnessed the repayment of the outstanding bank loan of the landlord. After 7 working days, the bank loan ends, and both parties agree on a time for a real estate to enter the trading center; On the day of entering the trading center, the seller shall pay all the house payment except the final payment.

After 20 working days, get a new real estate license; Handle the handover procedures of real estate with the new real estate license and transfer the ownership of water, electricity and coal; Finally, when the house is delivered, the buyer pays the final payment to the seller.

Third, the buyer's loan to buy a house: first, review the buyer's loan amount and credit standing; After the verification is correct, both parties reach a sales agreement. The buyer and the seller agree on the date of signing the contract; Within three working days after the signing of the general contract, the buyer shall pay the down payment to the seller; The buyer signs a loan agreement with a loan company or bank; After the loan review is completed within 7 working days, both parties agree on the time when the property will enter the trading center; Get a new real estate license after 20 working days in the trading center; Bank loans to sellers with new real estate licenses; Handle the handover procedures of real estate with the new real estate license and transfer the ownership of water, electricity and coal; Finally, when the house is handed over, the buyer will settle the balance with the seller.

4. Both the buyer and the seller have loans: first, review the loan amount and credit status of the buyer; After the verification is correct, both parties reach a sales agreement. The buyer and the seller agree on the date of signing the contract; Within three working days after the signing of the general contract, the buyer will pay the down payment to the intermediary company for supervision; The Seller, the Buyer and the intermediary company witness to pay off the outstanding bank loan of the Seller; After 7 working days, the bank loan is concluded, and the buyer signs a loan agreement with the loan company or bank; After the loan review is completed within 7 working days, the buyer and the seller agree on the time when a property will enter the trading center; Get a new real estate license after 20 working days in the trading center; Bank loans to sellers with new real estate licenses; Handle the handover procedures of real estate with the new real estate license and transfer the ownership of water, electricity and coal; Finally, when the house is handed over, the buyer will settle the balance with the seller.

Time required for transfer of real estate license:

If there is no problem with the materials, you must go to the real estate bureau to fill out some forms and a stock house contract. The amount on the stock contract must be the same as that on the contract. After the materials are submitted to the real estate bureau, there will be a receipt, and the tax must be paid on the date mentioned above, which usually takes about 15 working days. After paying the tax, I'll wait in line there to get a new real estate license. The time limit for handling the real estate license is 10 working days (from the day after accepting the registration).

Fees to be paid for the transfer of second-hand houses:

Transaction tax * * * covers 8 taxes, mainly including deed tax, business tax, stamp duty, urban construction tax, personal income tax, land value-added tax, education surcharge and local education surcharge. The collection rate of various taxes varies from region to region, but there is little difference.

1, deed tax: the basic tax rate is 3%, and the preferential tax rates are 1.5% and 1%.

The expropriation rate of ordinary houses is 65438+ 0.5% of the transaction price, and the expropriation rate of non-ordinary houses is 4% of the transaction price. Specific collection ratio: ordinary houses below 90 square meters (65438+ 0% for the first set and 3% for the second set); 90 to 140 flat ordinary houses (1 set 1.5%, 2 sets 3%); Unusual houses such as villas (4% of the transaction price).

2. Business tax: the tax rate is 5.5%.

According to the 20 10 new real estate policy, for non-ordinary houses sold for less than five years, for non-ordinary houses sold for more than five years, or for ordinary houses sold for less than five years, business tax will be levied in full according to the difference between the two transactions, and for ordinary houses sold for more than five years, business tax will be exempted.

Step 3 stamp duty

First, the proportional tax rate, which is 0.05% for real estate property right transfer documents and 0.03% for housing lease contracts and real estate sales contracts;

The second is the fixed tax rate, which is applicable to the real estate title certificate, including the house title certificate and the land use certificate. The tax rate is per 5 yuan.

4. Individual income tax: the tax rate is 65438+ 0% of the total transaction amount or 20% of the difference between the two transactions, which shall be borne by the seller.

Conditions for collection 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.

Note: If it is the only residence of the family, but the purchase time is less than 5 years, it needs to be paid in the form of tax deposit first. If you can re-purchase the property and obtain the property right within one year, you can refund the tax deposit in whole or in part, and the specific refund amount will be refunded according to the lower transaction price of two houses.

5. Urban construction tax, education surcharge and local education surcharge.

Such taxes are levied on the basis of business tax, and urban construction tax, education surcharge and local education surcharge are paid according to 7%, 3% and 1% of the actual business tax respectively.

Note: Fund supervision is beneficial to both buyers and sellers of second-hand houses. It is provided by an independent third party (fund supervision institution/bank) to protect the interests of both parties, avoid disputes over the sale of second-hand houses and reduce the transaction risk of second-hand houses.

I already have a house and want to buy a 74-square-meter second-hand house. How much does it cost to transfer170 thousand? What are you talking about? Houses are restricted everywhere. But such a cheap house is estimated to be available in both urban and rural areas. It should be calculated according to the price of your local tax return machine.

I want to buy a house of 120. How much is the down payment The down payment ratio of the first suite is 20%-30%, the down payment ratio of the second suite is 50%-70%, and the execution interest rate is 1. 1 times of the benchmark interest rate. The down payment ratio will be different in different regions.

The number of mortgage sets, actual mortgage interest rate, mortgage ratio and mortgage period of the first-hand house shall be subject to the approval of the bank; (Under normal circumstances: the first home loan, the down payment of ordinary housing is not less than 30%, and the benchmark interest rate is implemented; The down payment for the second home loan is not less than 60%, and the benchmark interest rate is raised by10%; Three suites are not allowed.

At present, there are great differences in the calculation of loan down payment between buying a house, buying a new house and buying a second-hand house. When applying for a new house loan, the down payment is based on the market price at the time of purchase, and the loan ratio is determined after various audits according to the number of personal loans and the credibility of personal loans.

Different from the new housing loan, the second-hand housing loan is based on the "second-hand housing evaluation price" as a reference. The so-called appraisal price is based on the market situation at that time, and the professional appraisal institution designated by the bank evaluates and calculates the value of the property.

Generally, the evaluation price of second-hand houses is lower than the market price. Appraisal prices are mostly 80%-90% of the market value of second-hand houses, and some houses will be lower.

I have a 92-square-meter house. Do I have to pay property tax if I want to buy another 70-square-meter house? The house your father bought has the right to enforce the property if necessary before the property right change registration. According to your account, the house still belongs to the original owner.

I have a flat set of 170 (it has been five years), and now I want to buy a flat set of 1 18. After buying a house, if there is a property tax, first of all, I have to pay the property tax in the second place, and there is no discount on the loan, so the down payment is relatively high. The tax on selling the first house will be high, but it can be borne by the buyer, but it is bound to require you to make a profit on the house price;

If the first house is definitely for sale, you'd better sell it before buying it. Not only can tax be reduced, but also the down payment ratio and repayment tax rate can be reduced.

If you buy a house with 70 square meters of wine and a house with 56 square meters of wine, you need to pay more taxes. If it is a new house, it is deed tax 1%, second-hand house has business tax of 5%, personal income tax 1% or 20% of the difference. The house is exempt from business tax for two years, and the only house of the seller is exempt from personal income tax for five years.

I have a 40-square-meter house under my name, and now I want to buy an 83-square-meter house. The deed tax for the second suite is 40 square meters for the first set and 83 square meters for the second set, and the deed tax is 2%.

Second-hand housing transfer requires buyers and sellers to sign a sales contract with the Housing Authority with the original ID card, household registration book, marriage certificate, real estate location, land use certificate or real estate license and a copy, then pay the deed tax in the local tax, and finally complete the transfer in the real estate registration center.

Second-hand housing transfer is charged according to the local tax guidance price, according to the following proportion:

Below 90 flat, deed tax 1%, above 90 flat, deed tax1.5%;

The value-added tax is about 4.76%, which can be reduced or exempted after 2 years;

Personal income tax 1%, which proves that it is the owner's only house for 5 years and can be reduced or exempted;

The above is the first suite, the area of the second suite is less than 90 square meters, the deed tax is still 1%, and it is 2% above 90 square meters. Everything else is the same; For three suites and above, the deed tax is levied at 3%.

I want to buy a house, but I already have one. What's the loan interest rate? When applying for a personal loan at China Merchants Bank, the actual "loan interest rate" you can apply for is comprehensively priced according to the business type, personal solvency, credit status, guarantee method and other factors, and can only be determined after approval by the handling outlets. If you want to know the current benchmark loan interest rate, please go to the home page of China Merchants Bank and click "Loan Interest Rate" on the right.

The buyer already has a house of 60 square meters. How much deed tax does it cost to buy a second-hand house of 8 1 square meter? This belongs to buying a second house. According to the current policy, the deed tax rate is 2% of the purchase price of the property.