20 17 how much is the transfer fee of Zibo real estate?

Second-hand Housing transfer fees: The transaction process of second-hand housing is more complicated than that of new housing, and the upfront cost involved is also more than that of new housing. Most owners know that the down payment ratio of second-hand houses is higher than that of new houses, and they have to bear intermediary fees. The only house that has not been two or five years has to bear some taxes and fees for the owners.

Second-hand housing buyers need to prepare money:

1. down payment: after the house is selected, the down payment is down payment, and the upper limit of this money is 20% of the total house price; The deposit is punitive, so make sure two things before paying the deposit. One is to make sure that you can make a normal loan (as for whether you can make a loan, you can check my previous article), and the other is to make sure that the owner of the house has any property disputes and the owner has any debt disputes, which may affect the property rights of the house. If the follow-up goes smoothly, the deposit will become part of the house payment. If not, determine the ownership of the deposit according to the contract;

2. Down payment: The down payment of second-hand houses is quite different from that of new houses. There is a uniform minimum down payment standard for new houses everywhere. The total price of second-hand housing is affected by factors such as the age of the house, the evaluation price will shrink, the actual loan amount will shrink, and the down payment ratio will increase accordingly. Therefore, the down payment needs to be determined according to the specific house. The lowest down payment is generally a new house, and the highest may be a super old house near an urban school, and even some loans may need to be repaid in full;

3. Deed tax: Deed tax must be paid. North, Guangzhou and Shenzhen implement independent standards. The first suite is less than 90 square meters 1%, over 90 square meters 1.5%, and the second suite is 3%. The tax base is online signing price or nuclear pricing (nuclear pricing is also called guiding price, and whoever is higher is the tax base);

4. Individual tax: when the house is not "full of five independent families", it involves individual taxes, and the collection standards of individual taxes vary from place to place;

As for the two calculation methods, which is more cost-effective, it needs to be calculated according to the local property market. Generally, cities with relatively high housing prices have relatively high cost performance according to the price of online signing;

5. Value-added tax: the house has lived for two years and is exempt from this tax; When the house is less than two years old, you need to pay 5.65% value-added tax. According to the simple tax calculation formula, the online signing price is /( 15%)×5.65%. In some popular cities, value-added tax is also levied on non-ordinary housing for more than two years, and the calculation method is the same as above;

6. Agency fee: The agency fee is not fixed and is determined by the market. Usually, car owners can also bargain. Take a large intermediary in Beijing as an example, the standard intermediary fee is 2%, and the special intermediary fee will go up by 10%, plus 0.5% guarantee fee. The total cost is between 2.5% and 2.7%. The proportion of this cost sharing also needs to be determined according to the local market. Generally, there are more buyers in cities with good market share, and many intermediaries in Beijing quote owners "the price at hand". In this case, the agency fee is often borne by the buyer in full;

7. Down payment for monthly payment: buying a second-hand house means buying an existing house. The loan came down soon, and the first repayment was coming soon. Money should be prepared to avoid being caught off guard when the house is hollowed out;

8. Property fee: after the property is delivered, it is generally necessary to make up the property fee for one year;

9. Decoration fee: The decoration fee can be more or less, which needs to be decided by yourself. But in general, it will cost about1-300,000 yuan just to install the house. Of course, some former owners of second-hand houses can pack up their bags and stay in, saving the money in a short time;

10. Some small expenses: from a practical point of view, the names of these expenses are uncertain, but they are roughly as follows: ownership registration fee, transaction fee, stamp duty, mortgage registration fee, contract notarization fee and evaluation fee (required for loans). Together, these expenses should be less than 10 thousand yuan.