How much does it cost for an individual to buy and sell a house?

In a normal second-hand housing transaction, the expenses to be paid mainly include the commission of the real estate agent, mortgage fees and transaction taxes.

Real estate agency commission is the service remuneration paid by the buyer and the seller to the real estate agency company, which was clearly agreed by the three parties in the previous contract and paid after the transaction was successful. Different intermediary companies may implement different standards. However, the price department stipulates that the commission paid by the buyer and the seller respectively cannot exceed 3% of the transaction price. According to the reporter's investigation, in most intermediary companies in Huizhou, if the intermediary company provides the transaction and the intermediary company facilitates the transaction, it generally charges 3%, and individual companies can also bargain appropriately. If the buyer and seller negotiate the transaction by themselves, only the intermediary company is entrusted to handle the transfer formalities, and the commission is generally low.

When mortgage or sub-mortgage is involved, the service fees of mortgage companies, appraisal companies, banks and other related institutions need to be paid. Mortgage expenses mainly include:

1. Housing survey fee: 90 yuan for each certificate shall be collected by the Housing Authority;

2. Housing appraisal fee: the appraisal price ×0.5%, which will be collected by the appraisal company. Do not need an assessment report, only the initial assessment fee 300 yuan;

3. Mortgage agency fee: the service fee charged directly by the mortgage company, with the standard of loan amount × (1%-1.5%); Different mortgage companies have different standards, which are generally 1% or1.2% of the loan amount;

4. Loan insurance premium: loan amount × 1.2×0. 1%× loan period, which shall be collected by the insurance company. The longest term of second-hand housing mortgage loan is 30 years;

5. Notarial fee for loan contract: 300 yuan for each case;

6. Notary fee for the agreement of the mortgage contract: 300 yuan per piece;

7. Transaction entrustment notarization fee: 200 yuan per piece;

8. Bank provident fund agency fee: each 500 yuan case is charged by the relevant bank, but most banks do not;

9. Registration fee for other rights: 250 yuan for each certificate shall be collected by the Housing Authority;

10. Stamp duty on loan: 0.005% of the loan amount, which will be collected by the bank.

In addition, individual banks will charge a refinancing fee, ranging from 1 1,000 yuan per case in 500 yuan.

There are six transaction taxes.

Second-hand housing transaction taxes are directly collected by the local taxation bureau and the Housing Authority, mainly including:

1. Transaction deed tax: appraisal price ×1.5%; If the property purchased or traded by the unit is non-residential, the transaction deed tax standard is the appraised price ×3%. If the transaction property is a reformed house, the buyer also needs to pay personal income tax: transaction price × 1.3%, premium × 1%, and pool area difference: interior area × 10.98%× evaluation price × 10%. 60 yuan-120 yuan /m2, the standard of seller's premium for second-hand commercial housing transactions;

2. Transaction stamp duty: the appraised price × 0.05%;

3. Transaction management fee: 3 yuan /m2 for residential property and 6 yuan/m2 for commercial property;

4. Transaction registration fee: 60 yuan/person per case, calculated according to the number of owners registered in the real estate license;

5. Surveying and mapping fees: each 50 yuan/person is calculated according to the number of owners registered in the real estate license;

6. Stamp duty on title certificate: each 5 yuan.