How to calculate the tax on buying a house? What should I pay attention to when buying a house and paying taxes?

Buying a house is now the most important thing for people to pay attention to. Of course, the process of one thing will not be too easy. The whole process needs to go through many formalities, and it will also contain some individual details. Taxes and fees are also here. At present, there are many kinds of taxes and fees for real estate transactions, which are often understood and investigated. So how to calculate the tax on buying a house? What should I pay attention to when buying a house and paying taxes?

How to calculate the tax on buying a house?

1, deed tax:

The deed tax is levied at the reduced rate of 1% for ordinary houses of 90 square meters and below, and the house belongs to the only family house. 90-144m2 ordinary residence 1.5%. /kloc-3% over 0/44 square meters, and 3% for non-residence. 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: 0.05% of the total house price.

3. Bank mortgage fees: there are subtle differences among banks; Mortgage registration fee: 80 yuan/household. Stamp duty on warrants: 5 yuan/household. Insurance premium: property insurance premium = total house price × annual rate × service life coefficient. The insurance premium is paid in one lump sum. (The insurance premium is roughly: 1 ~ 5 years 0.07%, 6 ~ 10 years 0.06%,1~/0/5 years 0.055%, 16 ~ 20 years 0.05%.

4. Property maintenance fund:

Elevator included: total house price × 3%. Some pilot projects charge 50 ~ 60 yuan/m2. Property registration fee 80 yuan/set. Transaction cost: X3 yuan/┫ residential building area; Non-residential building area: X 1 1 yuan/┫. Property management fee: calculated from the date when the purchaser accepts the house. Usually three months in advance.

What should I pay attention to when buying a house and paying taxes?

1, rational planning

Decide your own property according to your own income, expenditure and other actual conditions. Don't buy a house just to buy three rooms and two halls, one step at a time; However, from the actual situation, a good plan can actually meet the basic housing needs and avoid unnecessary extra burden, and it is very important to cultivate a gradient consumption concept.

Step 2 get ready

Because the amount involved is huge, buying a house is a professional behavior. At present, the domestic real estate market has not cultivated such a professional real estate agent for individual buyers. So it is necessary to learn some basic knowledge of real estate before buying a house.

Paying taxes and fees when buying a house is the most critical step, and the whole step will not be too easy to implement and deal with. Therefore, in the process of operation, we must be very cautious, because it can also prevent some other serious problems, and some calculation methods must be understood in detail.