How much is the transaction tax on apartments higher than that on houses?

When the house property right is changed, it needs to pay relevant fees, among which deed tax is a relatively large part of the funds, in addition to business tax, individual tax and other items. The apartment is a commercial house. Compared with ordinary houses, the deed tax rate of apartment transfer is higher, and the nature of apartments is 2% higher than that of houses.

The difference between an apartment and a house is that:

1. Term of property right: the residence is residential land, and the term of use is mostly 70 years, while the apartment is commercial land, and the term of use is generally 40 years. In addition, the low floors of some residential buildings can only be used as residential apartments because they do not meet the minimum standard of residential lighting time. The life of this product is also 70 years, except for the lighting time, which is no different from residential buildings.

2. Daily expenses: the water, electricity and heating expenses of ordinary houses are calculated according to civil use. For example, the heating cost in Jinan is 26.7 yuan per square meter. The water, electricity and heating costs of the apartment are calculated according to the business, and the heating cost is 39.5 yuan per square meter. The property fee is the same, and the price will be higher.

3. hukou problem: if the apartment is a project built on commercial land and is of a commercial nature, it cannot be settled. Under the condition of meeting a certain area, you can buy a house in Jinan and settle down.

4. Loan: The loan interest rate is different from the down payment. The minimum down payment ratio of apartment loans is generally 50%, the interest rate usually rises by 10%-20%, and the longest loan term is 10 year. According to the difference between the first suite and the second suite, the minimum down payment ratio is 30% and 60%, the interest rate is currently benchmark or floating 10%, and the longest loan period is 25-30 years.

Comparison of advantages and disadvantages between apartments and houses

1, the shortcomings of the apartment.

(1) The upfront purchase cost is high.

Non-residential apartments are small in size and low in total price. However, at least 50% down payment is required, and the interest rate is at least 10% higher than the benchmark interest rate.

(2) The mid-term acquisition cost is high.

The water and electricity charges for non-residential apartments are all commercial standards, which are higher than those for civil houses.

(3) The late transaction tax cost is high.

Non-residential apartments need to pay individual tax, deed tax, value-added tax (differential collection), stamp duty, land value-added tax, etc.

2. Advantages of the apartment.

(1) Unlimited purchase and unlimited loan.

At present, under the strict policy of restricting purchases and loans, people who are not qualified to buy houses are shut out of houses. When groups with housing needs and investment needs cannot choose housing, they can only consider non-residential apartments as a transition.

(2) Small area and low total price.

The construction area of apartments is generally small, the unit price is lower than that of houses, and the purchase threshold is lower.

(3) Diversified uses.

Because the land of most apartments is industrial or commercial land, they can live in their own homes or register in their offices. This is more diverse than residential buildings.

(4) The supporting facilities are more perfect.

The location of apartments is generally near subway or rail transit lines, and even some apartments are planned as commercial complexes. Mature transportation facilities and commercial facilities make life more convenient and attract a large population.