Deed tax: deed tax = total house price × tax rate.

If the area exceeds 144 square meters, the tax rate is 3%;

Area less than 90 square meters (first suite), tax rate 1%.

The area is between 90- 144 square meters (first suite), and the tax rate is 1.5%.

Transaction service fee: residential 3 yuan/m2; Non-residential 1 1 yuan/square meter

Housing property registration fee: residential 80 yuan/set; Up to now, if the tax bureau confirms that you have purchased the first suite, you can waive the registration fee.

Loan mortgage registration fee: 80 yuan/set.

Seller:

Transaction service fee: 3 yuan/m2.

Business tax: total house price × 5.6% (exempted for more than 2 years)

Personal income tax: total house price × 1%

Note: Sellers usually add their own business tax and individual tax to the total house price. In fact, buyers are bearing the business tax and individual tax.

What are the financial risks in the transfer process? How to avoid "money and house are empty"

What buyers and sellers are most worried about in the transfer of second-hand houses is the capital risk. Buyers are worried that the house will not reach their own name after handing over the money to the seller. The seller is worried that the money will not come out after the house is transferred. However, this kind of second-hand housing transaction can not really achieve "cash on delivery". What shall we do? Listen to Uncle Fang.

In fact, capital supervision has become a system at present, and buyers and sellers do it according to established regulations, with little risk. No matter how you trade, the down payment must be supervised by the bank.

The specific operation mode is: the buyer and the seller sign a fund supervision agreement in the bank, and then open an account in the bank, stipulating that the down payment will be paid to the seller after the buyer completes the transfer and gets a new real estate license. If the transaction is successfully completed, the bank will pay the seller; If there is a problem in the middle, the transaction will be terminated and the down payment will be returned to the buyer. When banks provide this service, they usually charge a single supervision fee around 500 yuan, but if you mortgage through bank supervision funds, you can save this fee.

At the same time, the bank will require the buyer and the seller to sign the loan letter before signing the supervision agreement, so as to avoid the trouble caused by the buyer's failure to cooperate with the loan at that time, and the buyer and the seller do not need to go to the bank in person when lending, which will save everyone trouble. If the loan book is not signed in advance, the seller shall promptly urge the release of the down payment after the buyer completes the transfer, so as to avoid "money and house are empty".

After the buyer pays the deposit, the seller must put the old real estate license in the intermediary office to prevent the seller from disappearing after receiving the deposit. Of course, after the transfer, if the seller is really worried about not getting the house payment, he can also agree with the buyer to put the new real estate license in the intermediary office after the transfer, and then hand over the new real estate license to the buyer after the bank payment reaches the seller's account. In short, we should make full use of intermediaries to ensure the safety of your property during the transaction.