How are house transfer fees calculated?
In recent years, real estate transactions have been a hot topic of social concern. With housing prices fluctuating and policy adjustments, many home buyers and sellers are confused about how house transfer fees are calculated. This article will analyze in detail the calculation method of house transfer fees and provide structured data to help you better understand the relevant fees.
1. Main components of house transfer costs
House transfer costs mainly include the following items:
| Expense items | Calculation method | Remarks |
|---|---|---|
| Deed tax | Depending on the area of the house and whether it is a first-time home purchase, the tax rate is between 1% and 3%. | 1% for first-time apartments below 90 square meters, 1.5% for above 90 square meters |
| personal income tax | 1% of the transaction price of the house or 20% of the difference | The only exemption is for those over five years old |
| value added tax | 5.6% of the added value of the house | Exemption for two years |
| agency fee | 1%-2% of the transaction price of the house | negotiable |
| registration fee | 80 yuan | fixed fee |
2. Differences in transfer fees for different house types
Different types of houses also have different transfer fees. Here’s a comparison of costs for common housing types:
| House type | Deed tax | personal income tax | value added tax |
|---|---|---|---|
| Ordinary residence | 1%-3% | 1% or 20% | 5.6% (exempt for two years) |
| Extraordinary residence | 3% | 1% or 20% | 5.6% (exempt for two years) |
| commercial space | 3% | 1% or 20% | 5.6% |
3. How to reduce house transfer costs
1.Reasonable use of preferential policies: For example, a house that has been used for more than five years can be exempted from personal income tax, and a house that has been used for more than two years can be exempted from value-added tax.
2.Choose the right time for transfer: If the house you buy is about to be two years old or five years old, you can wait for a period of time before transferring the property to enjoy tax benefits.
3.Negotiate agency fees: Agency fees are usually negotiable, and you can try to negotiate a lower fee with the agency.
4. Case analysis
Suppose you purchase an ordinary house of 100 square meters with a total price of 2 million yuan, and it is your first home purchase. Here is an example of fee calculation:
| Expense items | Calculation method | Amount |
|---|---|---|
| Deed tax | 2 million × 1.5% | 30,000 yuan |
| personal income tax | 2 million × 1% | 20,000 yuan |
| value added tax | Exemption (for two years) | 0 yuan |
| agency fee | 2 million × 1% | 20,000 yuan |
| registration fee | fixed fee | 80 yuan |
| total | - | 70,080 yuan |
5. Precautions
1.Verify the nature of the house: Different types of houses have great differences in taxes and fees. Be sure to verify the nature of the house.
2.Understand local policies: Policies in different cities may be different. It is recommended to consult the local housing authority in advance.
3.Keep relevant credentials: All fee vouchers incurred during the transfer process should be kept properly for subsequent needs.
Through the above analysis, I believe you have a clearer understanding of the calculation of house transfer costs. In actual practice, it is recommended to consult a professional real estate agent or lawyer to ensure that the transfer process goes smoothly.
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