How much does it cost to transfer a house?
House transfer is an important part of the real estate transaction and involves many costs. Understanding the specific composition and charging standards of these fees can help buyers and sellers make budgets in advance and avoid unnecessary disputes. The following is the content related to house transfer fees that has been hotly discussed on the Internet in the past 10 days. It is structured as follows:
1. Main cost components of house transfer
| Fee type | Charges | Charger |
|---|---|---|
| Deed tax | 1%-3% (1% for first house below 90㎡, 1.5% for above 90㎡; 3% for second house) | tax bureau |
| personal income tax | 1% (only exempt for those who are over 5 years old) | tax bureau |
| value added tax | 5.3% (exempt for two years) | tax bureau |
| registration fee | Residential 80 yuan/set, non-residential 550 yuan/set | Real estate registration center |
| agency fee | 1%-2% (paid by negotiation between buyer and seller) | real estate agency |
2. Differences in transfer fees for different house types
1.Commercial housing transfer: Deed tax, personal income tax, value-added tax (if applicable) and registration fees are required. If you trade through an intermediary, you will also need to pay an intermediary fee.
2.Inherited property transfer: Exempt from deed tax, personal income tax and value-added tax, but notary fees (0.2%-1% of the property’s assessed value) and registration fees are required.
3.Transfer of donated property: Deed tax (3%-5%), notary fee (0.2%-1%) and registration fee are required. The recipient may face high personal income tax (20% difference) when selling in the future.
3. Regional policy differences
| area | special policy |
|---|---|
| Beijing | Non-ordinary residential deed tax is levied at 3% |
| Shanghai | Value-added tax is levied at 5.3% of the difference on non-exclusive housing after five years |
| Shenzhen | The luxury line is RMB 7.5 million, and the taxes for the parts exceeding the line are higher. |
4. Tips for saving money
1.The only one out of five: Real estate purchased for five years and used as the family's only home is exempt from personal income tax and value-added tax.
2.Negotiate tax liability: Buyers and sellers can negotiate that one party should bear all the taxes or fees, or share them proportionally.
3.Handle by yourself: You can save 1%-2% in intermediary fees by not going through an intermediary, but you need to handle the transfer process yourself.
5. Frequently Asked Questions
Q: Who generally bears the house transfer costs?
A: Usually the buyer bears the deed tax, registration fees, etc., and the seller bears the personal income tax and value-added tax. The details can be stipulated in the contract.
Q: Can I get a loan for transfer fees?
A: No. Transfer fees need to be paid in cash and cannot be included in the mortgage amount.
Q: How to calculate the total cost of house transfer?
A: Take a 90-square-meter first home with a total price of 3 million and a non-exclusive property for two years as an example: deed tax 1.5% (45,000) + individual tax 1% (30,000) + registration fee 80 yuan, totaling about 75,000 yuan.
6. Summary
House transfer costs are affected by many factors such as house type, regional policies, transaction methods, etc. It is recommended to consult the local housing authority or a professional lawyer in advance to ensure that the cost calculation is accurate. Proper use of preferential policies and negotiation skills can effectively reduce transfer costs.
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