How to calculate taxes on new house
In recent years, as the real estate market continues to heat up, the taxes and fees involved in purchasing a new home have become the focus of many home buyers. This article will analyze in detail the calculation method of new house tax, and combine it with the hot topics and hot content on the Internet in the past 10 days to help you better understand the relevant tax policies.
1. Main taxes paid on new houses
When purchasing a new house, the main taxes involved include deed tax, stamp duty, value-added tax, etc. The following is a detailed description of specific tax types:
| tax type | tax rate | Calculate base | Remarks |
|---|---|---|---|
| Deed tax | 1%-3% | total house price | If the area of the first house is ≤90㎡, the fee is 1%; if the area is >90㎡, the fee is 1.5%; if the area of the second house is ≤90㎡, the fee is 3% |
| stamp duty | 0.05% | total house price | Buyer and seller each pay 0.05% |
| value added tax | 5% | Home value added part | Exemption for 2 years and 5% tax for less than 2 years |
2. Specific calculation example of new house tax
Taking a first-time home with a total price of 2 million yuan and an area of 95 square meters as an example, the tax is calculated as follows:
| tax type | Calculation method | Amount (yuan) |
|---|---|---|
| Deed tax | 2 million×1.5% | 30,000 |
| stamp duty | 2 million×0.05% | 1,000 |
| value added tax | Exemption (assuming 2 years) | 0 |
| total | - | 31,000 |
3. The hot topics on the Internet in the past 10 days are related to new house taxes and fees
1.“Property tax pilot expansion” triggers heated discussion: Recently, news about the expansion of property tax pilot projects has become a hot topic, and many home buyers are worried about the increased tax burden in the future. In fact, property taxes and new home transaction taxes are different concepts, and home buyers do not need to worry too much.
2.“Mortgage interest rate reduction” drives enthusiasm for home buying: Mortgage interest rates have been lowered in many places, and the cost of home purchase has been reduced. However, taxes and fees are still fixed expenses, and home buyers need to make a budget in advance.
3."Quality issues in finely decorated rooms" is a hot search topic: The tax calculation for hard-decorated houses is the same as that for rough houses, but buyers need to pay attention to the house inspection to avoid additional losses due to quality problems.
4. How to reasonably plan taxes and fees for new homes
1.Understand local policies: Different cities may have slightly different policies on deed tax, value-added tax, etc. You should consult the local tax department before purchasing a house.
2.Choose the right time to buy a house: Houses that are more than 2 years old are exempt from VAT, and home buyers can give priority to such houses.
3.Utilize provident fund loans: Although provident fund loans do not directly affect taxes, they can reduce interest expenses and indirectly reduce the total cost of purchasing a house.
5. Conclusion
Paying taxes on a new home is a link that cannot be ignored in the home buying process. Reasonable planning of tax expenditures can save home buyers a lot of money. Through the analysis of this article, I hope you can have a clearer understanding of taxes on new homes, and make wise home purchase decisions based on current hot topics.
check the details
check the details
en
