How to calculate transfer fee in Beijing
Recently, real estate transfer fees in Beijing have become a hot topic, and many home buyers and sellers are paying attention to relevant policies and calculation methods. This article will combine the hot content on the Internet in the past 10 days to provide you with a detailed analysis of the calculation method of real estate transfer fees in Beijing, and provide structured data for reference.
1. Composition of Beijing real estate transfer fees
Real estate transfer fees in Beijing mainly include deed tax, value-added tax, personal income tax, registration fees, etc. The following is a detailed table of specific fees:
| Fee type | Charges | Applicable conditions |
|---|---|---|
| Deed tax | 1%-3% | 1% for the first house below 90㎡, 1.5% for the above 90㎡; 3% for the second house |
| VAT | 5.6% | The real estate certificate is less than 2 years old |
| personal income tax | 1% or 20% difference | The only exemption is for those who are over five years old, otherwise the tax will be 1% or 20% of the difference. |
| registration fee | 80 yuan | Residential property |
2. Analysis of hot issues
1.Only policy for full five: Recently, the policy that has been much discussed on the entire Internet is the “full five-year-old” personal income tax exemption policy. The five-year-old sole property means that the real estate certificate has been held for five years and is the family's only home, and is exempt from personal income tax.
2.Deed tax benefits: First-time home buyers can enjoy deed tax benefits, but they need to pay attention to the area-based tax calculation. Recently, some netizens reported that some intermediaries did not clearly inform them of the segmented tax calculation rules, leading to disputes.
3.VAT adjustment: Properties with real estate certificates less than 2 years are subject to 5.6% value-added tax, which is one of the main costs in recent transactions. Many homebuyers choose properties that are 2 years old or older to avoid this fee.
3. Differences in transfer fees among various districts in Beijing
Although Beijing implements a unified transfer fee policy, differences in property prices in different regions will lead to different actual fee amounts. The following are reference fees for recent popular areas:
| area | Reference average price (yuan/㎡) | 90㎡ real estate transfer fee (10,000 yuan) |
|---|---|---|
| Chaoyang District | 80,000 | About 14.4-21.6 |
| Haidian District | 85,000 | About 15.3-22.95 |
| Fengtai District | 65,000 | About 11.7-17.55 |
| Tongzhou District | 45,000 | About 8.1-12.15 |
4. Recent policy changes
1.Electronic processing: Beijing has recently implemented electronic processing of real estate transfers, and some fees can be paid online, improving processing efficiency.
2.material simplification: According to the latest regulations, some supporting materials can be obtained through data sharing, and applicants do not need to submit them repeatedly.
3.Strengthened supervision: Recently, relevant departments have strengthened the supervision of intermediary agencies’ fees, requiring clearly marked prices to prevent arbitrary charges.
5. Transfer fee calculation example
Take a property in Chaoyang District with an area of 100 square meters, a total price of 8 million, a real estate certificate of more than 2 years but less than 5 years, and which is not the family's only residence, as an example:
| Fee type | Calculation formula | Amount (10,000 yuan) |
|---|---|---|
| Deed tax | 8 million×1.5% | 12 |
| VAT | Exemption (more than 2 years) | 0 |
| personal tax | 8 million×1% | 8 |
| registration fee | fixed | 0.008 |
| total | - | 20.008 |
6. Tips to save transfer fees
1.Choose the only property out of five: It can save personal tax, which is the money-saving technique that recent home buyers pay most attention to.
2.Properly plan your home buying time: If the property is about to be 2 years old or 5 years old, you can wait appropriately to meet the exemption conditions.
3.Understand regional policies: Some areas may have special policies. For example, Tongzhou District has stricter purchase restriction policies that need to be noted.
4.Choose the right loan method: Although it does not affect the transfer fee, a reasonable loan package can reduce the overall home purchase cost.
Conclusion:The calculation of real estate transfer fees in Beijing is relatively complicated. It is recommended that home buyers understand the relevant policies in detail before making a transaction and consult professional institutions when necessary. Policies have changed rapidly recently, so please refer to the latest official information.
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