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How to calculate the deed tax for buying a house

2025-12-03 16:45:31 educate

How to calculate the deed tax for buying a house

In recent years, with the fluctuations in the real estate market and policy adjustments, the calculation of the deed tax has become the focus of many home buyers. This article will combine the hot topics and hot content on the Internet in the past 10 days to analyze in detail the calculation method of house purchase deed tax, and provide structured data to help you better understand the relevant rules.

1. What is the house purchase deed tax?

Deed tax refers to a tax paid by the buyer or recipient during the sale, gift or exchange of a house. It's an unavoidable cost of the home-buying process, and rates and calculations vary by region, home type and homebuyer's circumstances.

2. Calculation method of house purchase deed tax

The formula for calculating deed tax is:Deed tax = house transaction price × tax rate. The specific tax rate is determined based on the following factors:

House typeHome buyer situationtax rate
first suiteArea≤90㎡1%
first suiteArea>90㎡1.5%
Second suiteArea≤90㎡1%
Second suiteArea>90㎡2%
Three sets or moreNo area limit3%-5% (different places)

3. Other factors affecting deed tax

In addition to the size of the house and the buyer's situation, the deed tax may also be affected by the following factors:

factorsDescription
Regional policyDifferent cities may have different preferential policies on deed tax. For example, some cities provide exemptions and exemptions for talents purchasing houses.
House propertyThe deed tax rate for non-ordinary residences such as commercial buildings and villas may be higher.
transaction priceIf the appraised value of the house is higher than the transaction price, tax may be calculated based on the appraised value.

4. Recent hot topics: Adjustments to deed tax policies

In the past 10 days, news of deed tax policy adjustments has spread in many places:

  • A second-tier city plans to reduce the deed tax on first-time homes: In order to stimulate the property market, some cities are considering reducing the deed tax on first-time home buyers from 1.5% to 1%.
  • Deed tax for three houses may increase: In order to curb real estate speculation, some areas plan to increase the deed tax on houses with three or more units from 3% to 5%.
  • Talent house purchase subsidy: Many cities have launched deed tax exemption policies for talents purchasing houses, with up to a full refund.

5. How to save deed tax?

Home buyers can reasonably reduce deed tax expenses through the following methods:

  1. Reasonably choose the area of the house: If you buy your first home, you can enjoy a lower tax rate if you choose a house below 90 square meters.
  2. Pay attention to local policies: Some cities have deed tax subsidies for first-time home buyers or specific groups (such as talents and retired military personnel).
  3. Compare appraised price and transaction price: If the assessed value is too high, you can apply for reassessment to avoid paying more taxes.

6. Summary

The calculation of house purchase deed tax involves multiple factors such as house type, area, home buyer's situation, and local policies. Recently, adjustments to many land deed tax policies have become a hot topic. Home buyers need to pay close attention to the developments and rationally plan home purchase strategies to save costs. It is recommended to consult the local tax department or professional agency before purchasing a house to ensure that the deed tax amount is accurately calculated.

Through the structured data and detailed analysis of this article, we hope to help you understand more clearly the calculation method of house purchase deed tax and provide a reference for home purchase decisions.

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