There is a 420,000 house, second-hand house. What is the down payment? I have 1 in my hand.

Different banks have different down payment requirements for banks, generally 20-30%. Of course, we can also achieve the goal of reducing the down payment through more loans through high evaluation, and save taxes and fees through low evaluation. General taxes and fees should also take into account the cost of buying a house, as follows:

Second-hand housing transfer requires buyers and sellers to sign a sales contract with the Housing Authority with their ID cards, household registration books, marriage certificates, real estate sites, land use certificates or real estate licenses, then pay deed tax in local taxes, and finally complete the transfer in the real estate registration center.

Second-hand housing transfer is charged according to the local tax guidance price, according to the following proportion:

Below 90 flat, deed tax 1%, above 90 flat, deed tax1.5%;

The value-added tax is about 4.76%, which can be reduced or exempted after 2 years;

Personal income tax 1%, which proves that it is the owner's only house for 5 years and can be reduced or exempted;

The above is the first suite, the area of the second suite is less than 90 square meters, the deed tax is still 1%, and it is 2% above 90 square meters. Everything else is the same; For three suites and above, the deed tax is levied at 3%.