请注意买二手房过户费咋算？关键看“满两年”与“唯一住房”

Core Insights - The article emphasizes the importance of understanding the costs associated with property transfer fees in the second-hand housing market, particularly focusing on the concepts of "two years" and "only housing" [1][2][8] Group 1: Market Trends - In the first half of 2025, the national second-hand housing transaction volume surged by 17.3%, prompting buyers to focus on cost control in the transfer process [1] - The latest statistics indicate that 63.4% of second-hand housing transactions are classified as "only housing," highlighting its dominance in the market [2] Group 2: Tax Implications - Buyers can save over 5% of the property price through proper planning of transfer taxes, which can amount to significant savings, such as 250,000 yuan on a 5 million yuan property [1] - A property that has been held for more than two years can qualify for exemption from value-added tax, while properties held for less than two years incur a tax of 5.6% on the difference [1][2] - Approximately 41.7% of sellers benefit from a complete exemption from personal income tax if the property is both "only housing" and held for over five years [2] Group 3: Buyer Considerations - Buyers purchasing "only housing" under 90 square meters pay a lower deed tax rate of 1%, while those over 90 square meters face a rate of 1.5%, and non-"only housing" purchases incur a 3% rate [3] - In limited purchase cities, non-local buyers face an average additional cost of 17.3%, increasing their financial burden [3] Group 4: Case Studies and Recommendations - A case study illustrates the financial difference between two sellers, where one saved on taxes due to meeting the criteria for "only housing," while the other incurred significant additional costs [4] - Professional advice can lead to average savings of 37,000 yuan for buyers who plan ahead compared to those who do not [4] Group 5: Regulatory Environment - The article warns against attempts to evade taxes through methods like gifting, which can lead to severe penalties and additional costs [6] - The introduction of the "Smart Real Estate" app in 2025 provides a centralized platform for buyers to access policy information and tax calculators, enhancing their ability to navigate the process [7] Group 6: Conclusion - Understanding the key concepts of "two years" and "only housing" can simplify the complex transfer fee calculations, allowing buyers to maximize their benefits in property transactions [8]