购买100万的二手房，最低需准备多少首付款和税费？快来了解看看

Core Insights - The article emphasizes the hidden costs associated with purchasing a second-hand house in China, particularly highlighting that the actual financial outlay exceeds the initial purchase price of 1 million yuan due to various fees and interest [1] Group 1: Down Payment - The down payment for housing loans has been standardized to 15% nationwide, significantly lowering the entry barrier for homebuyers [2] - However, regional differences exist, particularly in first-tier cities like Beijing, where the down payment for a second home can be as high as 50% in certain districts [2] - Different loan types, such as commercial loans and public housing loans, have varying down payment requirements, with public housing loans generally requiring a lower down payment [3] Group 2: Taxes and Fees - The main taxes involved in second-hand home transactions include deed tax, value-added tax, and personal income tax, which are often underestimated by buyers [5] - The deed tax rate varies based on the buyer's identity and the size of the property, with significant changes made to the exemption criteria in 2024 [5] - Value-added tax is typically borne by the seller but can influence the final transaction price, with exemptions available for properties held for over two years [6] - Personal income tax, also primarily the seller's responsibility, can affect the seller's pricing strategy, thereby impacting the buyer's total cost [8] Group 3: Additional Costs - Other miscellaneous fees, such as registration fees and potential appraisal fees, should also be factored into the overall budget for purchasing a second-hand home [8]