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Secondhand Home Tax Calculator

Finance & Investment

Deed tax, VAT and PIT split by buyer and seller

Quick Answer

Secondhand Home Tax Calculator: Deed tax, VAT and PIT split by buyer and seller. Secondhand Home Tax Calculator uses standard finance formulas to compute accurate results instantly.

0,000 CNY
m²
%
3 0,000 CNY total tax
Buyer 3 · Seller 0 · Agent 4.50
Deed tax (buyer)3 ×10k CNY (1%）
VAT (seller)Exempt (held ≥ 2 years)
Personal income tax (seller)Exempt (only home held ≥ 5 years)
Agent fee4.50 ×10k CNY (1.50%）

Steps

  1. 1Deed tax = 300 × 1% = 3 ×10k CNY
  2. 2VAT: exempt (property held ≥ 2 years)
  3. 3PIT: exempt (only home held ≥ 5 years)
  4. 4Agent fee = price × 1.50% = 4.50 ×10k CNY
  • Rates follow the housing-trade tax policy effective 2024-12-01 (MOF/STA/MOHURD Announcement): deed tax 1% for ≤ 140 m² (first and second homes), 1.5% / 2% above 140 m²; VAT exempt for homes held ≥ 2 years; PIT exempt if it is the seller’s only home held ≥ 5 years ("满五唯一"), otherwise 1% assessed or 20% of the gain.
  • Deed tax "first home" counts the buyer’s family (spouse + minor children); VAT exemption counts from the earlier of contract date or deed-issuance date; gains method requires the original invoice.
  • Urban maintenance & education surcharges on VAT (≈ 5–6% of VAT) and stamp duty on second homes are not included; agent fees vary by city (commonly 1%–3%, often shared).
  • Policy varies by city and may change — confirm with the local tax service hall before signing.

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How to Use

  1. Enter amounts and terms: fill principal, rate and period in the Secondhand Home Tax Calculator (defaults work for a quick try).
  2. Instant results: key figures and cost breakdown update live as you type.
  3. Compare scenarios: tweak any parameter to compare costs and returns across plans.
  4. Copy key numbers: one-click copy for records or sharing with your advisor.

Key Points

  • Secondhand Home Tax Calculator is a free online finance tool — open and use, no sign-up.
  • All calculations run locally in your browser; your data never leaves the device.
  • Key capability: Deed tax, VAT and PIT split by buyer and seller.
  • Results come with formulas and reference tables so you can verify every number.

Formula & How It Works

Secondhand Home Tax Calculator formula

Secondhand Home Tax Calculator uses standard finance formulas to compute accurate results instantly.

FAQ

How do I use the Secondhand Home Tax Calculator?
Open the page and fill in the input fields — results update automatically. Deed tax, VAT and PIT split by buyer and seller.
Are the results accurate?
Yes. Standard financial formulas and published rate data are used. For official figures, consult your financial institution.
Is it free? Do I need to sign up?
Completely free. No registration, login or download required.
Can I use the results for financial decisions?
Results are for reference. Consult a licensed financial advisor before major decisions.
Does it work on mobile?
Yes. Fully responsive on phones, tablets and desktops.

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Source & Updates

Based on published rate tables and standard financial formulas. Last updated: 2025-07

Authoritative sources:

Last updated:

Formulas and content on this page are reviewed by the YiJianSuan team. For reference only — official sources prevail.

Maintained and periodically reviewed by the YiJianSuan editorial team — review process in ourEditorial Policy.

Cite this page: YiJianSuan. Secondhand Home Tax Calculator[EB/OL]. https://www.yijiansuan.com/en/c/finance/secondhand-tax

Results provided by this tool are for reference only and do not constitute professional advice.