How do you calculate the money for a house?
Recently, topics about real estate transactions, investment returns and housing price trends have continued to arouse heated discussions. Whether they are home buyers, investors, or policymakers, they are all paying attention to the logic of "getting money" from houses. This article will start from structured data such as house price calculations, investment return rates, and tax costs to analyze the specific algorithm for getting money for a house.
1. Core factors in house price calculation
The composition of housing prices involves multiple dimensions. The following are the key factors that have been hotly discussed on the Internet in the past 10 days:
| factors | Description | influence weight |
|---|---|---|
| location | Transportation, school districts, commercial facilities, etc. | 35% |
| House properties | Area, unit type, floor, orientation | 25% |
| Market supply and demand | Regional inventory to housing demand ratio | 20% |
| policy control | Purchase restrictions, loan interest rates, tax incentives | 15% |
| Developer brand | Property service quality and reputation | 5% |
2. Calculation method of return on investment
The income from real estate investment requires a combination of rental return and value-added space. The following is a comparison of recent rental returns in popular cities (data source: Shell Research Institute):
| city | Average house price (yuan/㎡) | Monthly rent (yuan/㎡) | annual rate of return |
|---|---|---|---|
| Beijing | 68,200 | 85 | 1.5% |
| Shanghai | 62,500 | 78 | 1.5% |
| Guangzhou | 42,300 | 53 | 1.5% |
| Chengdu | 18,600 | 32 | 2.1% |
| Changsha | 11,200 | 25 | 2.7% |
Note:Annual rate of return = (monthly rent × 12) / total house price × 100%. Due to lower housing prices in second- and third-tier cities, rental returns are generally higher than in first-tier cities.
3. Detailed explanation of transaction tax costs
The taxes and fees involved in buying and selling real estate directly affect the amount of "money you get". According to the latest policies in 2023, the main taxes and fees are as follows:
| Tax type | Seller bears | Buyer to bear | calculation standard |
|---|---|---|---|
| Deed tax | No | Yes | 1% for the first unit below 90㎡, 1.5% for the above area; 3% for the second unit |
| value added tax | Yes | No | Exemption for 2 years and 5.3% for less than 2 years |
| personal income tax | Yes | No | The only exemption is for those who are over five years old, otherwise 1% or 20% of the difference |
| agency fee | Negotiation between both parties | Negotiation between both parties | Usually 1%-2% of the total price |
Case:For a second-hand house that is more than 2 years old but less than 5 years old and has a total price of 5 million (not the only one), the seller needs to pay 265,000 VAT + 100,000 personal tax, and the buyer needs to pay 75,000 deed tax (for the first house). The total tax is 440,000, accounting for about 8.8% of the house price.
4. Extension of hot topics
1."Trade-in" policy:Recently, Nanjing, Zhengzhou and other cities have introduced subsidies for exchanging second-hand houses for new houses. Sellers can receive up to 10% of the house purchase subsidy, accelerating the release of replacement demand.
2.Mortgage interest rate dynamics:The LPR dropped to 4.2% in August, and the first-time interest rate in some cities has been as low as 3.7%. The monthly payment for a 1 million loan over 30 years has been reduced by about 400 yuan.
3.Impact on affordable housing:Shenzhen plans to launch 80,000 affordable housing units within this year, which is expected to divert 10%-15% of the rigid demand market and put pressure on surrounding commercial housing prices.
Conclusion:The essence of "earning money" from a house is the balance between residential attributes and financial attributes. It is recommended that home buyers rationally analyze data based on their own needs and avoid blindly following the trend of hot hype.
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