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= 5% ÷ (1+5%) × (1+12%) ≈ ",[205,298,299],{},"5.33%","（通常按5.3%估算）",[123,302,303],{"id":303},"个人所得税",[130,305,306,316],{},[133,307,308],{},[136,309,310,312,314],{},[139,311,141],{},[139,313,147],{},[139,315,250],{},[149,317,318,328,338],{},[136,319,320,323,325],{},[154,321,322],{},"满五唯一",[154,324,271],{},[154,326,327],{},"持有满5年 + 广东省内唯一住房",[136,329,330,333,335],{},[154,331,332],{},"不满足满五唯一",[154,334,162],{},[154,336,337],{},"按成交价",[136,339,340,343,346],{},[154,341,342],{},"或选择差额征收",[154,344,345],{},"20%",[154,347,348],{},"按（卖出价 - 买入价 - 合理费用）的20%",[119,350,351,208],{},[205,352,207],{},[210,354,355,361,364],{},[213,356,357,358,360],{},"「满五唯一」的「唯一」看的是",[205,359,218],{},"住房",[213,362,363],{},"差额20%的方式通常在卖方买入价极低时税额远超1%，买方和卖方通常选择1%核定征收",[213,365,366],{},"个税同样名义上由卖方缴纳，但实收价模式下可能转嫁",[123,368,369],{"id":369},"中介费",[130,371,372,384],{},[133,373,374],{},[136,375,376,379,382],{},[139,377,378],{},"类型",[139,380,381],{},"费率",[139,383,250],{},[149,385,386,397,408],{},[136,387,388,391,394],{},[154,389,390],{},"大平台（贝壳等）",[154,392,393],{},"买卖各1.5%，合计3%",[154,395,396],{},"较难议价",[136,398,399,402,405],{},[154,400,401],{},"中型中介",[154,403,404],{},"1.5%～2%",[154,406,407],{},"有议价空间",[136,409,410,413,416],{},[154,411,412],{},"小中介\u002F独立经纪人",[154,414,415],{},"1%～1.5%",[154,417,418],{},"可谈空间大",[123,420,421],{"id":421},"其他费用",[130,423,424,437],{},[133,425,426],{},[136,427,428,431,434],{},[139,429,430],{},"费用项目",[139,432,433],{},"计算方式",[139,435,436],{},"金额（约）",[149,438,439,450,461,472,482],{},[136,440,441,444,447],{},[154,442,443],{},"评估费",[154,445,446],{},"评估价 × 0.3%",[154,448,449],{},"3000～10000元",[136,451,452,455,458],{},[154,453,454],{},"抵押登记费",[154,456,457],{},"贷款额 × 0.1% + 80元",[154,459,460],{},"500～1500元",[136,462,463,466,469],{},[154,464,465],{},"产权登记费",[154,467,468],{},"固定",[154,470,471],{},"80元\u002F套",[136,473,474,477,479],{},[154,475,476],{},"交易手续费",[154,478,468],{},[154,480,481],{},"50元\u002F套",[136,483,484,487,490],{},[154,485,486],{},"贷款服务费",[154,488,489],{},"中介收取",[154,491,492],{},"3000～8000元",[114,494,496],{"id":495},"贷款政策2026年5月","贷款政策（2026年5月）",[123,498,499],{"id":499},"商业贷款",[130,501,502,515],{},[133,503,504],{},[136,505,506,509,512],{},[139,507,508],{},"项目",[139,510,511],{},"首套",[139,513,514],{},"二套",[149,516,517,527],{},[136,518,519,522,525],{},[154,520,521],{},"最低首付比例",[154,523,524],{},"15%",[154,526,524],{},[136,528,529,532,535],{},[154,530,531],{},"利率（LPR加减点）",[154,533,534],{},"3.0%（LPR-50BP）",[154,536,537],{},"3.3%（LPR-20BP）",[123,539,540],{"id":540},"公积金贷款",[130,542,543,553],{},[133,544,545],{},[136,546,547,549,551],{},[139,548,508],{},[139,550,511],{},[139,552,514],{},[149,554,555,563,574,584],{},[136,556,557,559,561],{},[154,558,521],{},[154,560,345],{},[154,562,345],{},[136,564,565,568,571],{},[154,566,567],{},"利率（5年以上）",[154,569,570],{},"2.6%",[154,572,573],{},"3.075%",[136,575,576,579,582],{},[154,577,578],{},"个人贷款上限",[154,580,581],{},"60万",[154,583,581],{},[136,585,586,589,592],{},[154,587,588],{},"家庭贷款上限",[154,590,591],{},"100万",[154,593,591],{},[595,596,598],"callout",{"icon":597},"i-lucide-info",[119,599,600],{},"公积金额度与缴存年限、账户余额挂钩，具体额度以公积金中心审批为准。超出公积金额度的部分需走商业贷款，即组合贷。",[114,602,604],{"id":603},"真实案例不同总价房屋的税费对比","真实案例：不同总价房屋的税费对比",[123,606,608],{"id":607},"案例1280万首套二手房满二满五唯一89","案例1：280万首套二手房（满二满五唯一，89㎡）",[130,610,611,620],{},[133,612,613],{},[136,614,615,617],{},[139,616,508],{},[139,618,619],{},"金额",[149,621,622,630,638,646,654,661,669,676],{},[136,623,624,627],{},[154,625,626],{},"房屋总价",[154,628,629],{},"280万",[136,631,632,635],{},[154,633,634],{},"首付（商贷15%）",[154,636,637],{},"42万",[136,639,640,643],{},[154,641,642],{},"契税（首套≤140㎡，1%）",[154,644,645],{},"2.8万",[136,647,648,651],{},[154,649,650],{},"增值税（满二免征）",[154,652,653],{},"0",[136,655,656,659],{},[154,657,658],{},"个税（满五唯一免征）",[154,660,653],{},[136,662,663,666],{},[154,664,665],{},"中介费（1.5%）",[154,667,668],{},"4.2万",[136,670,671,673],{},[154,672,421],{},[154,674,675],{},"约0.5万",[136,677,678,683],{},[154,679,680],{},[205,681,682],{},"合计需准备现金",[154,684,685],{},[205,686,687],{},"约49.5万",[123,689,691],{"id":690},"案例2500万二套改善房满二非唯一120","案例2：500万二套改善房（满二非唯一，120㎡）",[130,693,694,702],{},[133,695,696],{},[136,697,698,700],{},[139,699,508],{},[139,701,619],{},[149,703,704,711,718,726,732,739,746,753],{},[136,705,706,708],{},[154,707,626],{},[154,709,710],{},"500万",[136,712,713,715],{},[154,714,634],{},[154,716,717],{},"75万",[136,719,720,723],{},[154,721,722],{},"契税（二套≤140㎡，1%）",[154,724,725],{},"5万",[136,727,728,730],{},[154,729,650],{},[154,731,653],{},[136,733,734,737],{},[154,735,736],{},"个税（非满五唯一，1%）",[154,738,725],{},[136,740,741,743],{},[154,742,665],{},[154,744,745],{},"7.5万",[136,747,748,750],{},[154,749,421],{},[154,751,752],{},"约1.2万",[136,754,755,759],{},[154,756,757],{},[205,758,682],{},[154,760,761],{},[205,762,763],{},"约93.7万",[123,765,767],{"id":766},"案例3320万首套二手房不满二89","案例3：320万首套二手房（不满二，89㎡）",[130,769,770,778],{},[133,771,772],{},[136,773,774,776],{},[139,775,508],{},[139,777,619],{},[149,779,780,787,794,801,809,816,823,830],{},[136,781,782,784],{},[154,783,626],{},[154,785,786],{},"320万",[136,788,789,791],{},[154,790,634],{},[154,792,793],{},"48万",[136,795,796,798],{},[154,797,642],{},[154,799,800],{},"3.2万",[136,802,803,806],{},[154,804,805],{},"增值税（不满2年，5.3%）",[154,807,808],{},"16.96万",[136,810,811,814],{},[154,812,813],{},"个税（不满五唯一，1%）",[154,815,800],{},[136,817,818,820],{},[154,819,665],{},[154,821,822],{},"4.8万",[136,824,825,827],{},[154,826,421],{},[154,828,829],{},"约0.8万",[136,831,832,836],{},[154,833,834],{},[205,835,682],{},[154,837,838],{},[205,839,840],{},"约77万",[842,843,844],"blockquote",{},[119,845,846,847,850],{},"💡 对比案例1和案例3：同样是首套、89㎡，仅因不满二就多出近",[205,848,849],{},"28万","现金需求。满二与否，是影响购房成本的最大变量之一。",[114,852,853],{"id":853},"常见问题",[123,855,857],{"id":856},"满二和满五怎么判断","满二和满五怎么判断？",[119,859,860,861,863],{},"看卖方的",[205,862,286],{},"，从登记日期到交易日期：",[210,865,866,869],{},[213,867,868],{},"≥ 2年 → 满2年（免增值税）",[213,870,871],{},"≥ 5年且广东省内唯一住房 → 满五唯一（免增值税+免个税）",[123,873,875],{"id":874},"先卖后买-vs-先买后卖税费差别大吗","先卖后买 vs 先买后卖，税费差别大吗？",[119,877,878],{},"差别可能很大。先卖后买，名下无房时可按首套认定，契税最低1%；先买后卖，名下已有房按二套，面积超140㎡时契税2%，差价显著。",[123,880,882],{"id":881},"组合贷怎么算最省","组合贷怎么算最省？",[119,884,885],{},"公积金额度用满（利率2.6%），剩余部分走商贷（利率3.0%起）。在房本中输入公积金额度和商贷金额，可实时看到合并月供和总利息。",[114,887,888],{"id":888},"用房本算清你的购房成本",[119,890,891],{},"以上案例均为人工估算，实际计算中还需考虑银行评估价、具体区域政策等因素。",[119,893,894,895,902],{},"打开 ",[896,897,901],"a",{"href":898,"rel":899},"https:\u002F\u002Ffangben.cc",[900],"nofollow","fangben.cc","，输入你心仪的房源信息，3分钟内即可获得精确到个位数的购房成本评估——首付、税费、月供，一笔账算到底。",[119,904,905],{},"所有计算在浏览器本地完成，不上传任何个人数据。",[119,907,908],{},"买房不踩坑，先用房本。",[910,911],"hr",{},[595,913,916],{"icon":914,"type":915},"i-lucide-calendar","info",[119,917,918],{},"本文政策信息更新于2026年5月。各地税费政策可能调整，请以交易时最新政策为准。",{"title":920,"searchDepth":921,"depth":921,"links":922},"",2,[923,931,935,940,945],{"id":116,"depth":921,"text":117,"children":924},[925,927,928,929,930],{"id":125,"depth":926,"text":125},3,{"id":236,"depth":926,"text":236},{"id":303,"depth":926,"text":303},{"id":369,"depth":926,"text":369},{"id":421,"depth":926,"text":421},{"id":495,"depth":921,"text":496,"children":932},[933,934],{"id":499,"depth":926,"text":499},{"id":540,"depth":926,"text":540},{"id":603,"depth":921,"text":604,"children":936},[937,938,939],{"id":607,"depth":926,"text":608},{"id":690,"depth":926,"text":691},{"id":766,"depth":926,"text":767},{"id":853,"depth":921,"text":853,"children":941},[942,943,944],{"id":856,"depth":926,"text":857},{"id":874,"depth":926,"text":875},{"id":881,"depth":926,"text":882},{"id":888,"depth":921,"text":888},"详细拆解2026年广州二手房交易税费：契税1%起、满二免征增值税、满五唯一免个税、商贷利率3.0%起。含真实案例计算，帮你算清购房全部费用。","md",null,{},{"icon":92},{"title":952,"description":953,"og":954},"广州二手房税费全攻略2026 | 契税增值税个税计算 | 房本 fangben.cc","2026年广州二手房交易税费详解：契税1%起（≤140㎡）、满二免征增值税、满五唯一免个税、商贷利率3.0%起。免费使用房本计算器，精准计算购房全部费用。",{"title":89,"description":955},"一篇文章搞懂广州二手房所有税费，含真实案例计算与最新政策解读。","vpxfALI4u3nhyFX9GtIFt2W7SvRScs6MOqNVjQOOQq4",[958,960],{"title":84,"path":85,"stem":86,"description":959,"icon":87,"children":-1},"买房除了首付还有契税、增值税、个税、中介费等隐形成本。一个300万的二手房，实际首付可能比你想的多出20万。本文拆解2026年广州二手房交易全部费用，帮你避开签约前才知道的意外账单。",{"title":94,"path":95,"stem":96,"description":961,"icon":97,"children":-1},"满五唯一的二手房可以免征增值税和个人所得税，320万的房子最多能省20万税费。本文用真实案例算清楚满五唯一能省多少钱，以及如何确认卖方是否真的满五唯一。",1781081755520]