December 23, the thirty-sixth year of Chengshun, Songjiang Mansion!
In the early morning of Songjiang City in the cold winter, the north wind rolled up pieces of paper and garbage on the street. City sanitation workers were cleaning the garbage on the street with brooms and garbage buckets, and behind them was a human-powered garbage truck.
In Dongqi Lane, Shencun, Xicheng District, the apartment door of Apartment No. 36 was pushed open, and the north wind mixed with confetti quickly poured in. Then I saw a man wearing a long black woolen coat, black leather shoes, and a black round The young man wearing a small brimmed hat stepped out.
Behind the young man was a young woman wearing a pink and purple dress, a fox fur cloak, and medium-sized purple gloves.
These two people were Sun Xu and Miss Meng.
Although the weather was cold at this time, the two people's faces were filled with joy.
Because today they went to the Xicheng District Real Estate Management Bureau for the official property transfer!
For such a big event, the two of them got up early to freshen up and prepare!
After half a year of frugality, Sun Xu has saved enough for a down payment... Although Sun Xu said that his income has increased significantly in the past six months to save money, he can be regarded as a veritable high-income group in the contemporary era.
But he still chose to continue living in Apartment No. 36 on Dongqi Lane, and did not spend more money on other things. Even when he went out on a date with Miss Meng, he would save money whenever he could, and he would not go out on a date during vacation. Instead of eating at restaurants outside, she would buy groceries and cook in Ms. Meng’s apartment.
In other aspects, we can save whatever we can. The biggest expense is just buying a few sets of clothes.
Clothes are actually mostly worn at work... After all, Sun Xu is a technical backbone in Anhua Textile Company, and he is also a team leader. Several of his subordinates wear the best clothes when they go to work in winter. The fine cashmere business attire he wears must not be too bad.
Three sets of winter professional attire cost an average of more than ten yuan each. This is Sun Xu's largest single expense in the past year.
Not only did Sun Xu save money on his own, but even Miss Meng also saved a lot. She basically didn't buy any good clothes in the past year.
In her words, she has a lot of good clothes. She has as many as three fur shawls for winter clothes and seven coats of various kinds... There is no need to spend more money on them.
Of course, they are talking about some fine and decent clothes, which can easily cost seven or eight or even more than ten yuan.
As for daily wear...after all, daily wear clothes are not expensive.
The work clothes Sun Xu wore when working in the factory were all made of cloth, which were considered very good. However, these good-quality cloth clothes only cost a few cents a piece. The whole set only costs one or two yuan.
The reason why the two of them saved so much in the past was to buy a house and really want to settle down in Songjiang City.
After saving enough money, they went to the northern suburbs again a few days ago. Fortunately, the house they were interested in was not for sale yet, so they didn't look at the house and made a choice immediately. After going through real estate agents and people, The owner negotiated in the middle and finally settled on a price of 1,580 yuan...
That’s right, after the price negotiation, instead of lowering the price, it actually increased!
Because in the past six months, the overall price of houses in Dongqin Community in the northern suburbs has continued to grow.
When Sun Xu went to inquire a few days ago, the original owner's quotation had increased from 1,500 Chu Yuan in the summer to 1,650 Chu Yuan. The price increase was not small, a full 10% increase.
After some haggling, the price was reduced to 1,580 Chu Yuan.
The real estate agent also said that this price is relatively cheap compared to the current housing prices. They only reduce the price because they see that you really want to buy and you have the strength to buy it in order to be able to close the deal.
If this happens over time, such as next year, the price of high-quality real estate in Dongqin Community will definitely rise...
Although a little heartbroken, Sun Xu and Miss Meng finally decided to buy it after discussing it!
There was no way, they had been interested in this house half a year ago. In the past six months, the two of them had mentioned this house countless times in their chats.
After finalizing the transaction, the contract was signed and a certain deposit was paid, and many subsequent procedures were handled by the real estate agent.
Yesterday, the real estate agent sent an assistant to send a letter, asking Sun Xu to go to the Xicheng District Real Estate Administration Bureau this morning to complete the final transfer of the house... Of course, he reminded Sun Xu and asked them to prepare the final payment and various taxes and fees. Cheque.
Sun Xu knew before that there would be some taxes and fees when buying real estate, such as real estate tax. He had known about it for a long time, but he did not expect that in addition to real estate tax, there would also be consumption tax and other other taxes, and there were quite a few.
Real estate tax, this thing is a variant of land tax... In the Dachu Empire, all land must pay land tax.
Regardless of whether your land is paddy fields, dry fields, mountains, forests or even barren mountains and wilderness, you have to pay taxes... Among them, the taxes paid on paddy fields, dry fields and other farmland are the famous agricultural taxes.
Other types of land will also need to pay different land taxes based on the use and output of the land.
According to the principle that all land needs to pay taxes, if you build a house on the land, the land still needs to pay taxes...
Otherwise, the government could collect agricultural taxes on the original dry land. If one day you use the dry land to build houses, wouldn't the government not be able to collect agricultural taxes?
How could the famous Taxation Department of the Dachu Empire make such a low-level mistake... Absolutely impossible!
Therefore, in the Da Chu Empire, there was a tax such as real estate tax... which specifically refers to the tax on land where buildings are built.
It is worth noting that the main body of the real estate tax in the Dachu Empire is still the land, not the buildings on the land.
As for the building itself, for the time being, the Chu Empire has no precedent for collecting taxes on buildings... The main reason is that the Chu Empire does not implement the principle of separation of land and buildings, and adopts the integration of land and buildings, and the transaction subjects are also based on this. The main focus is land, real estate transactions are land transactions, and buildings are incidental... If taxes are collected based on buildings, it will be too complicated.
Even so, real estate tax is very complicated compared to agricultural tax. After all, real estate tax cannot be based on simple economic products. For example, a house that a person lives in has a gross economic output!
Therefore, the real estate tax collection standards in the Dachu Empire are levied based on the nature of the land, the land price in the area, and the purpose of the building.
Generally speaking, the real estate tax on land with commercial buildings in prosperous commercial centers is quite high... But the real estate tax on houses occupied by farmers in rural areas is very low... The rural real estate tax is basically symbolic. .
The small single-family building in Dongqin Community purchased by Sun Xu is not cheap, and the real estate tax is also quite high every year. The real estate tax needs to be paid at 1% of the assessed value.
This real estate appraisal price is not what you say your house will cost, but the professional appraisal price of the local professional tax agency... You may not agree with it, but you cannot refuse to pay it.
If you dare not pay taxes, the tax department will auction your house in minutes...and don't expect to get a good price at the auction.
After all, the tax agency only needs to get the tax back. As for how much money is left to the owner after paying the tax, they don't care, so once the auction fails, the price will be lowered. If the auction continues to fail, the price will be lowered. How much can be sold? If it is sold out, the price will be lowered. The price is not enough for the tax, and the tax department has to continue to ask you to make up the tax... It's so disgusting.
By the way, when the tax department evaluates the property price for you, you have to pay the evaluation fee... you also have to bear the auction fee, which will be deducted directly from the house payment.
In addition to the real estate tax, there are also some taxes and fees on the purchase of the house itself, mainly consumption tax and other bits and pieces of one-time taxes and fees. These are not much, adding up to more than thirty yuan.
This is still the tax paid by Sun Xu, the buyer. The other party to the transaction, the property seller, needs to pay even more taxes.
The value-added tax alone is not a small amount. The original owner only spent more than 1,200 yuan to purchase this house, and the value-added part of more than 500 yuan needs to pay at least 30% of the real estate value-added tax. ...This alone costs more than a hundred Chu Yuan.
Basically, the Taxation Department of the Da Chu Empire focuses on real estate and collects all taxes that can be collected for you... and will not leave any loopholes for you.
Under such circumstances, it is quite difficult to make money by investing in real estate in the Da Chu Empire, because as soon as the tax bureau sees that the price of your house has increased... it will immediately increase the real estate appraisal value for you, and the corresponding real estate tax will also increase dramatically. Already...
At the same time, rent leasing in the Da Chu Empire is a transaction, and you also have to pay taxes on the rent. It's not much, just over 20%... but there are some inclusive welfare apartment buildings, and the rent tax on this thing is very small. , only a few percentage points, only specially registered welfare apartments operated by non-profit construction companies have this treatment.
You say you don't mind the tax department's arrogance, and you want to sell the property and let the tax department play with it.
The tax department chuckles and charges you a real estate transaction tax and real estate value-added tax.
Most of the working-class people in the Dachu Empire choose to rent instead of buying cheaper apartments in the city... This is partly because the taxes related to real estate are not cheap.
But the tax department doesn't bother to care whether you sell it or not... Anyway, the house is there, and no matter who holds these properties, he can collect taxes.
You may lose money, but the tax department never loses money!
You may make a small profit, but the tax department will always make a big profit!
If you make a lot of money, the tax department will check your tax status in minutes... If you can still make a lot of money under such strict taxes, you must be evading taxes.
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When Sun Xu learned more about the taxes related to real estate, he was a little confused... When purchasing a house, the various taxes and fees added up, and his total expenditure on purchasing a house exceeded 1,600 yuan.
In the next three years, he will have to pay more than ten yuan in real estate tax every year, and he will be assessed again after three years... If the house price rises, he will need to pay more real estate tax. It is estimated that the real estate tax will be every year in three to five years. Twenty Chu Yuan went up.
But in order to pursue a better life, he had no choice but to grit his teeth... After all, he had signed a new work contract with Anhua Textile Company last month.
This is a five-year guaranteed contract!
Anhua Textile Company has shown great sincerity in order to retain a few core technical talents such as Sun Xu. Others do not know it, but as an Anhua Textile Company, the maintenance of new cotton yarn machine technology is second only to Wang Sun Xu, the section chief, has a very generous salary.
In Sun Xu's five-year guaranteed contract alone, the basic salary has reached 50 Chu Yuan. If he completes basic attendance every year, he will receive a bonus of 200 Chu Yuan. In addition, Sun Xu will be given a housing subsidy of 8 Chu Yuan per month. In addition, there is a transportation subsidy of 6 yuan per month.
Originally, the factory said that it could equip him with a two-horse four-wheel carriage to transport him to and from get off work and for daily official travel.
However, the carriage provided by this company can only be used to transport him to and from get off work and official travel, and cannot be used for daily private use. In the end, Sun Xu simply refused to be provided with a carriage, and instead switched to transportation subsidies, and then directly purchased the carriage and maintained it. Horse, and hire a coachman, handyman, and attendant... Although it may cost a little more, it's not much more, but it will be more convenient.
As for official travel, there are naturally luxurious two-horse carriages allocated by the company, first-class train tickets for long-distance official business trips, and boat tickets that meet the status.
The management canteen in the factory is free and provides unlimited food. This management canteen is a small restaurant in their factory exclusively for senior management and core technical personnel. Professional chefs provide services in the small restaurant.
Well, Wang Liqing eats in this small restaurant when he goes to work and also has some official receptions...
Within five years, the basic salary and annual subsidy salary will increase by ten percentage points each year.
Within five years, you will have 20 days of paid annual leave per year.
After calculating this, the comprehensive annual income has reached about one thousand Chu Yuan!
It was precisely because of this confidence that Sun Xu actually dared to actually buy this house. ,
Otherwise, although he has saved enough money for the down payment, if he carefully calculates various taxes and fees, as well as the living expenses after moving in... Sun Xu may not be ruthless.
Living in a single-family compound like Dongqin Community, many expenses are indispensable... Well, the mortgage loan does not count, this is the expense of purchasing the house itself. Although there is a lot of repayment every month, this itself is the expected expense.
The big expenses Sun Xu mentioned were living expenses.
For example, if you live in such a big house, you have to hire a maid. You can't rely on a delicate little girl like Miss Meng for daily cooking, laundry and cleaning.
Although Miss Meng has made it clear that she will resign to support her husband and raise children after marriage, but... Sun Xu still understands Miss Meng very well.
It's okay for her to cook some meals, clean up the room, and play some petty bourgeoisie hobbies... But if you really ask her to clean and tidy up the three floors all day long, there is a main building and an auxiliary building, and there are two yards outside the house that need to be taken care of regularly. A big house, plus daily household chores such as washing and cooking... That's impossible.
Maybe it won’t be long before I will join many other women in saying that I was blind and married the wrong person.
When Ms. Meng said about resigning, she did not mean resigning to be a nanny for her husband, but resigning to be a wife...
There are currently some middle- and upper-class women working in the contemporary Chu Empire. They usually do some easy and respectable jobs before marriage. After marriage, they often resign and stay at home to support their husbands and children.
Let me repeat it again... A husband teaches a child to be a wife, not a husband teaches a child to be a nanny!
Well, working women at the bottom are not included in the discussion... For example, the rural women in Sun Xu's hometown, and the more than 800 female workers in Anhua Textile Company where Sun Xu currently works... Not to mention that you don't have to work after getting married, even if you are When you become a grandma, you still have to work, otherwise you will starve to death.
Starve you to death, these three words are not exaggerations, they are purely literal!
In addition to the servants who do housework, you must have a private carriage and hire a coachman... After all, Anhua Textile Company said that it will provide you with a car, but you don't want it, but you need transportation subsidies... In the future, you will still take public transportation every day. Wang Liqing might not even be able to stand the horse-drawn carriage going to and from work.
After all, Sun Xu is already the core technical backbone of the factory. If he continues to commute to get off work by public carriage every day... people who don't know would think that Anhua Factory treats core technical personnel harshly.
All these kinds of things are money!
When he actually bought such a small single-family building in a high-end community, Sun Xu also understood why there were more than a thousand people in the factory and why so few people had houses. Most of them rented houses... As for being able to live alone There are only about ten people in each house in total, either senior managers or high-income technical backbones.
Because I want to live in this kind of single-family house and have a matching living standard, let alone ordinary income, even a high income in the eyes of many people.
An annual income of 500 to 600 yuan is not enough, but an annual income of 700 to 800 yuan is more suitable, and an annual income of more than 1,000 yuan is more comfortable.
For Sun Xu now, the problem is not big. The five-year guaranteed contract and the continued prosperity of the entire new cotton yarn industry have given him sufficient confidence.
This is his era!
(End of chapter)
