[{"data":1,"prerenderedAt":878},["ShallowReactive",2],{"navigation":3,"\u002Fhouse-evaluator\u002Fsecond-hand":108,"\u002Fhouse-evaluator\u002Fsecond-hand-surround":873},[4,23,48,63,78,98],{"title":5,"path":6,"stem":7,"children":8,"icon":22},"快速上手","\u002Fgetting-started","1.getting-started\u002F1.index",[9,12,17],{"title":10,"path":6,"stem":7,"icon":11},"产品简介","i-lucide-house",{"title":13,"path":14,"stem":15,"icon":16},"5 分钟快速上手","\u002Fgetting-started\u002Fquick-start","1.getting-started\u002F2.quick-start","i-lucide-rocket",{"title":18,"path":19,"stem":20,"icon":21},"安装与访问","\u002Fgetting-started\u002Finstallation","1.getting-started\u002F3.installation","i-lucide-download",false,{"title":24,"path":25,"stem":26,"children":27,"page":22},"购房参考","\u002Fhouse-evaluator","2.house-evaluator",[28,33,38,43],{"title":29,"path":30,"stem":31,"icon":32},"二手房购房参考","\u002Fhouse-evaluator\u002Fsecond-hand","2.house-evaluator\u002F1.second-hand","i-lucide-home",{"title":34,"path":35,"stem":36,"icon":37},"新房购房参考","\u002Fhouse-evaluator\u002Fnew-house","2.house-evaluator\u002F2.new-house","i-lucide-building",{"title":39,"path":40,"stem":41,"icon":42},"楼盘综合评分","\u002Fhouse-evaluator\u002Fproperty-score","2.house-evaluator\u002F3.property-score","i-lucide-bar-chart-3",{"title":44,"path":45,"stem":46,"icon":47},"数据导入导出","\u002Fhouse-evaluator\u002Fimport-export","2.house-evaluator\u002F4.import-export","i-lucide-save",{"title":49,"path":50,"stem":51,"children":52,"page":22},"贷款计算","\u002Floan-calculator","3.loan-calculator",[53,58],{"title":54,"path":55,"stem":56,"icon":57},"贷款月供计算","\u002Floan-calculator\u002Fmonthly-payment","3.loan-calculator\u002F1.monthly-payment","i-lucide-banknote",{"title":59,"path":60,"stem":61,"icon":62},"提前还款测算","\u002Floan-calculator\u002Fearly-payoff","3.loan-calculator\u002F2.early-payoff","i-lucide-calendar-check",{"title":64,"path":65,"stem":66,"children":67,"page":22},"名词解释与常见问题","\u002Fglossary","4.glossary",[68,73],{"title":69,"path":70,"stem":71,"icon":72},"名词解释","\u002Fglossary\u002Fterms","4.glossary\u002F1.terms","i-lucide-book-open",{"title":74,"path":75,"stem":76,"icon":77},"常见问题 FAQ","\u002Fglossary\u002Ffaq","4.glossary\u002F2.faq","i-lucide-help-circle",{"title":79,"path":80,"stem":81,"children":82,"page":22},"购房攻略","\u002Fblog","5.blog",[83,88,93],{"title":84,"path":85,"stem":86,"icon":87},"买房前，你真的算过要花多少钱吗？","\u002Fblog\u002Fhidden-costs","5.blog\u002F1.hidden-costs","i-lucide-receipt",{"title":89,"path":90,"stem":91,"icon":92},"广州二手房税费全攻略2026","\u002Fblog\u002Fguangzhou-tax-guide","5.blog\u002F2.guangzhou-tax-guide","i-lucide-file-text",{"title":94,"path":95,"stem":96,"icon":97},"满五唯一到底能省多少税？","\u002Fblog\u002Fmanwu-weiyi","5.blog\u002F3.manwu-weiyi","i-lucide-piggy-bank",{"title":99,"path":100,"stem":101,"children":102,"page":22},"城市落地页","\u002Fcity","6.city",[103],{"title":104,"path":105,"stem":106,"icon":107},"广州购房成本计算器","\u002Fcity\u002Fguangzhou","6.city\u002F1.guangzhou","i-lucide-map-pin",{"id":109,"title":29,"body":110,"description":866,"extension":867,"links":868,"meta":869,"navigation":870,"path":30,"seo":871,"stem":31,"__hash__":872},"docs\u002F2.house-evaluator\u002F1.second-hand.md",{"type":111,"value":112,"toc":846},"minimark",[113,117,122,125,130,162,169,173,176,313,317,320,389,417,421,424,560,567,571,574,649,652,672,676,679,682,685,688,734,744,747,750,773,776,779,792,799,802],[114,115,116],"h2",{"id":116},"操作流程图",[118,119],"mermaid",{":config":120,"code":121},"config","flowchart%20TD%0A%20%20%20%20A%5B%22%E9%80%89%E6%8B%A9%E3%80%8C%E8%B4%AD%E6%88%BF%E5%8F%82%E8%80%83%E3%80%8DTab%22%5D%20--%3E%20B%5B%22%E9%80%89%E6%8B%A9%E6%88%BF%E5%B1%8B%E7%B1%BB%E5%9E%8B%EF%BC%9A%E4%BA%8C%E6%89%8B%E6%88%BF%22%5D%0A%20%20%20%20B%20--%3E%20C%5B%22%E9%80%89%E6%8B%A9%E7%9C%81%E5%B8%82%E5%8C%BA%22%5D%0A%20%20%20%20C%20--%3E%20D%5B%22%E8%BE%93%E5%85%A5%E5%B0%8F%E5%8C%BA%E5%90%8D%E7%A7%B0%22%5D%0A%20%20%20%20D%20--%3E%20E%5B%22%E5%A1%AB%E5%86%99%E6%88%BF%E5%B1%8B%E5%9F%BA%E6%9C%AC%E4%BF%A1%E6%81%AF%3Cbr%2F%3E%E9%9D%A2%E7%A7%AF%2F%E6%88%B7%E5%9E%8B%2F%E6%A5%BC%E5%B1%82%2F%E6%9C%9D%E5%90%91%2F%E6%88%BF%E9%BE%84%2F%E8%A3%85%E4%BF%AE%22%5D%0A%20%20%20%20E%20--%3E%20F%5B%22%E5%A1%AB%E5%86%99%E4%BA%A4%E6%98%93%E4%BF%A1%E6%81%AF%3Cbr%2F%3E%E4%BA%A4%E6%98%93%E6%80%BB%E4%BB%B7%2F%E9%93%B6%E8%A1%8C%E8%AF%84%E4%BC%B0%E4%BB%B7%2F%E4%B9%B0%E5%AE%B6%E7%B1%BB%E5%9E%8B%22%5D%0A%20%20%20%20F%20--%3E%20G%5B%22%E7%A1%AE%E8%AE%A4%E7%A8%8E%E8%B4%B9%E5%8F%82%E6%95%B0%3Cbr%2F%3E%E6%BB%A1%E4%BA%94%E5%94%AF%E4%B8%80%2F%E6%BB%A1%E4%B8%A4%E5%B9%B4%2F%E4%B8%AD%E4%BB%8B%E8%B4%B9%E6%89%BF%E6%8B%85%22%5D%0A%20%20%20%20G%20--%3E%20H%5B%22%E8%AE%BE%E7%BD%AE%E9%A2%9D%E5%A4%96%E8%B4%B9%E7%94%A8%3Cbr%2F%3E%E7%89%A9%E4%B8%9A%E8%B4%B9%2F%E8%BD%A6%E4%BD%8D%E8%B4%B9%2F%E6%B0%B4%E7%94%B5%E7%87%83%E6%B0%94%22%5D%0A%20%20%20%20H%20--%3E%20I%5B%22%E7%82%B9%E5%87%BB%E3%80%8C%E5%BC%80%E5%A7%8B%E8%AF%84%E4%BC%B0%E3%80%8D%22%5D%0A%20%20%20%20I%20--%3E%20J%5B%22%E6%9F%A5%E7%9C%8B%E8%AF%84%E4%BC%B0%E7%BB%93%E6%9E%9C%22%5D%0A%20%20%20%20J%20--%3E%20K%5B%22%E5%AF%BC%E5%87%BA%E6%95%B0%E6%8D%AE%20%2F%20%E8%B7%B3%E8%BD%AC%E8%B4%B7%E6%AC%BE%E8%AE%A1%E7%AE%97%22%5D%0A%0A%20%20%20%20style%20I%20fill%3A%230d9488%2Ccolor%3A%23fff%0A%20%20%20%20style%20J%20fill%3A%23f59e0b%2Ccolor%3A%23fff",[114,123,124],{"id":124},"详细步骤",[126,127,129],"h3",{"id":128},"第一步选择地区与小区","第一步：选择地区与小区",[131,132,133,137,145,159],"ol",{},[134,135,136],"li",{},"切换到「购房参考」Tab",[134,138,139,140,144],{},"确保",[141,142,143],"strong",{},"房屋类型","选择为「二手房」",[134,146,147,148,151,152,151,155,158],{},"依次点击",[141,149,150],{},"省份"," → ",[141,153,154],{},"城市",[141,156,157],{},"区\u002F县","三级联动选择",[134,160,161],{},"在「小区名称」输入框中输入目标小区名",[163,164,165],"callout",{"icon":107},[166,167,168],"p",{},"地区信息主要用于关联城市预设参数（如楼盘评分的城市基准）。税费计算本身不依赖地区。",[126,170,172],{"id":171},"第二步填写房屋基本信息","第二步：填写房屋基本信息",[166,174,175],{},"点击**「房屋信息」**卡片（青绿色标题栏），逐项填写：",[177,178,179,195],"table",{},[180,181,182],"thead",{},[183,184,185,189,192],"tr",{},[186,187,188],"th",{},"字段",[186,190,191],{},"填写方式",[186,193,194],{},"说明",[196,197,198,210,220,231,241,252,262,272,282,292,302],"tbody",{},[183,199,200,204,207],{},[201,202,203],"td",{},"面积",[201,205,206],{},"输入数字",[201,208,209],{},"建筑面积，单位平方米",[183,211,212,215,217],{},[201,213,214],{},"实际使用面积",[201,216,206],{},[201,218,219],{},"套内可用面积，选填",[183,221,222,225,228],{},[201,223,224],{},"户型",[201,226,227],{},"快捷按钮",[201,229,230],{},"点击「三房两厅两卫」等预设按钮",[183,232,233,236,238],{},[201,234,235],{},"楼层 \u002F 总楼层",[201,237,206],{},[201,239,240],{},"如 12\u002F33 表示第12层共33层",[183,242,243,246,249],{},[201,244,245],{},"朝向",[201,247,248],{},"下拉选择",[201,250,251],{},"南\u002F东南\u002F东\u002F东北\u002F北\u002F西北\u002F西\u002F西南",[183,253,254,257,259],{},[201,255,256],{},"房龄",[201,258,206],{},[201,260,261],{},"房子建成后的年数",[183,263,264,267,269],{},[201,265,266],{},"装修",[201,268,227],{},[201,270,271],{},"精装\u002F简装\u002F毛坯",[183,273,274,277,279],{},[201,275,276],{},"产权年限",[201,278,227],{},[201,280,281],{},"70年\u002F50年\u002F40年",[183,283,284,287,289],{},[201,285,286],{},"产权开始年份",[201,288,206],{},[201,290,291],{},"房产证上的起始年份",[183,293,294,297,299],{},[201,295,296],{},"建筑类型",[201,298,227],{},[201,300,301],{},"板楼\u002F塔楼\u002F板塔结合",[183,303,304,307,310],{},[201,305,306],{},"是否有电梯",[201,308,309],{},"开关",[201,311,312],{},"影响银行对房屋的评估",[126,314,316],{"id":315},"第三步填写交易信息","第三步：填写交易信息",[166,318,319],{},"点击**「交易信息」**卡片（琥珀色标题栏）：",[177,321,322,333],{},[180,323,324],{},[183,325,326,328,330],{},[186,327,188],{},[186,329,194],{},[186,331,332],{},"默认值",[196,334,335,346,357,368,379],{},[183,336,337,340,343],{},[201,338,339],{},"交易总价",[201,341,342],{},"你和卖家谈好的价格（万元）",[201,344,345],{},"-",[183,347,348,351,354],{},[201,349,350],{},"银行评估价",[201,352,353],{},"银行对房屋的估价（万元）",[201,355,356],{},"等于交易总价",[183,358,359,362,365],{},[201,360,361],{},"买家购房情况",[201,363,364],{},"首套\u002F二套\u002F三套及以上",[201,366,367],{},"首套",[183,369,370,373,376],{},[201,371,372],{},"是否满五唯一",[201,374,375],{},"房产证满5年且是卖家唯一住房",[201,377,378],{},"否",[183,380,381,384,387],{},[201,382,383],{},"是否满两年",[201,385,386],{},"房产证是否满2年",[201,388,378],{},[163,390,393,399],{"icon":391,"type":392},"i-lucide-lightbulb","info",[166,394,395,398],{},[141,396,397],{},"关于「满五唯一」和「满两年」","：",[400,401,402,408,414],"ul",{},[134,403,404,407],{},[141,405,406],{},"满两年","：房产证满2年，增值税免征。这是最常见的免税条件。",[134,409,410,413],{},[141,411,412],{},"满五唯一","：房产证满5年且是卖家在该城市的唯一住房，增值税和个人所得税都免征。",[134,415,416],{},"两个条件可以叠加：满五唯一的房子一定也满两年。",[126,418,420],{"id":419},"第四步确认税费参数","第四步：确认税费参数",[166,422,423],{},"点击**「税费参数」**卡片（紫色标题栏）。系统会根据你填写的买家类型自动匹配默认值：",[177,425,426,444],{},[180,427,428],{},[183,429,430,433,436,439,442],{},[186,431,432],{},"参数",[186,434,435],{},"首套默认",[186,437,438],{},"二套默认",[186,440,441],{},"三套+默认",[186,443,194],{},[196,445,446,463,486,501,516,530,545],{},[183,447,448,451,454,457,460],{},[201,449,450],{},"首付比例",[201,452,453],{},"20%",[201,455,456],{},"40%",[201,458,459],{},"100%",[201,461,462],{},"各城市可能不同，可手动调整",[183,464,465,468,475,480,483],{},[201,466,467],{},"契税税率",[201,469,470,471,474],{},"≤90㎡: 1%",[472,473],"br",{},">90㎡: 1.5%",[201,476,470,477,479],{},[472,478],{},">90㎡: 2%",[201,481,482],{},"3%",[201,484,485],{},"根据面积自动匹配",[183,487,488,491,494,496,498],{},[201,489,490],{},"增值税及附加",[201,492,493],{},"5.3%",[201,495,493],{},[201,497,493],{},[201,499,500],{},"满两年免征",[183,502,503,506,509,511,513],{},[201,504,505],{},"个人所得税",[201,507,508],{},"1%",[201,510,508],{},[201,512,508],{},[201,514,515],{},"满五唯一免征",[183,517,518,521,523,525,527],{},[201,519,520],{},"中介费",[201,522,482],{},[201,524,482],{},[201,526,482],{},[201,528,529],{},"可调整承担方式",[183,531,532,535,538,540,542],{},[201,533,534],{},"印花税",[201,536,537],{},"0.025%",[201,539,537],{},[201,541,537],{},[201,543,544],{},"通常金额很小",[183,546,547,550,553,555,557],{},[201,548,549],{},"产权登记费",[201,551,552],{},"80元",[201,554,552],{},[201,556,552],{},[201,558,559],{},"固定费用",[163,561,564],{"icon":562,"type":563},"i-lucide-alert-circle","warning",[166,565,566],{},"以上为全国通用默认值。部分城市有特殊政策（如部分城市二套首付比例不同），请根据实际情况手动调整。",[126,568,570],{"id":569},"第五步设置额外费用","第五步：设置额外费用",[166,572,573],{},"在**「额外费用」**卡片（玫红色标题栏）中填写入住后的月度费用：",[177,575,576,588],{},[180,577,578],{},[183,579,580,583,586],{},[186,581,582],{},"费用",[186,584,585],{},"单位",[186,587,194],{},[196,589,590,601,611,621,630,639],{},[183,591,592,595,598],{},[201,593,594],{},"物业管理费",[201,596,597],{},"元\u002F月",[201,599,600],{},"小区物业费",[183,602,603,606,608],{},[201,604,605],{},"车位管理费",[201,607,597],{},[201,609,610],{},"如有车位",[183,612,613,616,618],{},[201,614,615],{},"燃气费",[201,617,597],{},[201,619,620],{},"预估月均",[183,622,623,626,628],{},[201,624,625],{},"水费",[201,627,597],{},[201,629,620],{},[183,631,632,635,637],{},[201,633,634],{},"电费",[201,636,597],{},[201,638,620],{},[183,640,641,644,646],{},[201,642,643],{},"其他费用",[201,645,597],{},[201,647,648],{},"任意备注",[166,650,651],{},"此外还需填写：",[400,653,654,660,666],{},[134,655,656,659],{},[141,657,658],{},"装修成本","（万元）：如需翻新，默认15万",[134,661,662,665],{},[141,663,664],{},"租房价","（元\u002F月）：用于计算租金回报率，默认2500元",[134,667,668,671],{},[141,669,670],{},"物业费单价","（元\u002F㎡\u002F月）：用于计算月物业费",[126,673,675],{"id":674},"第六步点击开始评估","第六步：点击「开始评估」",[166,677,678],{},"点击页面底部的**「开始评估」**按钮，系统将立即计算并展示结果。",[114,680,681],{"id":681},"评估结果解读",[126,683,684],{"id":684},"首付分析",[166,686,687],{},"这是最需要关注的卡片：",[177,689,690,700],{},[180,691,692],{},[183,693,694,697],{},[186,695,696],{},"项目",[186,698,699],{},"含义",[196,701,702,710,718,726],{},[183,703,704,707],{},[201,705,706],{},"名义首付",[201,708,709],{},"交易价 × 首付比例（比如200万×30%=60万）",[183,711,712,715],{},[201,713,714],{},"实际首付",[201,716,717],{},"名义首付 + 税费 + 额外费用（这才是你真正要掏的现金）",[183,719,720,723],{},[201,721,722],{},"首付差额",[201,724,725],{},"实际首付 - 名义首付（即\"隐藏成本\"）",[183,727,728,731],{},[201,729,730],{},"最大贷款额",[201,732,733],{},"银行评估价 × 贷款比例",[163,735,738],{"icon":736,"type":737},"i-lucide-alert-octagon","danger",[166,739,740,743],{},[141,741,742],{},"实际首付往往比名义首付高出不少！"," 例如一套200万的房子，名义首付60万（30%），加上契税3万、中介费6万、增值税10.6万（不满两年）、其他费用2万……实际需要掏的现金可能超过80万。",[126,745,746],{"id":746},"税费明细",[166,748,749],{},"每一项税费都会显示：",[400,751,752,759,766],{},[134,753,754,755,758],{},"💰 ",[141,756,757],{},"金额","：需要交多少钱",[134,760,761,762,765],{},"📊 ",[141,763,764],{},"税率","：按什么比例算的",[134,767,768,769,772],{},"✅ ",[141,770,771],{},"免征标记","：绿色标记表示该项免征",[126,774,775],{"id":775},"卖家成本",[166,777,778],{},"展示卖家需要承担的费用：",[400,780,781,784,787,790],{},[134,782,783],{},"增值税及附加（卖家承担）",[134,785,786],{},"个人所得税（卖家承担）",[134,788,789],{},"中介费（根据承担方式分配）",[134,791,534],{},[166,793,794,795,798],{},"以及",[141,796,797],{},"卖家净得金额"," = 交易价 - 卖家总成本。",[126,800,801],{"id":801},"综合成本",[177,803,804,812],{},[180,805,806],{},[183,807,808,810],{},[186,809,696],{},[186,811,699],{},[196,813,814,822,830,838],{},[183,815,816,819],{},[201,817,818],{},"总购房金额",[201,820,821],{},"交易价 + 税费 + 装修 + 额外费用 - 优惠",[183,823,824,827],{},[201,825,826],{},"现金流支出",[201,828,829],{},"实际首付 + 税费 + 装修",[183,831,832,835],{},[201,833,834],{},"租售比",[201,836,837],{},"总购房金额 ÷ 年租金收入（越低越好）",[183,839,840,843],{},[201,841,842],{},"年租金回报率",[201,844,845],{},"年租金收入 ÷ 总购房金额 × 100%（越高越好）",{"title":847,"searchDepth":848,"depth":848,"links":849},"",2,[850,851,860],{"id":116,"depth":848,"text":116},{"id":124,"depth":848,"text":124,"children":852},[853,855,856,857,858,859],{"id":128,"depth":854,"text":129},3,{"id":171,"depth":854,"text":172},{"id":315,"depth":854,"text":316},{"id":419,"depth":854,"text":420},{"id":569,"depth":854,"text":570},{"id":674,"depth":854,"text":675},{"id":681,"depth":848,"text":681,"children":861},[862,863,864,865],{"id":684,"depth":854,"text":684},{"id":746,"depth":854,"text":746},{"id":775,"depth":854,"text":775},{"id":801,"depth":854,"text":801},"详细操作步骤——二手房购房成本评估","md",null,{},{"icon":32},{"title":29,"description":866},"JhJ5dC1YvpN2yv1teh1xEy5pMizWCtoRijsko-4h0Vg",[874,876],{"title":18,"path":19,"stem":20,"description":875,"icon":21,"children":-1},"如何在手机或电脑上使用房本",{"title":34,"path":35,"stem":36,"description":877,"icon":37,"children":-1},"新房与二手房的税费差异及操作步骤",1781081755520]