How much does it cost to buy a house? How much does it really cost to buy a house?

According to the assessment**, area, whether the buyer is buying a house for the first time, and the number is seated.

Need to pay: 1. Surveying and mapping fee yuan square, buyer;

2. The assessment amount of the assessment fee is allowed to float);

3. 1%-3% of the deed tax assessment amount (1% for the first time within 90 square meters, and 3% for the other 3%) shall be paid by the buyer!

4. The transaction fee is 3 square meters, the buyer;

5. The cost of production is 80 yuan, and the buyer (stamp duty of the production cost is 5 yuan);

6. Other mortgage registration: 230 yuan.

Hello landlord. If you are a civil servant or a classroom, you can make a down payment of 20%, which is 120,000, if not, at least a down payment of 30%, which is 180,000.

First, mortgages are not considered. When you hand over the house, you will definitely need to pay the money

1 Deed tax If the building area of the house is less than 90 and it is the first time to buy a house, the deed tax shall be paid at 1% of the price of the house; If the building area of the house is 90-140, the deed tax shall be paid according to the price of the house; The floor area of the house is more than 140; Pay deed tax at 3% of the price of the house;

2. The special maintenance fund is charged at 1% of the total price of the house, and the total price of 600,000 yuan is 6,000 yuan.

3 The costs related to property rights and land use certificates are cheap and can be done within 200.

As for the property fee, it is different for each community, generally around 2 yuan per square meter.

Thank you, hope.

Many friends around me will be very confused before planning to buy a house: how much money do you need to prepare to buy a house? In addition to looking at the price of the house, we also need to consider what aspectsBudget

In fact, in addition to looking at the house price, there are many related expenses for property and taxes that are not ignored! Let's introduce you to the relevant knowledge that should be considered in the budget of buying a house!

Six key points of buying a house budget:

1. Refer to the level of land price.

In the first class of commercial housing, land price occupies a large proportion. The value of a house depends on the level of the location where the house is located. For example, the higher the land price in the city center or in the more developed area, the lower the land price is the other way around.

When you plan to buy a commercial house, you can refer to the land price level in different areas, and choose a house in a certain area according to your own financial strength.

2. Choose the size of the house.

Once you've decided on a location, the next step is to compare the area, floor type, and floor of the house you're buying. One square meter of commercial housing is tens of thousands of yuan, so every square meter must be carefully calculated. The selection is based on the number of family members, the function of the house and the financial strength.

No matter what kind of house you choose, the total floor area of the house should be preset.

3. Understand property spending.

Once the commercial house is sold, the buyer will start to bear all the expenses of the house, such as repairs, water, electricity and heating, elevators, security and other expenses, if these expenses are not considered enough, they will face embarrassment when buying a house. This starts with hundreds or even thousands of yuan per month, and the fees vary from region to region, so it is necessary to know the details before buying a house.

Fourth, consider the ability to repay the loan.

The savings in hand determine the amount of the down payment, but the monthly payment after buying a house is also a daunting task every month. If you want to reduce the pressure of repayment, you can increase the down payment ratio as much as possible, on the contrary, the lower the down payment ratio, the greater the pressure to repay the loan in the future.

5. Calculate the decoration cost.

Renovation and proper home maintenance payments must also be taken into account. In addition, there are some initial installation costs for necessary living facilities, such as the opening of piped gas, cable TV, broadband network, etc. The cost of purchasing new furniture, household appliances, and decoration should also be considered.

6. Various taxes and fees for the purchase of a house.

The payment of taxes and fees accounts for a considerable proportion of the purchase of real estate, among which the more important taxes are deed tax, real estate transaction fees, etc.

First of all, we have to figure out a question first, that is, what do we need to pay for buying a house.

Payment. The first huge amount of money to buy a house is a down payment. Normally, if you are your first home, the down payment is 30% of the total price. However, there are also some counties that can reduce the down payment ratio to 20%.

If you are buying a second-hand house, then the down payment ratio will be higher, and the down payment ratio of second-hand houses in some cities has reached 40%, and different cities have different regulations here.

Monthly payment. The amount of monthly payment directly affects the health of your life after buying a house. If the monthly payment is too high and exceeds your salary, then you pay the monthly payment every month and you have lost a penny, so do you think your life can still be maintained?

Definitely not.

So for monthly payments, my advice is not to exceed half of your monthly salary.

If you want to make a smaller monthly payment, there are two ways, one is to increase the down payment, and the other is to choose the equal principal and interest repayment method for 30 years, in this repayment method, the monthly payment is fixed every month and is the least. It's just that this method also has a disadvantage, that is, it has to pay a lot of interest over 30 years.

Public Repairs**.

Once you get your home, you'll need to make a public repair**. This cost is different in different regions, take my city as an example, public maintenance** is calculated according to the structure and area.

The multi-storey structure is charged at 100 yuan per square meter, the high-rise cast-in-place structure is charged at 150 yuan per square meter, and the high-rise frame shear structure is charged at 200 yuan per square meter.

For example, if you buy a house of 100 square meters and it is a high-rise frame-cut structure, then the public maintenance fee you need to pay is 100 * 200 = 20,000 (yuan).

Different places, the payment method of public maintenance** is different, depending on the city where you buy the house.

A house is a large asset that usually requires a huge investment to buy. It is known as consumer durables in economics haha because it has a long-term use value that can meet residential needs and provide a safe and comfortable living environment. However, a house can also be considered an investment as it can increase in value and provide capital gains.

There may be different opinions on whether the house is a consumer product for the scruples. In a sense, a house can be considered as a consumer product as it is mainly used to live in and meet the basic needs of uh-uh-uh people. Homebuyers often consider factors such as comfort, safety, and convenience in their homes, which are attributes sought after by consumer goods.

On the other hand, from an investment point of view, a house can also be seen as an asset as it has the potential for appreciation and a return on capital that can bring long-term benefits.

In any case, buying a home is often considered a major financial decision for the average consumer. How much to invest in a home is a complex issue that requires consideration of several factors, such as personal income and savings, housing price levels, borrowing rates, and repayment terms. Here are some factors to consider:

1.Income and savings: Investing in a home should be made within the limits of income and savings.

It is generally recommended not to use more than 30% of your monthly income as your mortgage repayment limit. In addition, if you anticipate that there may be other large expenses in the future, such as education, health care, or tourism, you also need to consider the impact of these factors on your home investment.

2.Housing price level: Housing prices are also an extremely important factor.

In areas where home prices are high, more money is often needed to buy a home, which can lead to reduced purchasing power and increased risk of loan repayments. At the same time, rental yields are lower in cities with high home prices, which can have a negative impact on housing investment.

3.Borrowing interest rates and repayment terms: Homebuyers often need to take out a loan to get enough money.

Borrowing interest rates and repayment terms are important factors to consider when choosing the right mortgage solution. When determining the source of the loan plan, you should pay attention to whether the loan interest rate is reasonable, and calculate the impact of different repayment methods on the repayment pressure.

In addition to the above factors, buyers also need to consider some other important factors, such as location, type of home, quality and maintenance costs, etc. When deciding what percentage to invest in buying a home, all risks and factors should be fully considered, and adequate financial planning and risk management should be carried out.

In summary, a house can be considered as a consumer product or an asset, and the proportion of its purchase investment should be determined on a case-by-case basis. Buyers should fully consider various factors such as their own financial situation, housing price level, borrowing interest rate and repayment period, and conduct adequate financial planning and risk management to ensure that the decision to buy a home is wise.

It is best for everyone to make a budget for buying a house before buying a house, because buying a house is a very money-consuming thing, if the buyer does not make a budget for buying a house before buying a house, in the process of buying a house, Wang Blind has some expenses that have not been reserved in advance, usually not a small amount, and it is more difficult to prepare temporarily.

1. Down payment.

Nowadays, most buyers buy houses with loans, compared to buying a house in full, the buyer temporarily pays a lot less down payment, if you choose to buy a house by way of loan, you need to calculate the amount of the down payment according to the down payment ratio. However, the calculation of the down payment is more troublesome, generally speaking, the down payment of the first house cannot be less than 30 of the total house price (except for the purchase of restricted cities), for example, to buy a house worth 1 million yuan, then your down payment is at least 1 million 30 300,000 yuan.

2. Deed tax. In addition to the part of the house payment, there is also a tax part that the buyer needs to consider, among which the proportion of the deed tax on the purchase of the house is relatively large, and the deed tax must be paid when the house is collected. There are two main thresholds for deed tax collection, namely 90 square meters and 140 square meters.

After the implementation of the new policy, the collection of deed tax has been simplified, and the boundary is directly 90 square meters. For buyers who want to buy more than 140 square meters of their first home, the implementation of the new policy can save a lot of money.

3. Public maintenance of housing**.

Like the deed tax, public maintenance of housing is an indispensable part of the cost when buying a house, because public maintenance is also compulsory by the state. There are two kinds of standards for levy, each local regulation is different, some are calculated according to the construction area, and some are calculated according to the percentage of the total house payment, and the proportion is roughly about 2 3 of the total house price.

4. Property fees.

Although the property fee is not paid at one time, but if the buyer wants to take over the house, then the fee should be prepared in advance before moving in, and the developer will find a property company to cooperate with when handing over the house, responsible for the owner's various procedures for receiving the house, the property company may be a subsidiary of the developer, or it can be a third-party property company. Generally, the developer will require the owner to pay a one-year property fee in the notice of repossession, and most owners must pay it when they receive the house, and this fee varies from place to place.

5. Other expenses.

When buying a home, in addition to these fixed costs that need to be prepared in advance, there are some other expenses that need to be paid on demand, so buyers need to set aside a sum of money to cover these expenses. Usually there are some small costs when the off-plan house is received, such as construction waste removal freight, various water, electricity, cable, TV ** opening fees, etc., which are different from place to place, and the specific notice issued by the developer shall prevail.

Whether a house is a consumer product or an asset has always been a hotly debated topic. But from a fundamental point of view, a house is an object that can no longer be reproduced, it is present in our daily lives, mainly for living and survival, so it can be considered a consumer product.

However, a house is also an important asset with investment value, and many people buy property to gain income and increase their wealth. The real estate market changes very quickly, which means that a property** can appreciate or depreciate in value at any time. Therefore, with the right market environment and a reasonable Li Zhi investment strategy, real estate can indeed be considered as an asset that can bring long-term benefits.

So, what percentage is more reasonable to invest in buying a house? There is no standard answer to this question, and it is mainly determined by the current economic situation and future planning goals. Generally speaking, the mortgage burden should not exceed about 50% of your monthly fixed income, and you also need to take into account other household expenses, such as food, clothing, medical expenses, etc.

In addition, you also need to consider your future planning goals before buying a home. If you plan to resell the property in the short term, then your investment ratio should be relatively low to reduce the risk. If you plan to hold the property for a long time and want to get a higher return on investment, then you can consider increasing the investment ratio to get more asset value.

In general, the decision to choose to buy a house as an asset investment needs to take into account factors such as personal investment goals, future planning, and economic carrying capacity, and make corresponding allocations according to their actual situation. Although real estate as a consumer product is unavoidable, in the right market environment, it can also be an effective investment tool to bring more wealth appreciation to the family.