What else does a new property cost besides a down payment?

What are the costs of buying a house in addition to the down payment?

Buyers should make a detailed capital plan before buying a house, mainly including the following aspects:

1. Full payment or loan.

If it's not a lump sum payment for a full purchase, then the initial out* expenditure is the down payment. Therefore, it is important to have a good idea of the funds you have at your disposal, not only to ensure that you have enough funds for the down payment, but also to ensure that your daily living expenses are not affected.

2. A fixed amount of loan principal per month.

Many home buyers do not pay attention to the "family income certificate" required by the bank, and often pay more for their monthly income in order to take out more loans. However, once the repayment begins, the buyer will feel that the repayment is difficult, the quality of life may be affected, and even the phenomenon of not being able to repay the loan will occur, no matter what the final outcome is, the responsibility can only be borne by the buyer himself. Therefore, buyers should remember that the monthly repayment amount should be within 30% of the monthly household income, and at the same time, they should also choose the repayment method that suits them (mainly the monthly repayment amount and the repayment period).

3. Taxes and fees. According to the regulations, there are different types of taxes and fees that vary depending on the house purchased.

Fourth, the property management fee.

For different grades of housing, the charging standard of property management fees is also different, but one thing is the same, that is, it is charged according to the construction area of the house.

5. Initial installation fee.

When moving into a new house, the necessary facilities must be complete, such as gas pipes, cable TV, **, broadband network, which also need to be expensed. Generally, the property management company will publicize the initial installation fee** in the community and assist the owner in the installation.

6. Area Compensation Fee.

In some places, the difference in area cannot exceed 3% when the house is closed. Therefore, if the area of the house is greater than the area agreed in the contract at the time of repossession, the excess will be calculated and made up according to the average price of the house at the time of the contract. Of course, if the size of the house is smaller than the area signed in the contract, the developer will also need to refund the buyer in the same way.

This paragraph is stipulated in the "Contract for the Sale and Purchase of Commercial Housing", the area difference fee = (average price of the measured area of the existing house) - (the average price of the area signed in the contract).

7. Other miscellaneous expenses.

In addition to the above-mentioned payments, there are many different miscellaneous expenses for different properties, which also need to be understood and budgeted for before buying a home.

When buying a house, "house price" is an important part, but it should be clear that buying a house can not only consider the house price, if you only pay attention to the house price and ignore other issues before buying a house, it will often cause the entire house purchase budget to be overrun, and even reach the embarrassing situation of being able to afford but not living.

Area difference, property fee, deed tax, decoration deposit, public maintenance**, etc.

When the actual house is received, there will be an error between the measured area and the contract area. If it is exceeded, you need to compensate the corresponding room price according to the room price.

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 take possession of the house.

Deed tax is payable at the time of repossession.

Public repairs** are also compulsory by the state.

1. Deed tax: 1% deed tax will be levied on the first house below 90 square meters; The first house is more than 90 square meters, and the deed tax is levied. If the second suite is less than 90 square meters, a deed tax of 1% will be levied; If the second suite is more than 90 square meters, a 2% deed tax will be levied. (Deed tax policy for second suites, except for Beijing, Shanghai, Guangzhou and Shenzhen).

2. Housing maintenance**: The collection standards for different types of houses in various cities are also different. Some are levied according to the standard of tens of yuan per square meter, such as 40 yuan; There are also some that are levied according to a certain percentage of the purchase price, such as 2% of the purchase price; Others are levied according to the standard of x yuan per square meter per month, such as yuan per month.

3. Stamp duty on the source certificate of Quanpei: 5 yuan for ordinary residences.

4. Warrant registration fee: 80 yuan for ordinary residences.

5. Property fees and heating fees: When handing over the house, the general property management company will charge a year's property management fee. In addition, the heating community also charges a heating fee. The heating fee paid is different for different ways of district heating.

6. Decoration costs: If the new house you buy is a rough house, then you need to decorate it yourself, and configure furniture and household appliances, etc., which can cost a lot.

7. Monthly payment: If you take out a loan to buy a house, you have to repay the mortgage every month. Monthly** should be controlled at about 30% of the monthly income, and the monthly payment is more than half of the family income, which will lead to a decline in living standards and an increase in pressure.

In addition, considering factors such as rising loan interest rates and reduced personal income, it is best for individuals to set aside a part of their money when taking out a loan to buy a house.

8. Parking fee: If you have a car at home, you should also consider the cost of buying a parking space or a rental space.

9. Other expenses: water and electricity bills, gas bills, broadband, cable TV, although these expenses are not much, but they are all long-term lightning expenses. The farther away from the city, although the housing price is lower, the transportation cost may be higher for commuting and traveling.

When is the down payment for a new home?

1. In life, if you can buy a house in full, you will naturally buy a house in full, but in fact, many people will choose to take out a loan to buy a house. In fact, relatively speaking, it is relatively easy to buy a model house for a new house, and the down payment is 2% or 3 or more of the transaction.

2. The mortgage of the first-hand house is relatively simple. Provide your personal information, property information, and apply for a mortgage loan from the bank as a guarantee by the developer.

3. First of all, you have to see whether the five certificates of the project are complete, especially the pre-sale license of commercial housing. If there is, the developer can collect a down payment and start the pre-sale. If not, it is generally necessary to sign a letter of intent for pre-order, which is what you call a deposit.

Of course, a simple agreement must be signed when the deposit is paid. Some time after you have paid the deposit, the developer will notify you to make a down payment and sign the purchase contract.

1.Handling fee for buying a house loan: including bank fee, appraisal fee, credit report fee, etc.;

2.Notarization fee: The transfer of ownership of the house requires a notarial certificate issued by a notary public;

3.Intermediary service fee: charged according to the proportion of the room price;

4.Taxes: The purchase of a new house is subject to business tax, value-added tax and personal income tax;

6.Residential management fee: The owner of the new house needs to pay the residential management fee and other management fees of the residential area of the lot;

7.Waterproof, moisture-proof, decoration and other expenses: new house decoration needs to pay a certain fee;

8.Insurance premium: For the sake of property safety, you can purchase housing fire insurance, construction property insurance and other insurance;

9.Mortgage fee: When buying a new house, if you need to go through the mortgage procedures, you may need to pay a mortgage fee;

10.Other expenses: There may be unforeseen expenses incurred when buying a house, such as survey fees, decoration costs, furniture costs, etc.

In addition to the lack of a down payment, you also have to pay the following fees to buy a house:

1. Deed tax: the tax that the buyer and the seller need to pay to ** in the process of the transaction;

2. Intermediary fee: the fee that the buyer and seller need to pay to the intermediary agency in the process of buying a house;

3. Housing payment: the housing payment that the buyer and seller need to pay in the process of buying a house;

4. Decoration costs: The decoration costs of buying a new house are generally borne by the buyer;

5. Public maintenance**: It is a fee charged for the maintenance of public facilities in the community;

6. Property management fee: It is charged on a monthly basis, which is a fee charged for maintaining the safety and cleanliness of the cavity protection community;

7. Housing transaction registration fee: the fee that the buyer and the seller need to pay to the ** authority in the housing transaction;

8. Notary fee: the fee that the buyer and seller need to pay to the notary public in the process of buying a house.