Are the premiums of home insurance high? How much does it cost to buy a house?

Risks are everywhere, and in order to ensure the protection of your family's wealth, it is necessary to get a suitable home insurance policy for your family as soon as possible. Are the premiums of home insurance high?

Different home insurance products have different premiums, if you plan to buy through Huize.com, then the corresponding premiums can be seen intuitively, you can ** compare the premiums, coverage and reviews of various home insurances, and then choose the best. The following aspects should be paid attention to when applying for home insurance:

1. The insured has an insurance interest relationship with the subject matter of the insurance. If there is a change in most of the family's assets, you must go to the insurance company to change the contents of the policy.

2. Not all family property can be insured with home insurance. Property (such as calligraphy, paintings, antiques) and daily necessities that cannot be determined for a specific value cannot be insured.

3. Don't overinsure. The insurance company follows the compensatory principle when making compensation, and the insurance company does not compensate for the overinsured part. Don't over-insure and double-insure, the best way to insure is to insure at the original value.

To buy insurance for your house, Huize reminds you that you must pay attention to choosing according to your own financial situation. At present, many insurance companies have a variety of different types of housing insurance products that suit your protection needs, and Huize also has corresponding home property insurance products on the Internet, hoping to bring you more choices. Huaan "Full House" Family Property Insurance Coverage Content:

Housing and indoor property, household appliances and electricity safety protection, etc.* Indoor property theft, third party liability insurance* Special coverage of various natural risks including ** caused by losses as low as: 399 yuan "Happy Dudu" optional family property insurance - self-occupation comprehensive protection content: * A variety of protection can be selected, accurate protection, tailor-made design* The amount of protection can be selected, and the insurance can be purchased on demand* There is also personal accident protection that can be selected as low as:

28 yuan.

Hello, Ping An Family Property Insurance provides a number of protections such as the main body of the house and indoor property damage, 80 yuan a year. Fees vary from company to company. Hope!

In addition to the mortgage of the house to the bank, the housing loan also needs to have a rolling guarantee, the general mortgage loan is to pay the insurance premium, and the provident fund loan to pay the guarantee fee. There is a rate for insurance premiums and guarantee fees, which is generally to. If you take out a loan of $300,000 with a term of 20 years, the mid-point of the bulk state rate will be:

300,000*.

If you pay off your loan early, you can get it back by the number of years you paid it off. For example, if you pay off the loan in 12 years, the insurance premium for 8 years: 120*8960 yuan, which can be refunded.

Hello! How much is Zoomlion's home insurance premium? It mainly depends on what product you are buying.

If you buy ordinary home insurance, it will generally cost a few hundred yuan; If you buy an investment-based home insurance, the premium will be relatively expensive, which can be thousands of dollars. If you want to know the specific premium, you can refer to the calculation formula of the housing insurance base fee: total Baochang insurance premium = insurance amount Insurance rate Payment coefficient (FN), payment coefficient (FN) Check the payment coefficient table in detail, n = insurance period.

The insurance premium for buying a house is generally not required, but sometimes it is necessary to ensure that the interest rate does not rise, and some banks want to buy insurance, in addition to this, it is also necessary to pay, stamp duty, stamp duty in the process of buying and selling second-hand houses, both buyers and sellers must pay stamp duty, and the tax rate is the transaction price of the property. What the buyer needs to pay: The deed tax for non-ordinary residential buildings will be doubledIf you want to buy a house, you should pay attention to whether the house you choose is an ordinary residential property.

1) The tax that needs to be paid to buy a commercial house.

1. Deed tax, 3-5% of the total purchase price (different tax rates in different provinces, municipalities and autonomous regions), halving for ordinary commercial residences, namely.

2. Stamp duty, the total purchase price of the house.

ii). 1. Housing maintenance**, 2-3% of the total purchase price, 2% in most places

2. Non-staple food**Adjustment**, 2 yuan square meters, not used in some places.

3) Fees. 1. The transaction fee is paid by the buyer and the seller of the total purchase price (3 yuan square meter for the residence, which is paid by the developer, and the buyer does not have to pay).

2. The cost of the "House Ownership Certificate" varies from place to place, but it does not exceed 100 yuan.

3. The cost of the "Land Use Right Certificate" varies from place to place, but it does not exceed 100 yuan (4) If the mortgage is made, the following expenses will be incurred 1. Appraisal fee, insurance premium for the total purchase price, the total purchase price multiplied by the loan term multiplied by 50% 3. Notary fee, multiplied by the loan amount.

4. Mortgage registration fee, 100 yuan.

1. Taxes and fees to be paid for second-hand housing.

Taxes: Both parties have to pay: stamp duty In the process of buying and selling second-hand houses, both buyers and sellers must pay stamp duty, and the tax rate is the transaction price of the property.

What the buyer needs to pay: The deed tax for non-ordinary residences will be doubledIf you want to buy a house, you should pay attention to the fact that the house you choose is not a regular residence. According to the national regulations, the deed tax must be paid to the state for the purchase and sale of houses, and the collection standards are:

3% of ordinary and high-end residences are borne by the buyer.

Local regulations stipulate that a house must meet three conditions at the same time before it can be recognized as ordinary housing. These three conditions are: the building floor area ratio of the residential community is above and above, the construction area of a single set is less than 140 (inclusive) square meters, and the actual transaction price is lower than the average transaction price of housing on the same level of land.

What the seller has to pay: Taxes on the length of the yearIf you want to sell your home, the amount of tax you have to pay can vary greatly depending on the length of time you have been buying the house. After June 1, 2005, in addition to stamp duty, business tax, urban construction tax and education surcharge, the transfer of second-hand houses must also pay land appreciation tax and personal income tax.

Only after obtaining all the tax payment certificates can the house purchase invoice be issued and the property right certificate can be transferred. If the purchase period is less than 2 years, the full amount of business tax will be levied, including: stamp duty, 5% business tax, urban construction tax, education surcharge, land appreciation tax and personal income tax.

If the purchase has been purchased for more than 2 years and less than 5 years, then only stamp duty and personal income tax need to be paid. If the property is more than 5 years old, you do not need to pay any taxes other than stamp duty.