I want to buy a house in Nanning with a unit price of 6500,95 square meters. Want to buy a loan, 30% down payment, loan for 20 years. How much will it cost me to buy this house?

Hello, the unit price is 6500, the area is 95m2, and the total price is 6 17500. For a down payment of 30%, 70% of the maximum loan amount needs to be calculated. If it happens to be 70%, it will be 432250. Ordinary banks require 0 or 5 per thousand, and your loan can only reach 430,000 at most. If you subtract the loan amount from the total price, it will be your down payment of 60%.

Because I don't know which bank you borrow money from, and I don't know the specific interest rate. In fact, the interest rate of each bank is different. Generally, the benchmark interest rate rises by 5% to 10%. If it is increased by 5%, the loan can be 430,000 yuan for 20 years, with a monthly payment of 3,065.93 yuan, a total loan of 430,000 yuan and interest of 290,660.2.

If it is a first-hand house, you need to pay deed tax. If you are the first suite, it is 0.5% of the total price of 65438+. Because your area is over 90 square meters, it is 1.5%. If you are not the first suite or cannot prove that you are the first suite, the normal deed tax is 3%. According to the deed tax 1.5%, it is 9262.5 yuan.

Because you are a mortgage, you still need to pay the insurance premium, which is about 3500 according to different insurance companies and loan years. Other odds and ends don't count.

The money you buy this suite is the house price (6 17500)+ interest (290660.2)+ deed tax (9262.5)+ insurance (about 3500).

Total * * * about 920922.7 yuan.

And generally, you need to pay a property fee of six months to one year when you close the house. There is also a relatively high public maintenance fund, which is generally charged by square meters. Here is 40 square meters, and some are 60 square meters. If it is 95 square meters, it will cost four or five thousand.