How much will you spend from buying a house to moving in?

How much does it cost to buy a house? In this regard, many people think that the cost of buying a house is nothing more than the purchase price and loan interest rate, plus some transaction taxes at most. In fact, from buying a house to moving in, the cost of property buyers far exceeds the above. This is an account for you.

The first sum: "sincerity money"

This fee is not necessary, but many people will encounter it when buying a house. Usually, buyers pay a deposit before choosing a house. After paying the deposit, the buyers can get the preemptive right and the right to choose the house, and enjoy a certain degree of discount on the house price.

Second payment: house purchase price+loan related expenses.

The purchase price must be the bulk of the total expenditure. In addition to paying the down payment when signing the purchase contract, buyers also need to apply for a loan from the bank.

Handling loans involves many expenses, including evaluation fees and stamp duty. After the buyers choose the loan method, they can go through the loan formalities with the relevant departments. At the same time, they also need to pay legal fees and notarization fees. Lawyers' fees and notarization fees are not necessary, but because of the complicated procedures, most property buyers entrust developers, law firms or other intermediaries to handle them uniformly. If you don't need to entrust an agent or notarization, you don't need to pay these two fees.

The third payment: transaction tax.

Transaction taxes and fees usually include deed tax, business tax and personal income tax. Although the latter two items are stipulated to be paid by the seller, they are actually borne by the buyer. Therefore, if you buy a "incomplete" second-hand house, business tax and personal income tax are not exempted, and the amount is also considerable.

The fourth sum: property fee.

Usually, when handing over the house, buyers also need to pay various expenses of the property, including property management fee, public maintenance fund, decoration mortgage, parking fee, water fee, electricity fee and heating fee. The specific charging standard is determined according to the property service qualification provided by the property company.

You'd better make clear these accounts when buying a house, and reserve enough funds in advance, so as not to affect the plan of moving into a new house because of poor capital turnover.

(The above answers were published on 20 15-09-29. Please refer to the actual situation for the current purchase policy. )

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