What do you need to pay in addition to the down payment?

1, deed tax: the collection standard of deed tax is mainly divided according to the area of the house. The first suite is below 90_, and the total house price is1%; 90- 144 _ 2% for the first suite, and 4% for the second suite and business room.

2. Ownership registration fee: generally, it needs to be handled in 80 yuan. If there is a * * * ownership certificate, the production cost will be increased 10 yuan/copy.

3. Mortgage registration fee: Taking Beijing as an example, the residential mortgage and the certificate of other rights (the real estate registration area is the real estate registration certificate) are located in 80 yuan, which means a * * *, which should be paid to 160 yuan. The charging standards will vary from place to place. Please consult the local real estate registration department for details.

4. Transaction costs: Generally speaking, the charging standard for ordinary houses is 3 yuan/m2, and the charging standard for non-houses is 1 1 yuan/m2.

5. Housing maintenance fund: used to maintain public facilities, such as elevators and leaky roofs. , depending on the different expenses of the community. Generally, the cost of this money is around 3%, which is not a small sum.

6. Property management fee: The property management fee for ordinary houses will not exceed 5 yuan per square meter, and some communities will not even exceed 3 yuan per square meter. Only a few residential and commercial products are higher than 5 yuan per square meter. According to 3 yuan/square meter/month, a house of 100 square meter will cost 3600 yuan every year.

7. Decoration deposit: When preparing for decoration, you usually have to pay a sum of money to the property. The name of this money is decoration deposit. The specific cost varies according to the nature. Generally, it must be paid before the formal delivery of the house, and it can be returned after the decoration is completed and accepted.

8. Area compensation fee at the time of closing the house: Area compensation fee is generally generated at the time of house acceptance. If the measured area of the new house is greater than the pre-sale area and within 3% (including 3%), the house price shall be settled according to the actual area, and the area compensation fee = pre-sale unit price × error area. In addition, we should remind everyone that if the actual error exceeds a certain percentage, the buyers have the right to terminate the agreement and return the house. This clause will be written into the purchase contract, and everyone should read it carefully to ensure that they know what they are doing.

Purchase process

1. Make clear whether you are qualified to buy a house: According to the current national real estate policy, you need to know whether you are qualified to buy a house first. The policy of buying a house is different across the country. You need to know where you want to buy a house, and then look for relevant information.

2. Determine the housing: according to your own needs, determine the house you bought by screening factors such as location, price, school district and rail transit. In the process of housing selection, we should not only consider whether the developer is reliable, but also consider the apartment type, community quality and property qualification.

3. Down payment or down payment: After the house is confirmed, a certain down payment or down payment is required. At this time, we should pay attention to whether to pay a deposit or a deposit, in which the deposit is legally binding. Property buyers default, the deposit can not be recovered, developers default need to double the deposit. The deposit is not expressly stipulated in the law, which generally means to pay a certain amount of money in advance without compensation for breach of contract.

4. Sign a house purchase contract: After selecting a suitable house, it is necessary to negotiate and confirm the signing within the term of the deposit contract. At the same time, the remaining down payment is paid off, and the purchase contract is an important certificate for buying a house to protect rights.

When signing a house purchase contract, we should pay attention to whether there are blank clauses in the contract, whether the obligations and rights in the supplementary agreement are equivalent, whether the liability for breach of contract and compensation are clearly written, whether the delivery date and standards are clear, and whether there is monopoly property management right.

5. House inspection and delivery: House inspection is a means to identify the current situation of the house in the process of real estate transaction. Special home inspector can be invited to inspect the house from top to bottom and from inside to outside according to relevant industry standards.