What expenses should I prepare before buying a house?

Many people who buy houses are confused. How much do they have to prepare for buying a house? Do you have enough money on hand? Do you need to borrow money?

I. Down payment

Down payment is the lowest proportion of down payment according to the national proportion when buying a house. Of course, the payment can also be higher than this amount, and the rest can be borrowed from the bank. Generally speaking, buying a house should naturally consider the down payment.

(1) First Suite

If it is the first suite of a new house, only 20%-35% down payment is required. However, if it is the first second-hand house, the down payment may be higher: the evaluation price *30%. Under normal circumstances, the bank's evaluation price will be lower than the contract price, so the remaining house payment should be made up in the down payment.

(2) The second suite

If it is a second-suite ordinary residence, the down payment is 50%, and the down payment for non-ordinary residence is 70%.

(3) Commercial housing

If the down payment of commercial housing is 50%, the buyer also needs to consider the longest loan period 10 year.

Second, taxes and fees

(1) First time home purchase. If the area is less than 90 square meters, the deed tax shall be paid1%; More than 90 square meters 144 square meters is1.5%; /kloc-the area over 0/44 square meters is 3%;

(2) Non-first-time home buyers. You have to pay 3% deed tax.

(3) Others include value-added tax, stamp duty, property agency fee and house registration fee.

Three. Public maintenance fund

The collection standard of public maintenance funds varies from place to place, and this fee must be paid for buying a new house. Second-hand housing owners will transfer this part of the money to the next home, so they also need to be prepared.

Fourth, the property management fee.

Property management fees refer to the fees charged by property management enterprises to owners or users for providing management and services. Such as house repair, water, electricity, heating, elevators, security fees and so on. From the date of repossession, from the date of acceptance of the house by the purchaser, this management fee is also accompanied by the house for life. Therefore, the charging standards for different properties should be well known when buying a house.

Verb (abbreviation of verb) agency fee

There will be an agency fee for buying a second-hand house, which is 2% of the transaction price of the house. Generally, there are two algorithms, one is the buyer's full commitment, and the other is the buyer and seller's half commitment.

Intransitive verb decoration cost

Decoration expenses should be considered together with the down payment, carefully calculated and appropriate housing maintenance funds should be considered in advance. To ensure the necessary living facilities, you need to prepare some initial installation fees, such as opening pipeline gas, cable TV, broadband network and so on. In addition, the purchase of suitable furniture and electrical appliances must also be considered when decorating a new home budget.

Seven, the area compensation fee

This fee will not be too high. Few houses have measured area and pre-sale area exceeding 3%. Within the allowable range of error, the area compensation fee = pre-sale unit price × error area.

8. Stable and predictable monthly funds.

Generally, the maximum monthly payment cannot exceed 50% of the income certificate, and the appropriate ratio is 30%. At the same time, choose the appropriate loan term and repayment method, so that your monthly pressure will not be too great.

Nine. other charges

(1) Housing insurance premium

Housing insurance is actually to protect houses from fire, explosion and other accidents. Home insurance pays voluntarily, and banks generally don't force it.

(2) Second-hand appraisal fee

Second-hand housing transactions need to be evaluated. To apply for a second-hand housing loan from a bank, you need to provide a second-hand housing evaluation report. The cost of assessment report is different in different regions.

(3) ownership registration fee

Fees for handling real estate license.

(The above answers were published on 20 18-06-25. Please refer to the actual situation for the current purchase policy. )

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