What are the fees for buying a house with a loan?

First, what fees should I pay for the loan to buy a house?

When buying a house, buyers will go through several different stages, such as signing a purchase contract, moving in, and handling a real estate license. Many people who want to buy a house are not very clear about how the buyers should go through the formalities at various stages, whether they need to spend or not, and how much they will spend.

When the developer sells the house, he only tells the buyers the total price of the house purchased, and the total price of the house does not include other taxes and fees that need to be paid except the house payment. Then, in the process of buying a house, what fees do buyers need to pay and how much do they need to pay? In this issue, we analyze the various expenses that need to be paid in the process of buying a house by stages.

Step 1: Pay the down payment and sign the sales contract.

■ Pay attention to the content of the house purchase contract.

After you choose a house and pay a certain room reservation fee (that is, deposit), the developer will inform you when to sign the purchase contract. So what should I pay attention to when signing the contract? First of all, you should make it clear that the "Commercial Housing Sales Contract Text" signed with the developer is a contract text uniformly printed by the Beijing Municipal Bureau of Land Resources and Housing Management. You should make it clear whether the person who signed on behalf of the developer is its legal person, and if not, whether it holds a "power of attorney". At the same time, you should ask the developer to affix the official seal to the contract.

When signing a contract, be sure to read the contract text carefully and confirm the contents signed by both parties. If what you care about is not reflected in the contract, then you must sign a supplementary agreement or a special agreement with the developer.

■ Don't forget to check the "two books" when signing the house purchase contract.

At the same time of signing the contract, the developer should provide the Residential Quality Guarantee and the Residential Instruction Manual, so that the property and the equipment in the property can be used smoothly when the building is repossessed, and the developer can enjoy the warranty service pass. With these two books in hand, it shows that the property you get is still relatively credible.

■ You have to pay stamp duty if you pay the down payment.

After signing the house purchase contract, don't forget to pay the stamp duty at the same time as the down payment: 0.5‰ of the total house price.

Step 2: apply for a house purchase loan and pay the relevant fees.

■ Choose the loan method that suits you.

After signing the house purchase contract, it is time for you to apply for a house purchase loan. So what kind of loan method should individuals choose? The following will introduce provident fund loans, commercial loans and portfolio loans. You can choose the loan method that suits you according to your actual situation.

1. The interest rate of provident fund loans is lower than the commercial interest rate. Compared with the two, the annual interest rate of five-year (including five-year) housing provident fund loans is lower than that of commercial loans 1. 17%, and the annual interest rate of housing loans over five years is lower by 0.99%. If the loan is based on the upper limit (at present, the upper limit of housing provident fund loan is 300 thousand), the interest difference is still quite large. A year later, the difference is about 20%. The loan is 65,438+05 years, and the difference is about 30,000-40,000.

2. The down payment of provident fund loans is lower than that of commercial loans 10%. At present, the highest proportion of commercial loans is 80%, that is, buyers have to pay at least 20% of the total house price as a down payment, while housing provident fund loans can reach up to 90%, that is, buyers can apply for loans with a down payment of 10%.

3. Loan insurance is different. Commercial loans only need to apply for housing insurance, while housing provident fund loans need to apply for personal insurance according to regulations if they do not choose a guarantee center as a guarantee, and housing insurance is purchased voluntarily. Because of life insurance, according to the contract signed with the insurance company, once the lender dies or is completely disabled due to illness or accidental injury, the loan will be repaid by the insurance company; In addition, if the lender is unemployed for more than one year and cannot repay the loan, the insurance company will repay the principal and interest of the loan that must be repaid during the period of receiving unemployment benefits. After the registration of real estate mortgage is completed, the life insurance contract can also be terminated and the insurance premium can be returned to the insurance company.

4. Compared with commercial loans, the procedures of provident fund loans are more complicated.

5. In addition, there is a combination of loans. When property buyers need to apply for a large loan amount, they can apply for both commercial loans and provident fund loans. Therefore, it has both the advantages of housing provident fund loans and the disadvantages of commercial loans.

■ Fees to be paid for handling loans.

After the property buyers choose the loan method, they can go to the relevant departments to handle the loan procedures, and also need to pay the following fees:

1. Attorney's fee: 3‰ of the loan amount applied. If it is less than 100 yuan, it will be charged at 100 yuan; Housing provident fund loans, no lawyer fees; But if it is a portfolio loan, the commercial loan will be charged at 3‰.

2. Notarization fee: If the house needs to be notarized, a certain percentage of notarization fee shall be paid. The standard of notarization fee is generally from 200 yuan to 400 yuan, or charged according to the standard of notary office.

3. Insurance premium: There are two forms. Currently, the following 1) form is generally adopted.

1) mortgage plus joint liability guarantee: insurance premium = house payment x annual insurance rate x discounted present value coefficient.

2) The comprehensive insurance of mortgage plus house purchase consists of home insurance and life insurance:

① Housing insurance = loan amount x annual insurance rate x discounted present value coefficient

② Personal insurance = loan amount x (main insurance rate x unemployment insurance)

What needs to be explained here is that attorney fees and notary fees are not necessary fees, but due to the complicated procedures when handling the above 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.

Step 3: move in and sign the property management convention.

■ Bring materials and prepare to take them back.

Receiving the notice of occupancy from the developer marks the beginning of the owner's repossession. The occupation notice will generally explain the time and place of recovery, the materials to be brought and the fees to be paid. If you are out of town and don't have enough time to check in in person, then you must appoint a trusted client to sign all kinds of check-in documents for you. Of course, this client must hold your power of attorney. ■ Sign the property management convention.

"Property Management Convention" is the standard of your rights and obligations in your future life. You should know exactly what kind of service standard the property provides. What are the components of property management fees to be paid in the future? How are cleaning fees, security fees and greening fees approved? Let the property management company make it clear, make it clear, and it is indispensable to prevent people. Also, you'd better check the qualifications of the residential property management company to see if there are any management standards you require, so as not to bring unnecessary trouble to the future management.

■ Calculate the pool area and sign the house acceptance form.

What is the total area of the property you bought? The developer should issue the completion survey form issued by the Beijing Housing and Land Administration Bureau or the surveying and mapping team directly under the District Bureau to see what area you have shared in the whole building.

■ Pay heating fee and property management fee.

Of course, you have to pay some fees when you check in. Usually, the developer will send the notice of payment together with the notice of occupancy to the owner, and the notice details the fees that should be paid.

1. Property management fee: General property management companies will charge a property management fee for one year.

2. Heating fee: Due to the different heating methods in the community, the heating fee paid is also different. Supplied by the Municipal Heating Group, it is 24 yuan per square meter of building and heating season; Coal-fired boiler (direct supply) supply 16.5 yuan per square meter construction and heating season; Coal-fired boiler (intermittent supply) supply 19 yuan per square meter construction and heating season; Fuel oil (diesel oil), gas (natural gas, gas) and electric boiler are supplied for every square meter of building, and 30 yuan is used in heating season.

Step 4: Apply for the house title certificate.

■ What fees do I need to pay for the title certificate?

After all the formalities are completed, the developer will inform you that the public maintenance fund of the house is also the fee you should pay. You may encounter large-scale house maintenance in your later life. If you don't pay this fee, your legitimate rights and interests will not be safeguarded. Even if you don't trust the developer, you should realize that this public maintenance fund, which accounts for 2% of the total house price, is only collected by the developer for the government and has no right to use it at all.

Finally, it's time to apply for the real estate license. The fees to be paid by the buyer at this stage are as follows:

65,438+0. Deed tax: After July 2002 1, the house with a building area of less than 1.20 square meters shall be paid according to 1.5% of the total house price; When purchasing a house with a building area exceeding 120 square meters, the deed tax shall be paid at the rate of 3% for the part exceeding 120 square meters, and at the rate of 1.5% for the part below 120 square meters.

2.* * * * Facility maintenance fund for the use site * *: 2% of the total house price; After the establishment of the owners' committee, it shall be managed by the owners' committee.

3. Housing property registration fee: paid according to the 80 yuan price of each house;

4. Real estate license: 4 yuan for each real estate license;

5. Stamp duty: 5 yuan per piece.

These are the fees that need to be paid for buying commercial housing, but the fees that need to be paid for buying different houses are different and vary from person to person.

2. What is the interest rate of housing loan now? What's the procedure? How much do I need to pay?

What is a mortgage loan? When the real estate is selling well, mortgage has become a shortcut to buy a house in the hearts of the public, but what is a mortgage loan? I don't know what to do with it. The reporter came to the real estate credit department of China Construction Bank and found that the loan was a personal housing loan business in which the purchaser took the purchased house as collateral and the real estate enterprise provided phased guarantee. Mortgage loans, people are most concerned about the conditions and procedures. 1. The materials to be provided for mortgage loan are: 1, the ID card of the applicant and spouse, and the original and photocopy of the household registration book (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached). 2. The original purchase agreement. 3. Original advance payment receipt of 30% or more of the house price. 4. The applicant's family income certificate, including payroll, personal income certificate, bank deposit certificate, etc. 5. The developer's collection account number 1 copy. First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials. Then accept the bank's review of you and determine the loan amount. Then you can apply for loan insurance. Handle the registration and notarization of property right mortgage. The last thing left is that the bank issues loans, and the borrower cancels the registration after paying off the principal and interest every month, and obtains a new house through mortgage. Through what the reporter said above, you should have a deeper understanding of the mortgage, and understand the related matters of handling the loan, and open the door of the new house that belongs to you and me. How do buyers become popular in China, Japanese, Singaporean and Hongkong? Mortgage is only implemented in some cities such as Shanghai, Beijing and Shenzhen in recent years. The sales performance of real estate that provides mortgage in the real estate market is obviously better than other real estate. The specific procedures for buyers to apply for building mortgage are as follows: (To obtain building mortgage service, you should pay attention to this aspect when choosing real estate. Through the introduction of sales staff, I learned that some projects can be handled by recognized developers, and whether the development and construction of real estate can be successfully obtained with mortgage loans. (2) After obtaining the bank's mortgage support for mortgage loan application, you should prepare relevant legal documents and fill in the "Application for Mortgage Loan" in accordance with the regulations on mortgage loan support specified by the bank or the bank. (3) The bank that signed the house purchase contract received the legal documents related to the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it issued a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents. (4) After signing the house purchase contract and obtaining the payment voucher, the date, interest rate, repayment method and other rights and obligations of signing the house mortgage loan contract with the developer and the bank based on the relevant legal documents stipulated by the bank. (5) Handle mortgage registration, mortgage loan contract and purchase contract of insurance buyers, and go through mortgage registration and filing formalities with the real estate management department. Register for faster delivery. Under normal circumstances, due to the relatively long term of mortgage loans, banks will apply for life insurance and property insurance to prevent loans. When purchasing insurance, the buyer should make it clear that the insurance shall not be interrupted during the bank period, and the insurance amount shall not be lower than before the mortgage is paid off. The insurance policy should be handed over to the bank account. After the house mortgage loan contract is signed, the buyer shall open a special repayment account in the financial institution designated by the bank according to the contract, and sign a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After completing the relevant procedures, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time. Is it a full payment or a mortgage for the purchase price of the purchaser? After choosing a house, the next question is payment. Not all homebuyers can pay the full amount, so they borrow money to buy a house, or mortgage to buy a house, and spend tomorrow's money to realize today's dream. Three advantages of full payment 1. Full payment saves money. Although you paid a lot of money for the first time, judging from the total number of houses, you can avoid all kinds of handling fees and bank interest. And because it is a one-time payment, you can bargain with the developer to further save the purchase price. 2. There is no economic pressure after the full payment without debt, because buyers can no longer worry about the house payment and calmly arrange future financial plans. At the same time, it also saves time and does not need any credit authentication. Today's work is finished today. 3. Easy to change hands From the perspective of investment, the house bought in full is convenient to sell and is not restricted by bank loans. Once the house price rises, it changes hands quickly and it is easy to quit. Even if you don't want to sell, you can mortgage your house to the bank when the economy is in trouble. Two disadvantages of paying the full amount 1. The financial pressure is great. If it is not sufficient, after all, a large one-time investment may affect other investment projects of consumers. 2. Unless you have a good understanding of its real estate projects, including building quality, developer technology, financial strength, etc., the investment risk is great. This requires buyers to have a considerable level of technical expertise, which is beyond the reach of ordinary people. Three advantages of mortgage 1. Spend tomorrow's money Today's dream mortgage is to borrow from a bank. You can buy your own house without spending a lot of money right away, so the first advantage of mortgage purchase is that you can buy a house with less money. 2. Use limited funds for multiple investments. From the investment point of view, mortgage buyers can invest their funds separately, borrow money to buy a house and rent it, and then invest again, so that funds can be used flexibly. 3. The bank will check the loan for you by lending to the bank, and the bank naturally cares about the quality of real estate projects. In addition to auditing yourself, the bank will also help you check the developers, which is naturally safe. Disadvantages of mortgage 1. Speaking of disadvantages, the first is psychological pressure, because the traditional habits of China people do not allow people to make ends meet and pay attention to the economy, so it is not suitable for conservative people to borrow money to buy a house. And in fact, buyers do bear heavy debts, which is not easy for anyone. 2. Fast implementation is not easy. Because the property itself is mortgaged, it is difficult to resell the house, which is not conducive to the delisting of buyers.

3. What taxes and handling fees should I pay for buying a developer's new house?

In terms of cost,

I deed tax

The deed tax to be paid for buying a new house is 3-5% of the total purchase price (the tax rates of different provinces, municipalities and autonomous regions are different), and the average commercial house is halved, that is, 1.5-2.5%.

Second, the maintenance fund

Multiply the building area by a certain amount.

Three. Fees to be paid during the transaction.

Stamp duty is five ten thousandths of the house price.

4. Fees to be paid for the property right certificate.

Registration fee, building ownership certificate cost, stamp duty, deed tax, equipment maintenance fund for residential public parts, etc.

Verb (abbreviation for verb) the fee to be paid when checking in.

Property management fee and heating fee

The cost of an intransitive verb mortgage loan.

Insurance premium: property insurance premium = annual rate of total house payment. Premium once.

Seven, for the provident fund to pay fees.

1. Appraisal fee: 0.5% of the appraisal result will be charged for the part below appraisal price 1 10,000, and 0.25% for the above part.

2. Insurance premium: property insurance: insurance premium = loan amount, annual rate and life coefficient.

3. Comprehensive insurance: insurance premium = loan amount corresponding to the number of years of the lender.

Extended data:

property certificate

1. Property registration fee: 0.3 yuan/m2 (building area)

2. Land use right registration fee: 0. 13 to 0.3 yuan/m2 (building area).

3. Property certificate: residence in 80 yuan, shop in 550 yuan.

4. Stamp duty on house ownership certificate: 5 yuan/piece.

5. State-owned land ownership certificate: 80 yuan/Zhang.