How much should I prepare for the purchase of a new house loan with a total price of 75W?

Whether you buy a new house or a second-hand house, you must plan your funds and learn to settle accounts. Because buying a house is a big expense for most people, buying a house is not a matter of getting the down payment ready.

1. Down payment

The down payment for a new house is between 20% and 30% of the total price. In other words, to buy a house with a total price of 6.5438+0 million, the down payment should be around 200,000-300,000.

2. Monthly allocation

If the down payment is 20-30%, then the remaining 70-80% of the house payment can only be solved by bank loans. Buying a house with a loan will inevitably involve the problem of repaying the loan every month.

Loans are divided into commercial loans and provident fund loans. Different interest rates naturally lead to different monthly payments. At present, the benchmark interest rate of commercial loans is 4.9%, and the benchmark interest rate of provident fund is 3.25%.

For example, the loan is 20 years, the total loan amount is 800,000, the commercial loan interest rate is 4.9%, and the monthly payment is 5,235.55 yuan.

Generally speaking, the monthly payment is linked to the income certificate, with 50% of the monthly payment being the warning line and 30% being the comfort line.

3. Tax expenditure

4. Public Maintenance Fund

2%-3% of the total house purchase contract price. The collection standards vary from place to place, and you need to pay for buying a new house.

5. Property fees

According to the developer's regulations, the preliminary property fee generally needs to be paid for half a year to one year.

6. Installation fee

Broadband, telephone, cable TV, natural gas pipeline, etc. The first time a new house needs to be installed or opened, the cost is not small.

7. Regional compensation fee

If the measured area is greater than the pre-sale area and does not exceed 3% when the house is closed, it is necessary to pay the area difference.

Reminder:

Other expenses required by developers must be considered before buying a house. From down payment to monthly payment to various taxes and fees, it must be included in the budget to ensure sufficient funds in the early stage of buying a house.