What do you have to pay for buying a new house from the down payment to the key?

Buying a new house is not just a down payment. From paying the down payment to getting the key, the expenses other than the down payment are also a big expense. Many friends often ask through various channels what expenses are there besides the down payment and how much money to prepare. Today, let's sort out what money we need to pay in addition to the down payment for buying a new house.

First, make up for the difference in area.

At present, most of the commercial housing is received in advance, and the commercial housing sales contract is priced according to the planned area. However, when the house is actually closed, there will be errors between the measured area and the contract area. If it exceeds, it is necessary to compensate the corresponding house price according to the house price. Generally, you need to pay less than 3% of the house price, and you don't need more than 3%. If the measured area is less than the contract area, the developer will also return part of the house payment. If the area shrinks by more than 3%, the buyer has the right to request to return the house.

Second, the property fee.

Property fees are also a big expense. When the developer delivers the house, he will find the property company to cooperate and be responsible for the various procedures for the owner to close the house. This property company can be a subsidiary of the developer or a third-party property company.

General developers will require owners to pay one year's property fee in the notice of repossession, and most owners must pay it when repossession. This fee varies from place to place and is determined by the property service standard. For a new house of 100 square meter in Beijing, the property fee is usually around 3,000 yuan.

Third, heating costs.

If it is in the north, if it is New Year's Day, you may have to pay part of the heating bill. Developers have different standards. The community where the author is located is just the first day of the New Year's Day. Although it is a rough house, it has to pay 60% of the heating bill. As for the standard of heating fee, self-heating in residential areas is generally more expensive than municipal heating.

Fourth, deed tax

The deed tax must be paid when the house is closed. The latest policy is that the deed tax standard for purchasing the first suite below 90 square meters is 1% of the total house price, and 1.5% for those above 90 square meters. You can calculate the deed tax according to the area of the house you bought.

Fifth, the decoration deposit.

Decoration deposit is also an expense, which is generally charged when applying for decoration. If you are not in a hurry to decorate after the house is closed, this fee can be postponed.

Sixth, public maintenance fund.

Public maintenance funds are also collected by the state. There are two standards for expropriation, some are calculated according to the construction area, and some are calculated according to the percentage of the total house payment, which is about 2%-3% of the total house payment.

Seventh, other expenses.

There is a small fee for sending express mail, as well as construction waste cleaning fees, various water, electricity, natural gas, cable TV, telephone opening fees and so on. It varies from place to place. The notice of repossession issued by the developer shall prevail.

In short, when buying a house, don't think that you can buy a house with a down payment. After calculation, all expenses except down payment can usually account for about 10% of the total house price, which is not a small expense.

(The above answers were published on 20 16-03- 16. Please refer to the actual situation for the current purchase policy. )

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