1, transaction fee, square X3 yuan.
2. Certificate fee, 80 yuan (certificate fee)
3. Transaction registration fee, 80 yuan.
4. Deed tax, house price 1.6 million x 3% = 48,000 yuan.
5. Stamp duty, house price 1.6 million X0.05%=800 yuan.
6. Loan1120,000 yuan with a term of 30 years. According to the latest basic interest rate, the monthly payment is 68 16.32. If it is not paid off in advance, the total repayment after 30 years will be 2453875.2 yuan, the total interest will be 133875.2 yuan, and the average monthly interest will be 3705.2 yuan.
7. Agency fee: Generally, the agency company will ask you to pay 1.2-3% of the house price, that is, 19200-48000 yuan. This fee is flexible, depending on how you cut it, many people can cut it to 65,438+0%, and you can also talk about it as a goal.
Abin, the real estate agent, will answer your questions.
Supplementary answer:
1, deed tax ladder ratio is a new national regulation, which is set to encourage the purchase of small-area housing. The new rule is to pay 1% deed tax below 90 square meters; 90- 144 m2 1.5% deed tax; 3% deed tax shall be paid for the part exceeding 144 square meters.
Unfortunately, because it is a hard rule, you can't apply for a discount.
2. Whether the house is not cost-effective, has nothing to do with primary or secondary. You should comprehensively analyze whether the price of the house you want to buy is cost-effective compared with similar houses around you. Remember not to compare first-hand houses with second-hand houses, but to compare first-hand houses with first-hand houses and second-hand houses. The following conditions need to be compared:
A house is old and new, and the house has a service life.
It will lose 2% of its use value every year. In addition, it is recommended not to
Buy a second-hand house 15 years old or older, because it will be soon.
It costs a lot of money to carry out maintenance.
B. The surrounding environment where the house is located, if it is in an excellent small.
It is necessary to have a beautiful environment, fresh air and low noise.
More expensive than a house in a complex environment 10%.
The traffic around the house is heavy if it is close to the subway.
B bus stop, the house will appreciate 15%.
D distribution of educational resources, if there are excellent schools around.
In primary and secondary schools, the house will also appreciate 15-20%.
E municipal facilities, if there are parks and green spaces around,
Leisure activities and shopping centers will also appreciate by 10%.
Please make a scientific and rational analysis. Buying a house is a lifelong matter and should be fully considered.
I wish you a satisfactory house again.
Abin, the real estate agent, will answer your questions.