How much is the deposit for buying a house?

1. How much does it cost to buy a house? First of all, we must clarify a question, that is, what expenses need to be paid for buying a house. The first huge sum of money to buy a house with a down payment is the down payment. Generally speaking, if you are the first suite, the down payment ratio is 30% of the total house price. However, some counties can reduce the down payment ratio to 20%. If you buy a second-hand house, the down payment ratio will be higher. The down payment ratio of second-hand houses in some cities has reached 40%, and different cities have different regulations in this regard. (2) Monthly payment directly affects your life and health index after buying a house. If the monthly payment is too high and exceeds your salary, do you think you can make a living if you pay the monthly payment and have no money on you? It is definitely impossible. So for the monthly payment, my suggestion is not to exceed half of the monthly salary. There are two ways to reduce the monthly supply. One is to increase the down payment, and the other is to choose the repayment method of equal principal and interest for 30 years. Under this repayment method, the monthly payment is fixed and the lowest. It's just that this method also has disadvantages, that is, you have to pay a lot of interest after 30 years. (3) Public Maintenance Fund After you get the house, you need to pay the public maintenance fund. This fee is different in different regions. Take my city as an example. The public maintenance fund is calculated by structure and area. Multi-storey structure per square meter 100 yuan, high-rise cast-in-place structure per square meter 150 yuan, high-rise frame-shear structure in 200 yuan 1 square meter. Give a simple example. For example, if you buy a 100 square meter high-rise frame-shear structure house, then the maintenance fund fee you need to pay is100 * 200 = 20,000 yuan. The payment method of public maintenance fund varies from place to place, depending on the city where you buy a house. (4) Deed tax deed tax is what each of us must pay when buying a house. If you don't pay it, you won't get the real estate license. If you can't get the property certificate, this house doesn't really belong to you. The payment of deed tax mainly depends on the area of the house. If you are the first suite below 90 square meters, the deed tax is 65438+ 0% of the total house price; If it exceeds 90 square meters, the deed tax shall be calculated at 1.5%. For the second suite, the charge is 1% for those under 99 square meters, and 3% for those over 90 square meters. ⑤ Intermediary fee To buy a second-hand house, you need to pay an intermediary fee. Under normal circumstances, the agency fee is 65438+ 0% to 3% of the total house price, which varies from place to place. 6 renovation costs If you buy a house and want to live immediately, you have to decorate it. Under normal circumstances, a house of 100 square meters will cost about 65,438+10,000 yuan if it is simply decorated. If it is a high-grade decoration, the wall should be tiled and the furniture should be at least about 200,000. 2. How much does it cost to buy a house? Next, I will give you a simple example to let you know more clearly how much it costs to buy a house. Suppose I want to buy a house with a total price of 6.5438+0 million, the first suite, and the loan method is 30 years of equal principal and interest, commercial loans, second-tier cities, and the down payment ratio is 30%. So the down payment I need is100 * 30% = 300,000 yuan. The down payment is a hard expense, which means that you have to have 300,000 in hand to buy a house with a total price of 654.38+00,000. After paying the down payment, you need to borrow 700 thousand from the bank. After 30 years, the monthly payment will be more than 3,700 yuan. Under normal circumstances, my suggestion is that the monthly payment for more than half a year should always be kept in the bank card, otherwise it will be confiscated one day and the house may be taken away if it is not returned last month. In other words, you have to prepare 3700*6=22200 yuan, which means you have to prepare at least 25000 yuan, otherwise your life pressure will be great. Of course, your monthly income should also exceed 3700 yuan, otherwise you can't afford the monthly payment at all. If you want to decorate, you should add at least 65,438+10,000 yuan, and prepare about 20,000 public maintenance funds after handing over the house. Small money such as other property fees is not counted first. Generally speaking, if you want to buy a house of 6.5438+0 million, you must have at least 350,000 in your hand, otherwise it is not suitable for buying a house. Finally: To sum up, I personally think that if you want to buy a house, first of all, you'd better have more than 35% of the total house price in your hand. Secondly, your monthly income should be twice as much as your monthly payment. For example, if the monthly payment is 3,000 yuan, then your monthly income should reach 6,000 yuan. Only two conditions are up to standard, which is suitable for buying a house. Otherwise, if you buy a house, you will have no money on you, and you can't even afford the monthly payment. Life is tight. The end result is often a change of ownership. Buying a house is a major event in life. You must think carefully before buying. Don't follow the trend. Be sure to calculate your financial situation before buying. Buying a house in a good economy is icing on the cake. Otherwise, buying a house will be pleasant for a while, and you will regret it after buying it.