1, deed tax, less than 90 m2 1%, more than 90 m21.5%; 2. Maintenance fund: 2% to 3% of new houses are public facilities and public facilities maintenance fund, including external walls, roofs, sewers, water pipes and other public facilities. 3. Stamp duty is paid when signing the contract. Generally, 0.5% down payment is paid together with the down payment, which is convenient for the developer to go through the formalities. 4. Mortgage registration fee per 80 yuan; 5. Stamp duty on warrants, 5 yuan per household; 6. Insurance premium: house insurance premium = total house cost multiplied by annual rate multiplied by annual fee coefficient.
Procedures for buying a new house
1, house selection: When choosing a house, buyers must pay attention to field visits and have a great understanding of the strength and reputation of developers. In the process of on-the-spot investigation, buyers can judge the quality of real estate through investigation, including the real estate that developers have seen before, the reputation of owners to developers, and the reputation of developers in the industry, which are very important for buyers.
2. Pay the down payment first, then pay the down payment: Once the buyer chooses the house he wants to buy, he must pay the down payment, but be careful when paying the down payment, because it is legal. Once he breaks the contract, the deposit can't be recovered. Once he breaks the contract, he has to pay double the deposit. If you don't pay the down payment, you can pay the down payment first, because most people buy it with loans, so the first step is to pay the down payment.
3. Sign a house purchase agreement: During the payment period, the buyer and the seller should sign a house purchase contract, which is an important document to protect the rights and interests of both parties. Therefore, when signing a contract, buyers should carefully check the blank clauses in the contract to see whether their obligations and rights are equal, whether the liability for breach of contract and the amount of compensation are clearly written, and the time and conditions for handing over the house should also be indicated to see if it is monopolized by the developer.
4. Handling loan business: After the house purchase contract is signed, the buyer will go to the bank to handle the loan. In the process of handling the loan, all you have to do is hand over the house to the bank and then mortgage the loan. Then before signing the loan contract, the bank will review the borrower's credit status and repayment ability, and then the bank will give you a house. At that time, all you had to do was wait for the bank to lend money.
5. House handover: Third, the buyer has to wait for a period of time to go through the handover procedures, which is an important part of the buyer. In the process of house inspection, we should carefully check the quality of the house and provide three certificates and one book. If the buyers feel tired and find that the house has quality problems, they must communicate with the developers in time and negotiate solutions.
6. Real estate registration: Finally, property buyers have to apply for property certificates, which are also an important part of buying a house. Property buyers can only have the complete property right of the house if they have the property right certificate, and the handling of the property right certificate is mostly organized by the developer to the real estate management department.