1, down payment
According to the proportion of 30% down payment for the first suite, a house with a total price of 654.38+00,000 needs to be prepared with a down payment of 300,000.
2. Deed tax
If the first suite is less than 90 square meters, the deed tax of 1% will be levied; A deed tax of 1.5% will be levied on the first suite with a construction area of over 90 square meters.
If the second suite is less than 90 square meters, the deed tax of 1% will be levied; 2% deed tax is levied on the second suite with a construction area of over 90 square meters. (deed tax policy for second home, except for Beishangguangshen and Shenzhen)
Assuming that the total house price is 6,543.8+0,000 and the area is 89 square meters, the deed tax is 6,543.8+0,000.
3. Housing maintenance fund
Different cities have different types of houses, and the collection standards of housing maintenance funds are different. Some are levied according to the standard of tens of yuan per square meter, such as 40 yuan/m 2; Some are based on a certain proportion of the payment, such as 2% of the payment; Others are levied according to the standard of X yuan per square meter per month, such as 0.25 yuan per square meter per month.
Before buying a house, you need to know the charging standard of the housing maintenance fund in your city.
4. Stamp duty on warrants
Ordinary residential 5 yuan/piece.
5. Warrant registration fee
Ordinary residential 80 yuan/film.
6. Property fee and heating fee
When handing over the house, the general property management company will charge a property management fee for one year. In addition, the heating area, but also charge heating fees. Different heating methods in residential areas lead to different heating costs.
In addition, in real life, property fees and heating fees are also a big expense. As the grade of real estate is getting higher and higher, the cost of property is also rising.
7. Decoration expenses
If the new house you buy is a rough house, then you need to decorate it yourself and configure furniture and appliances. This part may cost a lot of money.
8. Monthly payment
Buy a house with a loan, and pay off the mortgage every month. The monthly payment should be controlled at about 30% of the monthly income, and the monthly payment exceeds half of the family income, which will lead to a decline in living standards and an increase in pressure. In addition, considering the rising interest rate of loans, personal income reduction and other factors, it is best to set aside some money when buying a house with personal loans.
(The above answers were published on 20 17-04-05. Please refer to the actual situation for the current purchase policy. )
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