At present, the interest rate of commercial loans for individual housing is: 7. 1 1% for five years and 6.75% for three to five years. Regarding the preferential margin, Xi 'an is generally 15%, and each bank will be different. You can also consult the relevant banks. The interest rate of provident fund is the unified interest rate stipulated by the state. Generally speaking, the interest rate of provident fund loans is lower than that of commercial loans, and the interest paid is less. For buyers with housing provident fund, using provident fund is more cost-effective than commercial loans. The annual interest rate of provident fund loans for less than five years (including five years) is 4.77 and 5.22 for more than five years.
When a newly-built commercial house goes through the mortgage loan formalities, the bank has to pay the appraisal fee, mortgage registration fee, notarization fee and insurance fee, and the specific expenses for mortgage formalities are determined by the lending bank. Reference fee: 1. Appraisal fee: 0.2% of the property value. 2. Mortgage registration fee: 80 yuan per copy. 3. Insurance premium: loan amount × insurance rate × loan term. 4. Notary fee: 1.5 ‰× loan amount. At present, the above fees are charged by different banks. The specific charging items need to be consulted with the bank that handles the mortgage. When a bank charges any fees, it must issue relevant invoices and receipts.
There are also some fees that need to be paid when handing over the house: generally, buyers will be required to pay overhaul fees, deed tax, real estate agency fees, natural gas, cable TV and other fees. The standard of deed tax collection is that the tax rate of ordinary commodity housing is1.5%; The tax rate for non-ordinary housing is 3%.
1. overhaul fund pays and withdraws according to the following regulations: According to the Management Measures for Special Maintenance Funds for Residential Buildings, the owners of commercial residential and non-residential houses pay maintenance funds according to the construction area they own, and the first special maintenance fund paid per square meter of construction area is 5% to 8% of the local construction and installation project cost per square meter. At present, the detailed rules of Shaanxi Province are under discussion and have not yet been promulgated, and they are still implemented according to the original standards for the time being. Buyers of multi-storey houses pay 2% of the purchase price, and buyers of high-rise houses pay 3% of the purchase price. Under normal circumstances, the overhaul payment is paid when the owner closes the house, and paid to the account designated by the property management office. For developers to accept overhaul fund's proposal, buyers can choose to agree to accept it, and they should also have the right to refuse it; After paying the overhaul fund to the relevant departments, the buyers can show the relevant bills to the developers as proof.
2. The charging standard of natural gas is: for the construction project before July 15, 2005, the residents of An * * * have paid three natural gas fees of 2,278 yuan, including the construction fund 760 yuan, IC card fee of 2 18 yuan, and user engineering installation material fee of 1300 yuan; If it is a new construction, reconstruction and expansion project after July 15, 2005, as long as the developer can provide the city supporting fees paid by the state, residents only need to pay two fees when installing natural gas, namely 15 18 yuan, that is, the user's engineering installation materials 1300 yuan and IC card 2/KLOC-0. Consumers pay different fees for natural gas, depending on the length of contracts signed by real estate developers and natural gas companies. In different years, the charging standards are different.
3. Other expenses, one for the developer and the other for the property management company. The fees paid to developers usually include: compensation for area increase; Liquidated damages; Account opening fee for pipeline natural gas; Cable TV installation fee; Telephone and broadband installation fees; Security system costs; Costs related to property agency; Other expenses stipulated in the real estate sales contract. Fees paid to property management companies usually include: several months of property management fees in advance; Working capital for hydropower generation; Decoration deposit; Decoration garbage cleaning fee, etc. Regarding the fees for property and other aspects, the situation in each community is different. You can check the cost column in the developer's notice of repossession, or consult the relevant management department.
In addition, if you signed the contract after the implementation of "one-price settlement" on June 65438+February 1 2007, the installation fees of natural gas and cable TV have been included in the house price, so the fees collected and remitted by natural gas, cable TV and developers should be excluded from the above fees. However, the overhaul fund and deed tax need to be paid by the buyer himself.