Xiao Liu, 28, took a fancy to a small three-bedroom apartment with a total price of 650,000 yuan and an area of 90 square meters in a second-tier city in his hometown. Next, he will complete the following steps, and the whole process of buying a house will be over.
Step 1: Pay the deposit.
Xiao Liu paid a deposit of 30 thousand yuan, and the developer kept the house and agreed to pay the down payment in a few days.
Step 2: Pay the down payment and sign the sales contract.
As this is Xiao Liu's first suite, he can only pay 20% down payment, that is, 6,543,800 yuan+0.3 million yuan. Since I paid 30,000 yuan before, I only need to make up 6.5438+0.3 million yuan now. Generally, while paying the down payment, stamp duty should be paid at 0.5‰ of the total house price. At present, the house is exempt from stamp duty.
When signing the house purchase contract, Liu Ye Jr. reminded everyone to pay attention to the following matters:
(1) To make it clear that the Commercial Housing Sales Contract signed with the developer is a contract text uniformly printed by the Bureau of Land Resources and Housing, it is necessary to find out whether the person who signed on behalf of the developer is its legal person, and if not, whether it holds the Power of Attorney, and at the same time, the developer is required to affix the official seal to the contract.
(2) When signing a contract, be sure to read the contract text carefully and confirm the contents signed by both parties. If what you care about is not reflected in the contract, then you must sign a supplementary agreement or a special agreement with the developer.
(3) At the same time of signing the contract, the developer should provide the Residential Quality Guarantee and the Residential Instruction Manual, so that the property and the equipment in the property can be used smoothly when the building is repossessed, and the developer can enjoy the warranty service pass. With these two books in hand, it shows that the property you get is still credible.
Step 3: Apply for a house loan and pay relevant fees.
The total house price is 650,000 yuan, the down payment is 6.5438+0.3 million yuan, and Xiao Liu needs a loan of 520,000 yuan. Since Xiao Liu's provident fund loan can only be 300,000, he still needs 220,000 commercial loans.
1. Attorney's fee: 3 ‰ of the loan amount applied; If it is less than 100 yuan, it will be charged at 100 yuan; Housing provident fund loans, no lawyer fees; But if it is a portfolio loan, the commercial loan will be charged at 3‰. That is, Xiao Liu has to pay 660 yuan's legal fees (220,000 *3‰).
2. Notarization fee: If the house needs to be notarized, a certain percentage of notarization fee shall be paid. The standard of notarization fee is generally from 200 yuan to 400 yuan, or charged according to the standard of notary office.
Xiao Liu was told that the lawyer's fees and notarization fees were not necessary expenses, and because Xiao Liu did not need to entrust an agent to handle or notarize, he did not pay them.
Step 4: move in and pay the property fee.
After handling the loan, Xiao Liu began to pay back the monthly payment. About a year later, Xiao Liu received a notice of occupancy from the developer and began to hand over the house. Xiao Liu sighed, don't look at the humble property fee, which is a big expense over time!
1. Property management fee: General property management companies will charge a property management fee for one year.
The residential property fee purchased by Xiao Liu is 3 yuan/m2/month, and the total annual property fee is 3,240 yuan (90*3* 12).
2. Heating fee: Since the city where Xiao Liu is located does not provide heating, it also saves the heating fee. In northern heating cities, the heating fee is charged quarterly, generally 20-30 yuan/m2, that is to say, if the house area is 90 m2, the heating fee in this quarter is 1.800-2.700 yuan.
Here, George W. Liu Ye reminds everyone that all relevant materials should be brought when handing over the house. The occupancy notice will generally explain the time and place of repossession, the materials to be brought and the fees to be paid. When signing the property management convention, we must clearly see the service standard provided by the property, what aspects of the property management fee should be paid in the future, and how the cleaning fee, security fee and greening fee are approved, so that the property management company can make it clear and clear. In addition, you should also calculate the pool area to see which part of the whole building you have shared, and sign the House Acceptance Sheet.
Step 5: Apply for the house title certificate.
1. deed tax: the new deed tax policy will be implemented on February 22, 20 16. The total house price of the first suite of 90 flats and below 1%, and the total house price of the first suite of 90 flats and above 1.5%. Buying a small house with a total price of 650,000 square meters requires a deed tax of 6,500 yuan.
2. Housing maintenance fund: generally 2%-3% of the total house price is paid, and some are levied at tens of yuan per square meter. This fee was managed after the establishment of the owners' committee. The property purchased by Xiao Liu is the housing maintenance fund fee of 80 yuan /m2, so the fee paid is 7200 yuan (80*90).
3. Housing property registration fee: paid according to the 80 yuan price of each house.
4. Property Ownership Certificate: 4 yuan for each property ownership certificate.
5. Stamp duty: 5 yuan per piece.
Finally, Xiao Liu used the whole process of buying a house as follows:
Down payment1.3000 yuan+property management fee 3240 yuan+deed tax 6500 yuan+house maintenance fund 7200 yuan+registration fee 80 yuan+property certificate 4 yuan+stamp duty 5 yuan = 1.470.29 yuan.
Many people think that a down payment is enough to buy a house. As a result, I was dumbfounded when I saw that I had to pay so much for the delivery of the house, and I couldn't get 30 thousand or 50 thousand for a while, so I had to borrow it from my relatives and friends. In the whole process of buying a house, the relatively large expenses include down payment, property fee, deed tax and housing maintenance fund. Before buying a house, you should understand these big expenses, so that you can make a good budget for buying a house.
(The above answers were published on 20 16-04-28. Please refer to the actual situation for the current purchase policy. )
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