What else should I pay besides the mortgage down payment? Seven, seven, eight, eight!

Recently, a small partner was consulting and said that he planned to buy a house. He chose a bank loan and only considered the down payment. I want to know, what money should he pay besides the down payment on the mortgage? In fact, buying a house is a long and complicated process, not only a down payment, but also a lot of miscellaneous expenses. You can learn about it.

I deed tax

According to the regulations, the deed tax is paid when the real estate license is issued. According to feedback from netizens, some developers will be forced to pay in advance when handing over the house. In fact, this kind of compulsory expropriation is forbidden, and everyone has the right to pay it himself.

Second, the public maintenance fund.

Give it to the developer before handing over the house, and the developer will hand it over to the Housing Authority. After unified occupancy, it will be handed over to the owners' committee for unified management, which will be used for large-scale maintenance such as roof waterproofing, elevator overhaul and external wall.

Third, the mortgage registration fee

According to the policies of various banks, under normal circumstances, residential 80 yuan/apartment and non-residential 550 yuan/apartment are handed over to the Housing Authority.

Four. insurance expenses

According to the bank's situation, the insurance premium = total house price × rate × loan period, which is paid to the insurance company after one-time sexual intercourse.

Verb (abbreviation of verb) ownership registration fee

The cost of handling the title certificate is 80 yuan/cost, and the cost will increase for each additional owner 10 yuan.

Intransitive verb property management fee

From the date of acceptance, that is, the date of delivery, the payment is generally half a year or one year. The charging standard is determined through consultation between the owners' committee and the property, and can be adjusted flexibly.

Seven, decoration deposit

When the property is handed over, the decoration deposit is charged to the decoration owner, and the cost ranges from several hundred to several thousand, in order to prevent the construction from causing damage to the community.

Eight. other charges

The map is issued in 25 yuan/Zhang, and the stamp duty of the title certificate is in 5 yuan/Ben. For each additional buyer, 5 yuan.