The minimum down payment for buying a house by installment is generally 30%, and so is the new house. However, in order to attract more customers, a few properties have achieved 20%, and the developer requires you to designate a bank loan, or a small apartment with a better location can also have a low down payment.
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Apart from the easy-to-calculate major expenses-"house payment", paying taxes and fees to the Housing Authority and the Tax Bureau is the first payment in the house payment, which mainly includes the following items:
1. deed tax: the amount is 65438+ 0.5% of the house price, half of which will be paid when the transaction is verified, and the other half will be paid when the property ownership certificate is obtained after moving in.
2. Stamp duty: the amount is 0.03% of the house price, which will be paid when the transaction is verified.
3. Transaction management fee: generally, it is 3 yuan per square meter, which should also be paid when the transaction is verified.
4. Property ownership certificate fee: from 5 yuan to 20 yuan. If there is more than one owner, there will be an extra charge for each copy in 5 yuan.
5. In addition, there are ownership registration fees, survey fees and other fees, generally between 500 yuan and 800 yuan.
Note: Take a 100 square meter house with a price of 400,000 yuan as an example, the total cost of this part is about 7,000 yuan. These expenses must be paid within the legal time, when to pay half and when to pay the other half, and must be clearly stated in the contract, and the requirements of the developer cannot be heard. Otherwise, it will infringe on the legitimate rights and interests of property buyers, or there will be some procedural troubles in the future.
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