Total price: 560,000 yuan
Loan amount: 440,000 yuan (the loan amount is an integer of ten thousand digits, and the proportion does not exceed 80% of the total amount).
Note: the loan amount is related to personal credit and whether there is a first suite, and the maximum is not more than 80%.
Down payment (total contract price-total loan amount) 120000.00
Overhaul fund (total contract price *3%) 16800.00
Cadastral survey fee (80.8 yuan/set) 80.80
Deed tax (total contract price * 1%) 5600.00.
Stamp Duty on Warrants (5 yuan/set) 5.00
Contract stamp duty (total contract price *0.05%) 280.00
Mortgage registration fee (80/ set) 80.00
Stamp duty on mortgage (loan amount *0.005%) 22.00
Note: At present, the average residence in Chongqing is 1%, which is said to rise to 1.5%. Overhaul fund is calculated at 3% (I plan to buy you an elevator, or 2% if it is not an elevator).
So your down payment: down payment+overhaul fund+sporadic cadastral survey fee+deed tax+stamp duty of ownership certificate+contract stamp duty+mortgage registration fee+mortgage stamp duty = 142867.80 yuan.
The monthly mortgage of 440,000 yuan is about 2,904 yuan (the repayment amount of 20 years 1 10,000 yuan is about 66 yuan).
Okay, simple and clear. You can calculate how many houses you want to buy. If the building area exceeds 90 square meters, you won't get 80% of the loan. You have to calculate the maximum loan of 70%, that is, the loan amount cannot exceed 70% of the contract amount. The first suite is different from the second suite, and the situation of multiple suites is different. Generally, the first suite can be 20%, and the second suite will be 50%. Ask the bank specifically.
One-time payment:
There is usually an extra discount, right? I'll give you a 99% discount
Total price = 560,000 yuan * 0.99 = 554,400 yuan.
Overhaul fund (total contract price *3%) 16632.00
Cadastral survey fee (80.8 yuan/set) 80.80
Deed tax (total contract price * 1%) 5544.00
Stamp Duty on Warrants (5 yuan/set) 5.00
Contract stamp duty (total contract price *0.05%) 277.2
Total payment = 576,939 yuan
I don't know what your one-time payment discount is, but it depends on you.
If you can't understand this information, I will tell you.