I. Taxes and fees payable by property buyers:
1, deed tax (this year's new national regulations-/kloc-4% of the purchase price of more than 0/20 square meters; Stamp duty on the following total house price: five ten thousandths of the house price.
3. overhaul fund (Equipment Maintenance Fund): 2% of the purchase price.
4. Production cost: a set of 50- 100 yuan.
5. Transaction cost: building square meters *6
6. Surveying and mapping fee: building square meters * 1
Secondly, property buyers must also pay:
7. Appraisal fee: five thousandths of the purchase price.
8. Other expenses: loan amount * two thousandths.
Three, legitimate developers should hold five certificates:
1, state-owned land use certificate
2, the construction project planning permit
3, construction land planning permit
4. Construction permit for construction land
5. Pre-sale permit for commercial housing
Four, Tianjin loans to buy a house need to master the following six standards:
1. Make a comprehensive evaluation of the existing economic strength of the family, so as to determine the down payment amount and proportion of the house purchase.
2. Make reasonable expectations for the family's future income and expenditure.
3. Learn to calculate your repayment ability. The calculation method of repayment ability is the balance of the average monthly income minus the average monthly expenditure.
4. Learn to calculate your own loanable amount. Formula calculation: the loanable amount is equal to the borrower's monthly repayment ability divided by the monthly repayment amount per 10,000 yuan of the corresponding loan term × 1 10,000 yuan.
5. The optimal combination principle of portfolio loans. Provident fund loans as much as possible, commercial loans as little as possible. Because the expected annualized interest rate of provident fund loans is far more favorable than that of commercial loans.
6. The down payment principle is loose.