In addition to paying the price of the house itself when buying a house off-plan, you also need to pay the following taxes and fees: 1. Deed tax.
The deed tax is paid by the home buyer and is levied on the full price of the property.
For a first-time home, generally speaking, the deed tax rate is determined based on the size of the house purchased. If the house area is less than 90 square meters, the rate is 1%; if the house area is more than 90 square meters, the rate is 1.5%.
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2. Stamp duty.
The stamp duty rate is 0.05% and is currently exempt for residential properties.
3. Housing maintenance fund fee.
The housing maintenance fund fee is a maintenance fund paid to the developer for the maintenance of housing facilities. It is generally deposited at 2% of the total value of the house.
4. Property management fees.
Generally speaking, the property management fee is calculated after the home buyer accepts the new house. Unlike when renting a house, the property management fee is paid together with the rent every month. When buying a house, the property management fee is generally paid three months in advance.
5. Mortgage registration fees.
80 yuan/unit for residential units and 550 yuan/unit for non-residential units.
6. Property registration fee.
80 yuan/set for residential units, 550 yuan/set for non-residential units, and the certificate cost is 10 yuan/unit.
What risks should you pay attention to when buying an off-plan house? 1. Risks of delayed delivery and use of the house. If the developer cannot deliver the house according to the time stipulated in the contract, first of all, the buyer cannot move in as scheduled, and the residential use function of the house cannot be reflected. For example, if the house is purchased off-plan as a wedding house, it may
When it was time for the wedding, the house had not been decorated yet, which caused some trouble.
In addition, if an investment home buyer delays the time to receive investment returns, it also delays the time to recover interest and profits.
2. The risk of uncertain housing quality. Due to reasons such as market reputation and financial strength, developers may have differences between the building quality, building decoration materials, building structure, supporting facilities, etc. and those in the home purchase contract when they see the house.
, the most important thing to pay attention to is the inconsistency between the change in the building area and the decoration situation.
3. The risk of failure to obtain the real estate certificate on time. Due to various reasons, the developer cannot obtain the house ownership certificate for the entire project on time, and the home buyer cannot obtain the house ownership certificate on time, which may lead to the buyer suffering from property rights re-conversion or
Risk of blocked mortgage financing.
In addition, with the introduction of regulatory policies, although housing prices have not significantly loosened, if buyers choose the wrong time to buy a house, they may also encounter losses caused by a decline in the real estate market and falling real estate prices.
4. Look for the "Five Certificates" when buying a house off-plan, and read the "Two Certificates" when closing the house. The editor reminds home buyers to check whether the developer and seller have the "Five Certificates" when buying a house, and carefully check the "Five Certificates" when taking over the house.
Two books".
The "five certificates" refer to the "State-owned Land Use Certificate", "Construction Land Planning Permit", "Construction Project Planning Permit", "Construction Project Construction Permit" (Construction Project Commencement Permit), "Commercial Housing Sales (Pre-Sale)
license".
The "two books" refer to the "Residential Quality Guarantee" and the "Residential Instruction Manual".
The "Five Certificates" guarantee that the house purchased is within the scope of legal transactions, and the pre-sale range is the salable properties of this project. Home buyers must see clearly whether the purchased floor is within the pre-sale range.
The "two documents" can be used as supplementary provisions in the commercial housing sales contract, and are legal documents and guarantee documents provided by the real estate development enterprise to the buyers to assume responsibility for the quality of the commercial housing when the commercial housing is delivered for use.