People can calculate the number of houses they buy. If you buy a house with a loan, the minimum down payment should be above 30%. If you choose a provident fund loan, the minimum down payment is 20%. If you want to pay more down payment, developers are welcome. The specific down payment can be determined according to your own financial situation. Of course, your loan amount will vary with the down payment. (2) Pay stamp duty
When the purchaser signs the purchase contract and pays the down payment, he still needs to pay stamp duty, which is usually 0.5‰ of the total house price and 0.3‰ of the newly-built domestic commercial house. This amount was collected by the tax authorities. (3) Pay legal fees
In the process of housing loan, due to the lack of relevant knowledge of property buyers, developers or lawyers are generally entrusted to handle it on their behalf. The expenses paid by the property buyers for this purpose are 3‰ of the total loan application, and if it is less than 100 yuan, it will be charged at 100 yuan. If you apply for a housing provident fund loan, you don't have to pay the lawyer's fee. If you apply for a portfolio loan, in addition to the provident fund loan, you also need to pay a lawyer's fee of 3‰ for commercial loans. (4) Pay notary fees
When the house purchased by the property buyers needs notarization, they need to pay a notarization fee according to a certain proportion. In general, the standard of notarization fee is between 200-400 yuan, or calculated according to the charging standard of notary office. (5) Pay the house sales contract tax.
This money is collected by the tax authorities, which is generally 6% of the purchase price, of which more than 3% is subsidized by the government, and buyers only need to pay 3% or less of the total house price. Later, the state introduced measures to reduce the deed tax on house purchase. The deed tax on house purchase was reduced from 3% to 1.5%, and all vacant houses were exempted from deed tax. (6) Payment transaction transfer fees
This money is collected by the real estate transaction management department, which is generally 0.5‰ of the total house price, and 0.8‰ of the total house price if it is a newly-built domestic commercial house. (7) Pay the investigation fee.
This amount is charged by the real estate transaction management department at 0.05 yuan per square meter of construction area. (8) Pay the initial registration fee
This amount is charged by the real estate transaction management department at 0.25 yuan per square meter of construction area. (9) Payment of warrant fees
The money is collected by the real estate transaction management department according to the standard of each piece in 25 yuan. (10) Pay the personal housing loan guarantee fee.
If the loan housing is commercial housing and second-hand housing, buyers need to pay personal housing loan guarantee fees, which are collected by the guarantee center. The amount of guarantee fee is related to the loan amount and loan life. If the housing loan is affordable housing, housing reform housing or fund-raising housing, you only need to pay the housing provident fund loan guarantee fee, which will be collected by the guarantee center. If you don't have a loan, but you pay it in one lump sum, you don't need to pay this fee. (1 1) mortgage registration fee
Property buyers need to pay the mortgage registration fee to the Housing Exchange, 75 yuan. (12) payment of insurance premium
There are two ways to pay the insurance premium. Under normal circumstances, buyers (refers to loan buyers, if you don't have a loan, but you don't need to pay this fee in one lump sum) should choose the first form.
① Mortgage plus joint liability guarantee: insurance premium = house price × annual insurance premium rate × discounted present value coefficient.
(2) Mortgage plus comprehensive housing insurance is divided into housing insurance and life insurance:
A housing insurance = loan amount × annual insurance rate × discounted present value coefficient
B. Personal insurance = loan amount × main insurance rate × unemployment insurance (13) Pay the real estate mortgage registration fee.
Usually, it is calculated by stages according to the total house price, such as 1 ten thousand yuan (including 1 ten thousand yuan) charged by 1 ‰; Between 6.5438+0000 yuan and 20 million yuan (including 20 million yuan), it will be charged at 0.4‰. If you don't have a loan, but you pay it in one lump sum, you don't need to pay this fee. (14) Pay the heating fee
Due to the different heating methods in residential areas, the heating fees paid by buyers are also different, mainly in accordance with the relevant regulations of the city where the local residential area is located. (15) Pay the public facilities maintenance fund.
Usually pay 2% of the total house price, which is managed by the owners' committee. (16) Pay the property registration fee.
The usual standard is 80 yuan per house. (17) Payment of house ownership certificate
It's 4 yuan each, sometimes it floats a little.