I hope I can help you. 1. Determining the goal of buying a house. Rational and planned consumption-the premise of buying a house. According to their own income, expenditure and other actual conditions to determine their own real estate. Don't buy a house just to buy three rooms and two halls, and do it in one step; But from their own actual situation, a good plan, in fact, can meet the basic housing needs, to avoid unnecessary extra burden, and it is very important to cultivate a gradient consumption concept. Second, the accumulation of down payment for buying a house-the key to buying a house. First set a goal, such as paying a down payment within five years after graduation, so in order to achieve this goal, distribute your income reasonably. Set aside a portion of funds regularly every month and work out a regular quota plan. Because if a compulsory savings plan with a regular quota is opened, a sum of money must be put forward regularly every month, which means that the available funds must be reduced, so consumption can be more rational. Bit by bit accumulation is a fortune. In addition, it is suggested that you can borrow the down payment from your parents first and return it later, which will shorten the accumulation time and reduce the potential price increase cost. Third, the study of common sense of buying a house Learn some basic knowledge of real estate-the necessity of buying a house. Buying a house is a professional behavior because it involves a huge amount of money. In some developed countries, mature and professional real estate agents can provide professional advice and services for individual buyers, and the laws, regulations and operating procedures are relatively standardized. Individual buyers have already established a relatively mature model and the process is relatively easy. However, at present, the domestic real estate market has not cultivated such a professional housing agent for individual buyers. Therefore, it is necessary to learn some basic knowledge of real estate before buying a house. Fourth, the screening of the scope of buying a house chooses the real estate that suits you-buying a house according to your ability. Small area, low down payment and low total price are suitable for young people. It is suggested that you can buy a second-hand small house in the city center or a newly opened small apartment. The advantages of second-hand small houses are convenient transportation, mature supporting facilities and relatively favorable prices; In addition, because the job mobility of young people is still quite large, considering a place with suitable transportation, even if the job changes and moves, it is still convenient to travel. The advantages of newly opened small huxing are more reasonable huxing, higher living comfort and relatively higher return on investment in the future. V. Saving Travel Time Cost Before buying a house, you should also consider the travel time cost. Because we can easily find that the time cost and transportation cost of crossing the city are becoming more and more expensive. If you spend 2 hours on transportation every day, then January =6 hours =2.5 days, 1 year =73 hours =3 days, 5 years = 36,5 hours = 1,52 days =4 years. Office workers who drive or take buses spend an average of two hours a day on transportation, and about one month a year in the car. If you concentrate the two hours spent every day, take a car for a month continuously, or drive for a month without sleep, you will realize the considerable amount of time. On the contrary, if you spend these hours on work or other aspects, you can create more benefits. If the time limit is enlarged to 5 years, the value of time cost will be amazing. Determining the 5-kilometer life circle reminds friends who want to buy a house that grasping the 5-kilometer life circle is an effective parameter to measure the benefit and quality of buying a house. The smaller the cost, the higher the cost performance of the house purchased. In this way, the extra money paid after buying a house will be less and less. VI. Understanding of the cost of buying a house After determining the goal and scope of buying a house, some basic expenses of buying a house must be calculated in advance. Although these expenses seem to be small on the surface, some of them are fixed values, but when combined with the total house price in the future, their expenses are still not small. Deed tax on transaction costs: 1.5% for ordinary commodity houses below 12 square meters and 3% for high-grade houses such as apartments and villas. When the actual transaction price of houses is more than 1.2 times the average transaction price of houses on the same level of land, the deed tax will be charged at 3%. Registration fee: 8 yuan stamp duty for each set: 5 yuan handling fee: 3 yuan/square meter loan fee: loan insurance: charged at six ten thousandths of the loan amount × wholesale insurance coefficient, which varies according to the length of insurance period. Mortgage fee: loan amount ×1.4‰ registration fee: 8 yuan stamp duty: 5 yuan Remarks: The above are just the usual house purchase fees, but the fees to be paid for buying different houses vary from person to person. VII. Specific examples of house purchase expenses (1) A property buyer purchases a set of commercial housing, and the quotation starts at 5,5 yuan per square meter (existing house). Now suppose that the property buyer has selected a set of two bedrooms and one living room on the 5th floor, with an area of 81m2, and the price is 57 yuan/m2, so the expenses for purchasing this commercial house should include: 1. House price: 57 yuan/m2× 81m2 = 4617 yuan; 2. Taxes payable: 1. During the transaction transfer: (1) Deed tax: 4% paid by the buyer. (2) Handling fee: .5% of the transaction price paid by both parties, equal to 461,7 yuan × .5% = 2,38.5 yuan; (3) Stamp duty: The buyer and the seller each pay .5‰ of the contract amount, which is equal to 461,7 yuan × .5 ‰ = 23.85 yuan. The total of the three items is: 21,7.35 yuan. 2. In the process of applying for the title certificate, (1) registration fee: .3 yuan per square meter of building, which is equal to .3 yuan/square meter ×81 square meter = 24.3 yuan; (2) house ownership certificate fee: 4 yuan per certificate. If the property right of the house is more than 2 people, you should also apply for a house * * * right license, and the fee for each license is 2 yuan. (3) Stamp duty: 5 yuan per piece. The total of the three items is 33.3 yuan (4) maintenance fund: 2% of the purchase price, equal to 461,7 yuan × 2% = 9,234 yuan. VIII. Specific examples of house purchase expenses (II) III. Property management fees According to the provisions of the Measures for Property Management of Residential Areas in Beijing, new residential areas must implement property management in a unified manner. According to "Beijing Residential District (Ordinary) Entrusted Management Charge Standard (Trial)", the fees payable by buyers who are both users and property owners are as follows: 1. Handling fee for moving in: 2 yuan (one-time). 2. External freight for decoration garbage: 2 yuan/room × 6 = 12 yuan (one-time). (Note: Two bedrooms and one living room plus kitchen, toilet and balcony are considered as 6 bedrooms) 3. Cleaning fee: 36 yuan/year per household. 4. Security fee: 24 yuan/year/household. 5. All fees are charged in a unified way: 12 yuan/year/household. 6. Bicycle parking fee: 48 yuan/year per household (based on two cars per household). 7. TV antenna fee for * * *: 39.84 yuan/year per household (based on the fact that each household has two terminals). 8. Freight for domestic garbage: 7 yuan/year/household. 9. Septic tank cleaning fee: 24.3 yuan/year per household. 1. Management fee: 113.4 yuan/year. 11. Minor repair fee: 155.52 yuan/year. 12. Medium repair fee: 554.32 yuan/year. 13. Maintenance cost of public facilities in the community: 81 yuan/year. 14. Heating cost: 1296 yuan/heating season. Remarks: As this commercial house is a multi-storey ordinary residence, the property management fee does not include the elevator and water pump fees, and the parking fee required by the property owner to own a motor vehicle is not considered in the fee. In addition, the specific fee is time-sensitive, which is just a general fee display. From the above calculation, it can be seen that in addition to the house price of 461,7 yuan, related taxes and fees, property management fees, etc. At the same time, after buying a house, you still need to pay a property management fee of 2381.38 yuan every year. Sina Real Estate Reminder: The property management fees that need to be paid after purchasing commercial housing are not taken into account by most buyers, and the fees listed above are only the standards of ordinary houses. The property management fees of other senior apartments and villas are subject to market prices, and the standards will be higher. Therefore, remind property buyers to know fairly well before buying. On the other hand, developers or intermediaries should also clearly inform buyers of this issue when selling houses. IX. Understanding of the cost of buying second-hand houses After determining the goal and scope of buying a house, some basic expenses of buying a house must be calculated in advance. Although these expenses seem to be small on the surface, some of them are fixed values, but when combined with the total house price in the future, their expenses are still not small. Generally, the agency fee for purchasing second-hand housing is 1% for the buyer and 1% for the seller, depending on the room rate in 1 yuan each time. Surveying and mapping fees have land certificates, and there is no need to pay for surveying and mapping; If there is no land certificate, it is necessary to pay the assessment fee of 13 yuan Surveying and Mapping Fees. The assessment fee for the certified house (private house) is 5‰, and if a loan is needed, it is 7 ‰; There is no need to evaluate the transfer of purchased public houses. If the loan needs to be evaluated, the cost is 2‰. The transaction fee deed tax is 1.5% for ordinary houses and 3% for high-grade houses. In addition to paying taxes at 1.5%, the purchased public houses should also pay land revenue at 1% of the difference between the actual purchase price and the assessed price. Registration fee: each set of 8 yuan stamp duty: 5 yuan, and both parties need to pay a handling fee: 3 yuan/m2, which both parties need to pay. Business tax: if an individual purchases and lives for less than one year, he shall pay 3% of the difference after deducting the original purchase price from the sales price, which shall be paid by the seller. Loan cost loan insurance: it is charged at six ten thousandths of the loan amount × wholesale insurance coefficient, and the wholesale insurance coefficient varies according to the length of insurance period. Mortgage fee: loan amount ×1.4‰ Registration fee: 8 yuan stamp duty: 5 yuan Note: If the seller declares that the price of the house sold is net at the time of purchase, it means that all taxes and fees arising from the transaction between the two parties will be borne by the buyer. Remarks: The above are only the usual purchase fees, but the fees for buying different houses vary from person to person.