2. Stamp duty: 0.05% of the total house price is paid directly when the contract is concluded, which is generally paid together with the down payment, so that the developer can uniformly handle the contract registration and real estate license; 3. Bank mortgage fees: If you apply for a mortgage loan, the second group of fees to be paid when signing the contract is bank mortgage fees, and the charging items for commercial loans are slightly different from bank to bank; A. mortgage registration fee: 80 yuan/household B. stamp duty on warrants: 5 yuan/household C. insurance premium: property insurance premium = total house price × annual rate × service life coefficient. The insurance premium is paid in one lump sum. (The insurance premium rates are roughly:10.07% for 5 years, 0.06% for 6~ 10 years, 0.055% for15 years, and 0.055% for 16~20 years.
0.05%, more than 20 years 0.045%)4. Overhaul fund: 2%-3% of the purchase price is public facilities and equipment maintenance fund (involving housing parts, such as exterior walls, roofs, sewers and water pipes). The charging method is as follows: a. excluding elevators: total house price × 2%; B. elevator included: total house price × 3%; C. The fee for some pilot buildings is 50~60 yuan /m2. After a developer or a property management company wants to open an account in a bank designated by the local Housing Authority, the buyers can deposit it themselves.