In addition to the down payment, the fees that need to be paid for the loan to buy a house are:

1, deed tax; 2. Common dimension 4. Ownership registration fee; 5. Property management fee; 6. Decoration guarantee RMB/piece, stamp duty of property right certificate 5 yuan/piece, lawyer's witness fee per piece; 9. Notary fees; 10, stamp duty.

legal ground

The "Provisional Regulations on Deed Tax in People's Republic of China (PRC)" refers to the transfer of ownership of land and houses, and the units and individuals undertaking deed tax shall pay deed tax in accordance with the provisions of these Regulations.

Second, in addition to the down payment, what additional fees do you have to pay for the loan to buy a house?

Yicheng

3. Does the down payment for buying a house include deed tax and maintenance fund?

The down payment for buying a house does not include deed tax and maintenance fund, which needs to be paid extra:

Deed tax:

(a) for individuals to buy the only family housing (family members include the purchaser, spouse and minor children, the same below), with an area of 90 square meters or less, the deed tax shall be levied at a reduced rate of 1%; If the area is over 90 square meters, the deed tax shall be levied at the reduced rate of 1.5%.

(2) Deed tax shall be levied at the reduced rate of 1% for individuals who purchase a second set of improved family housing with an area of 90 square meters or less; If the area is more than 90 square meters, the deed tax shall be levied at a reduced rate of 2%.

The maintenance fund shall be paid to the commercial bank designated by the real estate department of the district where the property is located according to the proportion of about 2% of the total house price.

4. What fees do you need to pay for the loan to buy a house in addition to the down payment?

1, deed tax, the first suite area below 90 square meters shall be levied at 1% of the house price, and the first suite area above 90 square meters shall be levied at 1.5% of the house price; The second suite with an area of less than 90 square meters is levied at 1%, and the second suite with an area of more than 90 square meters is levied at 2%. (The second suite in the north, Guangzhou and Shenzhen area is levied according to the standard of 3%, and the special policies of individual regions are not excluded).

2. Housing maintenance fund, the payment standard is as follows: local policies are different, generally 2-3% of the purchase price. Generally, it is handed over to the developer before delivery, and the developer gives it to the Housing Authority. After unified occupancy, it will be managed by the owners' committee for large-scale maintenance such as roof waterproofing, elevator overhaul and external wall.

3. Mortgage fee and mortgage registration fee: ordinary residence in 80 yuan and non-ordinary residence in 550 yuan shall be paid to the Housing Authority. Insurance premium: Most banks have to buy insurance. Insurance premium = total house price × rate (generally lower than 0.06% for different insurance companies) × loan period, which shall be paid to the insurance company in one lump sum.

4. Ownership registration fee, 80 yuan/real estate license, and each additional owner will increase the fee 10 yuan.

5, property management fees, from the date of acceptance, generally half a year or a year to pay. The charging standard is determined through consultation between the owners' committee and the property, and can be adjusted flexibly.

6. Decoration deposit. Some communities collect decoration deposit from decoration owners when handing over the house. The cost ranges from hundreds to thousands, in order to prevent the construction from causing damage to the community. After the renovation, the money will be returned to the owner.

7. Stamp duty on warrants, 5 yuan/Ben, plus 5 yuan for each additional buyer.

8. The lawyer's witness fee shall be paid by the lawyer who witnessed the signing of the contract.

9. Stamp duty, the collection standard: taxable value ×0.05%. When signing a contract, it is usually paid together with the down payment. At present, individuals selling or buying houses are temporarily exempt from stamp duty.

Extended data:

Buying a house with a down payment requires the following conditions:

1. The materials and procedures required to handle the house purchase loan are as follows: ID card, household registration book, marriage certificate, income certificate, bank account, and house purchase contract (the married person provides the information of both husband and wife).

2. Conditions for applying for a mortgage: As long as there is stable income, the bank has running water, and it is enough to have running water every month. The monthly income on the income certificate needs to be twice that of the monthly payment, for example, the monthly payment needs 2,000 yuan, and the monthly income needs about 4,000 yuan. In addition, the credit cannot be overdue. The requirement of ordinary banks is that they cannot be overdue for three times in a row and six times in two years, which is based on families.