1. What taxes do I have to pay to buy a house in Xixian County? 1. deed tax: 65438+ 0.5% of the total house price, 1.5% for ordinary houses below 40 square meters,1.5% for ordinary houses above 40 square meters, 3% for non-ordinary houses. Usually the deed tax is paid together with the down payment, and the developer collects it. After paying the relevant fees, the developer will issue a formal purchase invoice. 2. Stamp duty: 0.05% is paid directly when the contract is concluded, and 0.05% of the general total house price is paid together with the down payment, so that the developer can handle the contract registration and real estate license uniformly. 3. Bank mortgage fees If you apply for a mortgage loan, the second group of fees to be paid when signing a 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 of warrants: 5 yuan/household c, insurance premium: property insurance premium = total house price × annual rate × service life coefficient. Enjoy high-level sex at one time. (The insurance premium is roughly: 1~5 years 0.07%, 6~ 10 years 0.06%,1~/0/5 years 0.055%, 16~20 years 0.05%. Second, the expenses to be paid after buying a house The expenses to be paid when handing over the house mainly include the house maintenance fund, the decoration deposit and the property fee. 1, 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). At present, the charging method implemented in Chongqing is: excluding elevators; total house price ×2% including elevators; total house price ×3%; some pilot buildings are charged at 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. Generally speaking, when the buyers get the keys to check in, the developers will collect the housing maintenance funds. 2. Property management fee: calculated from the date of repossession to the date when the purchaser is qualified. If the developer issues a notice of occupancy and the purchaser fails to recover the building without justifiable reasons, the property management fee can be calculated from one month after the notice of occupancy is issued. Usually three months in advance. Property management fees shall be paid for houses that the property owner has not lived in for a long time or vacant houses that the developer has not sold. 3. Ownership registration fee: 80 yuan/suite ownership registration fee is the fee for handling the real estate license. Third, what should I pay attention to when buying a house? 1. Precautions for buying a house (preparation stage) (1) Determine the goal of buying a house: according to your actual income and expenditure, determine the property that suits you. (2) Learn the common sense of buying a house: buying a house is a relatively professional behavior because it involves a huge amount. Therefore, it is necessary to learn common sense of buying a house. (3) Accumulate the down payment for buying a house (4) Screen the scope of buying a house: choose the real estate that suits you-buy a house according to your ability. The advantages of newly opened small huxing are more reasonable huxing, higher living comfort and relatively higher return on investment in the future. (5) Save the travel time cost: before buying a house, you should also consider the travel time cost. (6) Understanding of the cost of buying a house: After determining the goal and scope of buying a house, some basic costs of buying a house must be calculated in advance. Although these costs seem small on the surface, some of them are fixed values, but combined with the total house price in the future, their costs are still not small expenses. 2. Matters needing attention in buying a house (purchase stage) (1) Understand the background and qualification of the developer. It is very important to choose a powerful developer. Regular developers are guaranteed in terms of housing quality, contract signing and property rights management. (2) Surrounding environment and supporting facilities. The direction of municipal development directly affects the appreciation of real estate. (3) Community internal planning. For example, whether the location of heating conversion station, garbage disposal room, garage entrance and exit, power distribution room, etc. has an impact on the selected house, as well as the influence of building deployment, reconstruction possibility, building spacing and lighting. (4) Investment owners should analyze the proportion of the number of rooms in and around the community, and owner-occupiers should look at individual needs. (5) Other formal pre-sale contracts for commercial housing, such as area error, clear height of storeys, and time for handling property rights, have been clearly stipulated. Check whether the interior wall, floor, roof, doors, windows, waterproof treatment, exterior wall, corridor, housing area and pool area are consistent with the contract. Area expansion and contraction shall not exceed 3%. If it exceeds 3%, the purchaser shall pay it to the developer at the unit price when purchasing the house; Within 3%, developers pay buyers twice the purchase price; Regardless of the increase or decrease of the area error, the buyer can request to return the house, and within 3%, it will be refunded according to the current interest of the bank for the same period.