1. deed tax is required to buy a house. If the house is an ordinary house of 9 square meters or less, and the house belongs to a family with few houses, the deed tax will be levied at a reduced rate of 1%. For ordinary houses of 9 to 144 square meters, 1.5%, 3% for those over 144 square meters, and 3% for non-residential 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 proof of payment for the purchase.

2. Stamp duty, which is paid directly when the contract is concluded, accounts for .5% of the total house price, and is generally paid together with the down payment, so that the developer can uniformly handle the contract registration and real estate license.

3. Generally speaking, in overhaul fund, when the buyers get the keys and go through the check-in formalities, the developers will collect the house maintenance fund. overhaul fund is 2% to 3% of the house purchase price, which is the maintenance fund for public facilities and equipment (involving some houses such as exterior walls, roofs, sewers and water pipes).

which is more cost-effective: buying a house in full or buying a house with a loan

1. Price

Although buying a house in full will cost you a lot of money at once, even your life savings, compared with buying a house with a loan, it can save bank interest and other expenses, and many developers will give certain discounts to commercial houses with one-time payment.

for example, if you want to buy a house with a total price of 5 million yuan, you can save 15, yuan if you give a one-time discount of 3%. Overall, it costs less than buying a house with a loan, which is relatively more cost-effective.

2. Pressure

Buying a house in full requires buyers to pay all the money at once, which is not something that ordinary families can do. Most families have to bear great pressure and work very hard in the early stage in order to collect the money. However, in the future life, you don't have to bear the pressure of loan, and you don't need to calculate every living expense every day, for fear that you can't repay the loan at the end of the month, and you can arrange all the plans in the future calmly.

Buying a house with a loan means borrowing money from the bank. You only need to prepare a small part of the house purchase price as the down payment, and the bank will help you pay the rest, so the pressure in the early stage is less. But it is not easy for anyone to bear the debt in the future. You may need to calculate your living expenses every day to ensure that every expense is not overspent, and you can't buy what you want at will.

3. In terms of changing hands

Buying a house with a loan is based on the property itself, and the general loan time is about 2 years, which is not conducive to buyers selling their houses. It is more convenient to resell the house bought in full, and it is not bound by bank loans. Once the house price rises, it will be quick to change hands and easy to sell. Even if you don't want to sell, when you need a large amount of liquidity, you can mortgage your house to the bank and get a loan with low interest rate and high amount.

4. Risk

The risk of buying a house with a loan is relatively small, because a mortgage loan is to borrow money from a bank to buy a house. In addition to the buyers' concern about the advantages and disadvantages of the house, the bank will also review it. As a result, the insurance of buying a house will be improved. As far as most of the properties for auction are concerned, buyers who choose one-time payment will increase the risk of buying a house.

There is no bank participation in buying a house in full, and real estate assessment relies entirely on the buyers themselves. If buyers don't know much about this, it is easy to buy a house that is easy to depreciate. In addition, if one-time payment is selected, each building will require the buyers to pay all the house payment in the pre-sale stage and sign the Commercial House Sales Contract. However, in the transaction process, many pre-sale properties have the problem of incomplete five certificates. Although the sales staff promised to complete the formalities within a certain period of time, it is too risky for the buyers.