The process is as follows: First, you and your spouse will be asked to provide proof of income, copies of marriage certificate, ID card and other relevant certificates (subject to the requirements of the agency).

Secondly, when signing the contract, you will be asked to pay an agency fee. The main part is the information fee, 2.5% (can be negotiated), and other agency fees, handling fees, etc. The total sum is based on 720,000, which should be less than 30,000 (provident fund).

They will charge an extra appraisal fee, 1500, and the business agent is 600), but it should be noted that these are not all the expenses you need to bear in addition to the house price, and the intermediary generally will not explain it (it is easy to create the illusion that it is affordable, if funds are tight)

will cause some trouble), and the fees that will be incurred later will include the taxes and fees incurred during the transfer (this part not only includes your deed tax as mentioned by the agent, but also includes the seller’s taxes and fees that need to be noted according to the terms of the contract, both personal tax and tax respectively.

It is 1%, which means the total is 2%. Houses sold within two years based on the cost of the house will also need business tax), and some small amounts of tens of dollars (printing fee = 80). When you get a provident fund center loan, you need

When signing a loan contract, a guarantee fee of 0.3% of the house price will be incurred.

Thirdly, the provident fund interest rate refers to whether the loan is provident fund-based and has nothing to do with the down payment.

In addition, when buying a house, you need to be concerned about not only the cost, but also some rough things. As an intermediary, Lianjia will not avoid trying to exempt itself from liability in the contract, including disapproving of payment through bank entrustment (the reason is that the trouble is unnecessary and it deceives someone.

A lot of people), advocating self-payment, that is, giving the money to the seller yourself (obviously, entrusted payment will automatically transfer the funds to the seller's account after the transfer, which was previously frozen to ensure the safety of the transaction between both parties; transfer the money yourself, and give the money to the seller first)

, to put it bluntly, if the money is gone, will an intermediary who is not even willing to handle the entrusted bank payment normally according to the regulations of the Construction Committee really be responsible? ) Pay attention to the transaction process, that is, remind frequently, and try to indicate the final details of each procedure in the contract?

A wide period of time, do not be superstitious about the long time limit of provident fund (although it is indeed longer than that of Shang Dynasty), and avoid artificially extending the transaction time.

A word of advice, the cost of Lianjia is high, but there are no less benefit clauses that the buyer needs to pay attention to.