First, what fees do I need to pay for buying a house?
1, purchase price
Whether you choose to buy a house with a loan or a full house, buyers need to know the house price clearly and then prepare the house price. This is the most important thing. You can calculate the house price according to the area and unit price, and then choose the appropriate area and unit price according to your own economic situation, and you can roughly calculate the house price. When choosing a house, buyers hope to choose a house suitable for their own consumption level, so as to prepare corresponding ones according to the price. If you choose a loan to buy a house, you need to prepare at least 30% down payment and calculate the monthly payment.
2. Decoration expenses
Although many large developers are now moving closer to decorating houses, most of the new houses on the market are blank houses. After buying a rough house, property buyers need to consider the decoration problem, so they need to prepare the decoration expenses, which is also a necessary and not small expense. Due to the different grades and styles of decoration, the needs are different.
3. Housing purchase tax
In the process of buying a house, buyers need to pay the deed tax required for buying a house, which is based on the change of housing property rights. House deed tax needs to be levied according to the area of the house, and there are two main thresholds, namely 90 square meters and 140 square meters. Whether buying a new house or a second-hand house, you need to pay deed tax. If buyers buy a second suite, the more deed tax they need to pay.
4. Housing maintenance fund
If property buyers choose to buy a new house, they need to pay the house maintenance fund when buying a house. The house maintenance fund is paid after the house has passed the warranty period. If the public part of the house needs to be repaired or replaced, it shall be borne by the house maintenance fund. If the buyer buys a second-hand house, there is no need to pay this extra fee, that is, the house needs to pay the house maintenance fund at the first transaction.
5. Intermediary service fee
For buyers who choose to buy second-hand houses, most people choose to conduct housing transactions through intermediary companies. When looking for an intermediary company to trade, the buyer needs to pay the fee of intermediary service. There are many intermediary service fees, but the charging standards of different intermediary companies are different. When choosing an intermediary company, the buyer can consult the agency fee and choose a cheaper intermediary company for trading.
Two, the maintenance fund is paid before or after the delivery of the house.
Generally, the maintenance fund is paid before the house is delivered. The maintenance fund of general new houses is collected by the developers, who hand it over to the special maintenance fund management department. If you don't pay the maintenance fund, it will affect the delivery of the house and the handling of the real estate license. Usually, the maintenance fund is paid according to the proportion of 2-3% of the purchase price of the purchased house. It is more convenient to prepare these expenses as soon as possible.
All of the above are about what fees need to be paid for buying a house, and whether the maintenance fund is paid before or after the house is handed over. I hope I can help you understand the knowledge about the cost of buying a house. Please continue to pay attention to more decoration knowledge, decoration company evaluation and decoration cases.