Legal analysis: to buy a house without paying special maintenance funds, you must first check the balance of its maintenance fund account with the housing management department. When inquiring, you must bring the property owner's ID card or real estate license. Some houses have already paid special maintenance funds when handling the real estate license. In this case:

(1) If the balance of the account is less than 30%, the transfer can only be made after paying this fee according to the current standard;

(2) If the balance of the special housing maintenance fund account exceeds 30% of the down payment standard, the maintenance fund shall be transferred at the same time when the property right is transferred.

Legal basis: People's Republic of China (PRC) City Real Estate Management Law.

Article 36 When transferring or mortgaging real estate, the parties concerned shall register the ownership in accordance with the provisions of Chapter V of this Law.

Article 62 When a real estate is mortgaged, it shall be registered with the department designated by the local people's government at or above the county level. Where the land use right and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be handled in accordance with the provisions of this chapter.