1. Deed tax: If the first house is less than 90 square meters, a 1% deed tax is levied; if the first house is more than 90 square meters, a 1.5% deed tax is levied.

If the second house is less than 90 square meters, a deed tax of 1% will be levied; if the second house is more than 90 square meters, a 2% deed tax will be levied.

(Deed tax policy for second homes, except Beijing, Shanghai, Guangzhou and Shenzhen) 2. House maintenance fund: Different types of houses in various cities have different collection standards for house maintenance funds.

Some are levied at a rate of tens of yuan per square meter, such as 40 yuan/_; others are levied at a certain proportion based on the purchase price, such as 2% of the purchase price; and some are levied at a rate of X yuan per square meter per month.

Standard collection, such as 0.25 yuan/_·month.

3. Warrant stamp tax: 5 yuan/item for ordinary residences.

4. Warrant registration fee: 80 yuan/item for ordinary residences.

5. Property fees and heating fees: When the house is handed over, the general property management company will charge one year's property management fees.

In addition, heating fees are charged for heated communities.

Different heating methods in the community lead to different heating costs.

6. Decoration costs: If the new house you buy is a rough house, you need to decorate it yourself and configure furniture and appliances. This part of the cost can be quite a lot.

7. Monthly payment: If you buy a house with a loan, you have to repay the mortgage every month.

The monthly supply should be controlled at about 30% of the monthly income. If the monthly supply exceeds half of the family income, it will lead to a decline in living standards and an increase in pressure.

In addition, considering factors such as rising loan interest rates and reduced personal income, it is best for individuals to set aside some money when purchasing a house with a loan.

8. Parking space fee: If you have a car at home, you also need to consider the cost of buying or renting a parking space.

9. Other expenses: water, electricity, gas, broadband, cable TV. Although these expenses are not large, they are unbreakable expenses over the years.

Among the living costs, transportation costs are often overlooked. The farther away from the city, the higher the transportation costs for commuting and travel, although the housing prices are lower.

When should I pay the down payment for a new house? 1. In life, if you can buy a house with full payment, you will naturally buy a house with full payment, but in fact many people will choose to buy a house with a loan.

In fact, relatively speaking, it is relatively easy to buy a new house. The down payment is 20% or 30% of the transaction price or higher.

2. First-hand mortgage is relatively simple.

Provide your personal information and real estate information, and the developer will use it as a guarantee to apply for a mortgage loan from the bank.

3. First of all, you need to check whether the five certificates of the project are complete, especially the commercial housing pre-sale license.

If so, the developer can collect a down payment and start pre-sales.

If not, you usually need to sign a pre-purchase letter of intent first, which is what you call a deposit.

Of course, you need to sign a simple agreement when paying the deposit.

Some time after you pay the deposit, the developer will notify you to pay the down payment and sign the house purchase contract.