In addition to the house payment, the following fees are generally required to be paid for buying a new house:

1. Deed tax: 3%, 1.5% or 1% of the total house payment is paid for residential houses, and the specific proportion of each house payment needs to be determined according to the relevant national policies, the purchase time, unit price, purchase area, whether to purchase for the first time and other factors; Non-residential houses shall be paid at 3% of the total house price.

2. Special maintenance fund: the buyer shall pay the maintenance fund to the selling unit (developer) according to the proportion of 2-3% of the purchase price.

3. Stamp duty on the contract: .5% of the total house price (the house is free).

4. Stamp duty on licenses: paid according to 5 yuan/household.

5. Property registration fee: residential houses shall be paid according to 8 yuan/household; Non-residential houses are paid by 55 yuan/household; * * * The certificate fee is paid by 1 yuan/person.

6. transaction fee: non-residential houses shall be paid according to the calculation result of house price ×.35%.

7. certificate fee for land certificate: pay according to relevant regulations.

How to make a detailed purchase budget before buying a house

1. Accurately estimate personal assets and household disposable income

Buying a house should be comprehensively considered according to needs and ability to pay, first consider affordable buildings, then consider favorite buildings, and calculate the average monthly income of families, including interest income and various monetary subsidies. Before buying a house, please mainly keep two parts of funds, one is the daily expenses of the family, and the other is the reserve funds for medical insurance and accident prevention. Through careful verification, carefully calculate the net assets of individuals or families, which is the free money that can be disposed at any time. Careful calculation can ensure that buyers can accurately grasp their own strength and purchase direction.

2. Choose a suitable house price and housing area

After carefully evaluating personal assets, we should start to choose a house with good quality and low price. At present, there are many commercial houses to choose from in the market, and the house prices are usually very different. Many factors make consumers feel that they can't start and it is difficult to distinguish. In fact, the formulation of housing prices has certain rules, which are restricted by the market and cost. This mainly depends on the land cost, development and construction cost, profits, taxes, sales and other related expenses of commercial housing. However, the final cause of house price will return to the degree of market recognition, so consumers can make full reference to the cost of house price and market components according to their actual purchasing power and finally decide the appropriate house price level. After choosing a house suitable for their own consumption level, buyers should focus on factors such as room area and apartment type.

3. Calculate all taxes and fees when buying a house

The payment of taxes and fees accounts for a considerable proportion when buying a real estate, among which the more important taxes are deed tax and real estate transaction fee. Taxes and fees occupy a very important position in the process of buying and selling real estate, so it is necessary for buyers to know the types of taxes and fees and the ways to pay them. It is suggested that property buyers should calculate the relevant tax expenses at the same time when calculating personal housing loans.

4. Carefully consider property management fees

Property management fees refer to the fees charged by property management companies to owners or users for providing management and services. The management service fee of a property management company is directly related to the management service object, content and business volume, and is usually charged per square meter according to the construction area of the house according to different grades. Once the commercial housing is sold, the purchaser will begin to bear all the housing expenses, such as housing repair, water, electricity, heating, elevators, security fees, etc. If these expenses are not considered or insufficiently considered, it may cause mistakes when buying a house. Different from other expenses, the property management fee that needs to be paid after the purchase of commercial housing is always with the house for life, so it is necessary for the purchaser to know clearly the charging standards of property management of different buildings before buying, so as to be aware of it.

5. Budget decoration and maintenance expenses

Decoration expenses should be considered together with the down payment, calculated carefully, and appropriate housing maintenance expenses should be considered in advance. Necessary living facilities also need some initial installation fees, such as opening pipeline gas, cable TV, broadband network and so on. In addition, the purchase of appropriate furniture, electrical appliances, decoration is also a new home budget must be considered.

6. Find out what funds you can use

Find out how much funds you can use, and whether it is enough to pay the house payment and daily life needs. The down payment of mortgage purchase usually accounts for 2% to 3% of the house price, which is the fee that must be paid when buying a house.

7. The price of commercial housing

is mainly composed of three parts: land cost, development and construction cost and developer's profit, taxes, sales and other expenses. At present, the price composition accounts for most of the proportion in the first two. In addition, the developer's development and construction costs and the type of structure selected also lead to cost differences. Before buying a house, it is necessary for buyers to know the distribution of different housing prices in the whole city.

8. Pay the initial installation fee for some necessary facilities

These are the expenses that need to be paid at the time of occupation, such as opening pipeline gas and cable TV.

9. You need to decorate before you can move in

Most of the current houses are rough houses, and you need to decorate before you can move in. Decoration expenses should be considered together with the down payment and calculated carefully. In addition, there are the cost of purchasing household goods, consulting service fees, attorney fees, etc., which should also be taken into account.