2. Decoration cost: Now most new houses are rough houses, and the decoration cost must be considered. In addition, you need to buy some living facilities, such as furniture and household appliances. Even if you choose to buy a fully decorated house, you need to buy movable furniture and household appliances yourself.
3. Public maintenance fund: The public maintenance fund is used for the maintenance and replacement of some residential facilities and equipment, which needs to be paid by both the owner and the developer.
4. House purchase tax: No matter whether buyers choose to buy a new house or a second-hand house, they need to pay taxes when conducting house transactions, and the house purchase tax is not a small amount. In addition to taxes and fees, there are also housing registration fees, transaction fees and loan fees.
5. Property management fee: the charging standard of property management fee varies from region to region, and buyers need to know clearly before buying a house.
What is the cost of applying for a loan to buy a house?
1. You have to pay the appraisal fee to apply for a loan to buy a house. The appraisal fee here is the fee for the appraisal agency to evaluate the value of the house when applying for mortgage loan. Buying a second-hand house is generally evaluated by an intermediary or an evaluation agency designated by a bank, and the cost will be different, generally ranging from 0. 1% to 0.5% of the evaluation price.
2. Mortgage registration fee refers to the service fee paid by the lender when going through the mortgage registration formalities at the real estate registration department. Take Beijing as an example, apply for certificates of other rights such as residential mortgage (the place where real estate registration is implemented is real estate registration certificate) in 80 yuan, which means that a * * * has to pay 160 yuan.
3. home insurance and home insurance are actually protecting houses from fire, explosion and other accidents. The charging standard is: loan amount ×0.05%× loan period. Home insurance pays voluntarily, and banks generally don't force it.
How long does it usually take to approve a housing loan?
1. If you need to apply for a mortgage to buy a new house, and the property has been pre-sale certificate, as long as you apply to the bank, the bank will check your credit record with the People's Bank of China. If there is no problem, we will reply to your personal loan application within 3 days, and ask you to submit a copy of your license, income certificate, down payment documents and other related documents, and sign relevant bank documents and loan contracts.
2. After collecting all the information, the bank conducts internal examination and approval, and then goes to the housing management transaction to go through the mortgage registration formalities, which takes about 10 working days. After the transaction is issued with other warrants (real estate registration certificate is issued by the city where real estate registration is implemented), the bank will lend money within 3 working days.
3. If you apply for a commercial loan to buy a house, it usually takes about two weeks from the time the lender submits the information to the time of lending. If it is a provident fund loan, the processing progress will be slower, and it may take 1-2 months or even longer, because it involves many institutions such as provident fund and banks.