1. The deed tax is

9-square-meter ordinary housing, and the housing belongs to the only family housing. The deed tax is levied at the reduced rate of 1%, 1.5% for ordinary housing with 9-144 square meters, 3% for housing with more than 144 square meters and 3% for non-housing. Generally, the deed tax will be paid together with the down payment, and the developer will collect it. Pay the relevant fees, the developer will issue a formal purchase;

2. Stamp duty

It is paid directly when the contract is concluded, and .5% of the total house price is generally paid together with the down payment, which is convenient for the developer to uniformly handle the contract registration and real estate license;

3. Bank mortgage fees

If mortgage loans are handled, the second group of fees to be paid when signing a contract is bank mortgage fees, and the charging items of commercial loans are slightly different among banks;

(1. Mortgage registration fee: 8 yuan/household;

(2. Stamp duty on warrants: 5 yuan/household;

(3. Insurance premium: property insurance premium = total house price × annual rate × service life coefficient. The insurance premium is paid in one lump sum. (The insurance premium is roughly: .7% for 1-5 years, .6% for 6-1 years, .55% for 11-15 years, .5% for 16-2 years and .45% for more than 2 years)

4. overhaul fund

2%-3% of the house purchase price is. The implementation of the charging method is:

(1, excluding elevators: total house price ×2%;

(2, elevator included: total house price ×3%;

(3) Some pilot properties are charged at 5 ~ 6 yuan /m2.

what should I pay attention to when paying the down payment

1. Pay attention to the contents of the contract

When buying a house, buyers need to pay attention to the contents of the purchase contract, paying special attention to whether the rights and obligations filled in by both parties are equal. Some developers' contract texts have been filled in in advance and even the supplementary clauses have been filled in by themselves. Most of these filled-in contract texts have unequal rights and obligations. Once this happens, buyers must put forward their own opinions and never act rashly.

2. Pay attention to whether the payment method of house sales is standardized

In the house sales contract, the buyer and the seller should make an agreement on the amount, term, method and liability for breach of contract. Some developers do not sign the contract first, but let the buyers pay a certain amount of deposit first, and only give the buyers a receipt. Once a dispute occurs, it often makes it difficult for the buyers to prove their responsibility.