Buying a house is not easy, and the down payment threshold has blocked many home buyers from the door.

Many people think that if they save enough down payment, they can buy a house.

This is indeed true. In terms of the cost of buying a house, in addition to the down payment, there are various expenses such as deed tax, house maintenance funds, decoration expenses, monthly payments, property fees, etc. When actually living in, there are also various miscellaneous expenses.

The following is a detailed list of various house-related expenses for your reference.

1. The down payment is calculated based on 20% of the down payment for the first home. For a house with a total price of 1 million, a down payment of 200,000 is required.

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

If the second house is less than 90 square meters, a 1% deed tax 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) Assuming the total price of the house is 1 million, the area is 89 square meters, and it is the first home, the deed tax is 10,000.

3. House Repair Fund Different types of houses in different cities have different collection standards for house repair funds.

Some are levied at a rate of tens of yuan per square meter, such as 40 yuan/m2; others are levied at a certain percentage based on the purchase price, such as 2% of the purchase price; and some are levied at X yuan per square meter per month.

Standard levy, such as 0.25 yuan/㎡·month.

Before buying a house, you need to find out the levy standards for housing repair funds in your city.

4. The stamp tax for warrants is 5 yuan/item for ordinary residences.

5. The registration fee for warrants is 80 yuan/item for ordinary residences.

6. When the property fee and heating fee are paid, the general property management company will charge one year's property management fee.

In addition, heating fees are charged for heated communities.

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

In addition, when actually living, property fees and heating fees are also necessary expenses.

As the quality of real estate becomes higher and higher, property costs are also rising.

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

8. If you buy a house with a monthly 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.

9. Parking space fee If you have a car at home, you should also consider the cost of buying or renting a parking space.

10. Other expenses such as water, electricity, gas, broadband, and 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.

Buying a house is to improve the quality of living. If the living cost estimate is insufficient, then you need to reconsider whether to buy a house.