1. Deed tax

When buying a house, you need to pay the deed tax first. If you choose a new house when buying a house, then the deed tax can generally be paid by the developer. For ordinary houses with an area of 9 square meters or less, and the house belongs to a family with few houses, the deed tax shall be levied at a reduced rate of 1%, with 1.5% for ordinary houses with an area of 9~144 square meters, 3% for houses with an area exceeding 144 square meters and 3% for non-houses. Usually the deed tax is paid together with the down payment, and the developer collects it. After paying the relevant fees, the developer will issue a formal proof of payment for the purchase.

2. Stamp duty

Stamp duty is also a kind of tax that buyers need to pay when buying a house. Stamp duty is paid directly when concluding a contract, and .5% of the total house price is generally paid together with the down payment, so that developers can uniformly handle contract registration and real estate license.

3. overhaul fund

Generally speaking, when the property buyers officially take over the house from the developer and go through the check-in formalities, then the developer will ask the property buyers to pay the house maintenance fund. overhaul fund is 2%-3% of the purchase price, which is the maintenance fund for public facilities and equipment (involving some houses such as exterior walls, roofs, sewers and water pipes). The charging method is: excluding elevator: total house price ×2% including elevator: total house price ×3% and some pilot buildings are charged at 5 ~ 6 yuan/m2.

4. Bank mortgage fees

When buying a house, if you choose a bank loan, you will also incur some fees. When you apply for a loan to buy a house, you need to sign a loan contract. 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. Mortgage registration fee: 8 yuan/household, stamp duty of warrants: 5 yuan/household, insurance premium: property insurance premium = total house price × annual rate × service life coefficient. The insurance premium is paid in one lump sum.

What should be paid attention to when buying a house

1. Buy an existing house or a quasi-existing house as much as possible, so as to avoid many risks, such as the height of the window sill, the low clear height, the unreasonable balcony design, the small house, the pipeline equipment layer, the unfinished house, the indoor harmful gas, the change of the house structure, cracks and other surface quality problems.

2. Don't ignore the pool area. When we buy a house, we must pay attention to whether it is reasonable. Generally, the pool area of multi-storey houses is less, and the pool area of high-rise houses is more because of the influence of elevators. Multi-storey is between 11% and 16%, and high-rise is generally between 18% and 26%.

3. Sign the contract in one step, strive to sign the contract directly in one step, do not pay the deposit, and do not sign the subscription book, otherwise, it will be easy to be passive and restricted. In the contract, the time limit for performance, liability for breach of contract and compensation for breach of contract should be clearly defined, so as to prevent the developer from delaying delivery due to funds or other reasons and avoid disputes during payment.

4. Write the commitment into the supplementary agreement, and write the commitment of the developer in the loushu or advertisement into the supplementary agreement. If the developer does not agree to write, a small tape recorder can be prepared in advance to record the verbal commitment of the developer.

5. Sign a property management agreement, and sign a property management agreement at the same time to prevent the property management fee from changing (price increase, etc.) when you check in.