If the buyer chooses to purchase a house by loan, he can pay the down payment to the real estate developer after signing the commercial housing sales contract (including the pre-sale contract of commercial housing), and the developer will issue a receipt for the down payment after receiving the money. Property buyers apply for housing mortgage loans from banks with purchase contracts, down payment receipts and other materials. Simply put: sign the contract first, and then pay the down payment.

2. House handover

Before handing over the house, the general developer will submit a notice of occupancy to the buyers, and some related expenses will be listed in this notice, such as property management fee, decoration management fee, heating fee, public area electricity fee, garbage disposal fee, etc. Of course, the charging standards are also different, depending on the region, management standards and facilities.

3. Handle the property right certificate

After all formalities are completed, property registration fees will be charged, including public construction and maintenance funds, property agency fees and property registration fees.

The money involved in buying a house is 1, down payment.

Deposit refers to a kind of fee paid by the buyer and the seller after determining the trading intention. Generally, if the amount of deposit required by the counterparty is relatively large, then the buyer needs to sign relevant contracts with the counterparty. However, buyers also need to pay attention to the fact that the deposit is non-refundable.

2. Advance payment

Buyers who borrow money to buy a house need to prepare a down payment in advance. Before buying a house, buyers must first understand the down payment ratio, the total house price, calculate the down payment and prepare some funds in advance.

3. Public Maintenance Fund

The public maintenance fund, namely the housing maintenance fund, is mainly used for housing maintenance after the warranty period expires. Take Beijing as an example: the specific charging standard is 100 yuan per square meter for multi-storey houses and 200 yuan per square meter for high-rise buildings. The previous charging standard was 2% of the total house price.

4. Decoration deposit

Decoration deposit means that after the house is closed, buyers need to go to the property for decoration and filing before they can prepare for decoration. At this time, they need to pay a decoration deposit. If the decoration workers destroy the property facilities and equipment, causing property losses to others, the property will be deducted from this fee. If there is no illegal operation, the deposit will be refunded.

5, taxes and fees

Whether buying a new house or a second-hand house, taxes and fees account for a large proportion in the expenditure when buying a house, which must be taken into account in the purchase budget. The taxes and fees to be paid for the purchase of new houses include deed tax, stamp duty, house maintenance fund, transaction fee, property registration fee, etc. The taxes and fees to be paid for second-hand housing transactions include deed tax, tax, personal income tax, land transfer fee, stamp duty, production cost and so on.