At present, the house price is relatively high. If you want to buy a house, it is still impossible to do it on your own. Therefore, many people need help from home to buy a house, and many families still belong to it runs in the family. When making the house purchase budget and choosing a house, they are also discussed by the family. However, even with family members as reference, many people still have some inadequacies in the cost of buying a house. So how much does it cost to buy a house? Don't forget these expenses!

how much does it cost to buy a house?

Usually, when calculating the cost of buying a house, people only consider the down payment of the loan to buy a house. Although this expense is the most important expense for buying a house, it is not enough to prepare the down payment. Buyers also need to consider other expenses that need to be paid in the process of buying a house. The calculation of down payment varies from person to person, because everyone's purchase situation is different, and other expenses of buying a house include deed tax, house maintenance fund, property management fee and so on.

what does it cost to buy a house?

1. House payment

If you want to buy a house, the first thing you need to prepare is the house payment. If you buy a house in full, you need to pay the transaction amount of the house to the seller in one lump sum. However, most buyers now buy houses by loans, and the down payment should be calculated according to the situation. If you buy the first suite, you can generally pay a minimum of 2% down payment, and most cities need to pay a down payment of 3%. The cities with restricted purchases will be higher, and the down payment for the second suite will be higher.

2. Expenses for raising a house

After buying a house, you still need to raise a house, but the new houses you buy now are basically auction houses. It will take a long time from the purchase of auction houses to the delivery of houses. After the procedures for buying houses with loans are completed, buyers need to start raising houses. When you haven't taken over the house, the main reason for raising the house is to consider the repayment. This is a long-term expense, which requires buyers to make preparations in advance. How much money you have in hand determines how much money you want to borrow, which directly affects your future monthly payment.

3. Taxes and fees

There are two main taxes and fees for buying a house, one is the deed tax for buying a house, and the other is the house maintenance fund. The payment of taxes and fees accounts for a considerable proportion when buying a house, and the deed tax rate is determined by the local city. Maintenance fund refers to the fund established after the sale of commercial housing and public housing for the overhaul, renewal and transformation of residential parts and facilities after the warranty period expires, and this fee must also be paid.

4. Property management fee

In fact, the property management fee can also be counted as a fee for raising a house in the later period. However, the property management fee is calculated from the time when the house is taken over, which is about several hundred yuan or even thousands of yuan per month. The charging standards vary from region to region, but when the house is taken over, the general property company will let it pay the fee for half a year or one year at a time, and buyers must understand this.

There are many expenses involved in buying a house, and there are many links in capital transaction, so everyone will say that buying a house is very risky. If you accidentally fall into the trap of buying a house by others, you will lose a relatively large amount. The above is the introduction of how much it costs to buy a house and what expenses it costs to buy a house. I hope to help you.