Buying a new house is one of the most important decisions in many people's lives. When you are ready to close the house, you may worry about whether you need to pay extra. This article will introduce in detail the fees to be paid for the house repossession in Hangzhou, and answer whether these fees need to be paid.

I. Down payment

First of all, one of the expenses that must be paid for buying a new house is the down payment. According to government policies and developers' requirements, buyers need to pay a certain percentage of the total house price as a down payment. Generally speaking, the down payment ratio is between 30% and 50%, depending on the purchase contract and the developer's regulations. Therefore, before taking over the house, you need to make sure that you have prepared enough funds to pay the down payment.

Second, stamp duty and deed tax.

In addition to the down payment, buyers also need to pay some taxes, including stamp duty and deed tax. In Hangzhou, you need to pay 1.5% deed tax and 0.3% stamp duty when buying a house, which are two expenses that buyers must pay when they accept the house. These expenses are calculated according to the total house price agreed in the house purchase contract.

Three. other charges

In addition to the fees mentioned above, property buyers may have to pay other fees. These expenses may include assessment fees, agency fees, loan fees, etc. The specific expenses and the amount to be paid depend on the personal situation and the terms of the contract.

Do you have to pay these fees?

For property buyers, paying these fees is an essential link in the process of buying a house, but it does not mean that all fees must be paid. According to the laws and regulations of Hangzhou and the specific terms of the house purchase contract, some fees can be negotiated or exempted.

For example, buyers choose to apply for loans on their own, and there is no need to pay intermediary fees when collecting houses; If the buyer and the developer negotiate successfully, it is also possible to reduce some evaluation fees.

Therefore, before buying a house, it is recommended that buyers carefully read the purchase contract and fully communicate with the developers to understand which fees can be negotiated or reduced, so as to make an informed decision when closing the house.

Generally speaking, the expenses to be paid for the house in Hangzhou include down payment, deed tax, stamp duty and other possible expenses. Although these fees must be paid in most cases, buyers can negotiate or reduce some fees to some extent. Property buyers should understand the relevant policies and contract terms before buying a house, and fully communicate with developers to ensure that they can make an informed decision.