1. Taking the family as a unit, if you are buying a first home, the down payment ratio cannot be less than 30%. For example, if you want to buy a house worth 1 million yuan, then the down payment you need to ask for is 1 million * 30% = 300,000 yuan;

2. The down payment for buying a second home is relatively large, and the down payment ratio for a second home loan should not be less than 50%. Therefore, to buy a house worth 1 million yuan, the down payment must be at least 500,000 yuan.

How much down payment is required to hand over a house 1. Based on the family unit, if you are buying a first home, the down payment ratio cannot be less than 30%. For example: if you want to buy a house worth 1 million yuan, then the down payment you need to make is 1 million * 30

% = 300,000 yuan; 2. The down payment for purchasing a second home is relatively large, and the down payment ratio for a second home loan should not be less than 50%. Therefore, to purchase a house worth 1 million yuan, the down payment must be at least 500,000 yuan.

What fees need to be paid when handing over a house? 1. Deed tax.

The deed tax needs to be paid by the property owner. The deed tax is levied according to the area of ??the house. Generally speaking, it is levied at 1% for houses less than 90 square meters and 1.5% for houses above 140 square meters.

2. Public maintenance fund.

The public maintenance fund is different from the property fee. It is only used for the overhaul or renovation of the residential parts and public facilities after the warranty period expires.

The tax rate is 2% of the transaction price of the house, and the maintenance fund needs to be handed over to the community. Developers and property companies have no right to collect it or collect it on their behalf.

3. Transaction fees.

There is also a fee that needs to be paid when the house is transferred. Usually, the standard for ordinary residences is 3 yuan/square meter, and the standard for non-ordinary residences is 11 yuan/square meter.

4. Property management fees.

Property management fees are also fees that must be paid when handing over a house. Different properties have different property fee charging standards.

If it is an ordinary residence, the property fee is 5 yuan/square meter. Some high-end residences and commercial residences are higher than 5 yuan/square meter.

If calculated based on 3 yuan/square meter/month, a house of 100 square meters will need to pay 3,600 yuan per year.

5. Collection of decoration waste removal freight.

The property fee paid by the owner only includes domestic garbage, and the owner will generate some construction waste during the decoration process, so the property management company will charge the owner the corresponding garbage removal freight.

However, different communities charge different garbage removal fees. Some are charged on a household basis, and some are charged based on the actual area multiplied by the corresponding base.

Editor’s summary: This is a brief introduction to how much down payment is required to hand over a house. I believe everyone understands it!

The amount of down payment required depends on the specific price and type of house.