The deed tax is reduced by 1% for ordinary housing of 90 square meters or less, and the housing is the only housing of the family, 1.5% for ordinary housing of 90 `144 square meters, 3% for housing of more than 144 square meters, and 3% for non-residential housing. Normally, the deed tax is paid together with the down payment and collected by the developer. The developer will issue a formal purchase agreement after the payment of the relevant fees.
Stamp duty
Paid directly at the time of conclusion of the contract, 0.05% of the total purchase price, generally paid together with the down payment, to facilitate the developer for the contract registration and real estate certificates.
Bank mortgage fees
If you have a mortgage loan, the second group of fees to be paid when signing the contract is the bank mortgage fees, commercial loan charges, there are slight differences between the banks.
①Mortgage registration fee: 80 yuan/household
②Warrant stamp duty: 5 yuan/household
③Insurance: property insurance premiums = the total amount of the house x the annual rate x the annual factor. The insurance premium is paid in one lump sum. (The insurance rate is 0.07% for 1 to 5 years, 0.06% for 6 to 10 years, 0.055% for 11 to 15 years, 0.05% for 16 to 20 years, and 0.045% for more than 20 years)?
Maintenance fund
2%-3% of the purchase price is the maintenance fund for public *** facilities, *** equipment (related to the house *** have a part such as external walls, roofs, sewers, water pipes, etc.). The implementation of the fee is:
① without elevator: the total amount of the house × 2%
② with elevator: the total amount of the house × 3%
③ part of the pilot project by 50 to 60 yuan / m2 charged
Developers or property companies to open a bank account designated by the local housing authority, the buyer can deposit their own. Generally speaking, the buyers in the keys, check-in procedures, the developer will collect housing maintenance funds.
Property Management Fee
From the date of acceptance, the date of acceptance of the house by the buyer to start calculating. If the developer issues a notice of occupancy, and the buyer does not take possession of the house without a valid reason, the property management fee can be calculated one month after the issuance of the notice of occupancy. Generally, the first three months are paid.
The property owner does not live for a long time in the house or the developer has not sold the vacant house, should pay property management fees.
Title registration fee
80 yuan per unit, the title registration fee is the cost of obtaining a real estate license.
Transaction fee
Residential floor area X3 yuan/m2; non-residential floor area X11 yuan/m2
The property management fee is the fee for obtaining a real estate license.