For many people, buying a house is a compulsory course, but when buying a house, many novices think that it is OK if they have prepared the down payment. In fact, after paying the down payment, you will also face some other miscellaneous payments.

Need to pay.

So what are the payments?

How much does it usually cost?

Let’s take a look today.

1. Deed tax Deed tax is the largest payment when buying a house, besides the down payment.

Deed tax is a property tax levied on real estate whose ownership has been transferred and changed, and is levied on the property rights inheritors.

According to the current standards, 90┫ is used as the limit and the first and second homes are divided into the following situations: If an ordinary house is purchased for less than 90┫, and the house is the only home of the family, the deed tax is levied at a rate of 1%.

When purchasing two ordinary houses for families with a household income of less than 90 yuan, a deed tax of 1% will be levied.

The deed tax is 1.5% for the purchase of ordinary residences over 90 square meters (inclusive) and 1.5% for purchases over 144 square meters (inclusive). The deed tax for non-residential houses is still 3%.

The deed tax is levied at a rate of 2% for the purchase of two ordinary residences with a value of over 90 yuan (inclusive). In particular, the deed tax for second homes in the four major cities of Beijing, Shanghai, Guangzhou and Shenzhen is charged at a rate of 3%.

In addition, deed tax is levied at 1% for affordable housing and 3% for non-residential housing.

According to regulations, deed tax must be paid when applying for a real estate certificate.

However, in practice, many developers force home buyers to pay deed tax in advance when handing over the property.

After the house is handed over, if the buyer finds that there is a discrepancy between the actual area and the area stipulated in the contract, the excess deed tax will be refunded and the shortfall will be compensated.

As for the payment, the buyer must pay it himself, and the developer is not allowed to collect it on his behalf.

From the perspective of deed tax, the state encourages everyone to buy a house to live in, and also encourages everyone to buy a house for the first time.

2. Transaction fee = 3 yuan/square meter × building area (based on the actual surveying and mapping area). As for the actual surveying and mapping area, it is measured by a specialized surveying and mapping unit with relevant surveying and mapping qualifications. There will be a surveying and mapping report when the house is collected.

Once it's in your hands, if you're anxious to report it, you can also ask the relevant professional unit to measure it yourself (you can, but I don't think it's necessary).

Knowledge extension - What should we do when the actual surveyed area does not match the house area agreed in the contract?

Here, the area error is 3% as the critical point.

When a home buyer takes possession of a house, if they find that the area error of the house is within 3%, whether it is more or less, it is a reasonable error range stipulated by the law, and the principle of more compensation and less refund should be followed.

If the actual area is larger than the contracted area, but less than 3%, the buyer will reimburse the developer according to the contracted house price; if the actual area is smaller than the contract, but also less than 3%, the developer will refund the excess housing payment to the buyer.

That’s it.

When the house area error exceeds 3%, whether it is too much or too little, the home buyer has two choices - ask the developer to check out + continue to live in the house without checking out and negotiate with the developer for error compensation.

If the home buyer wants to check out, the developer shall return the price paid by the home buyer to the home buyer within 30 days from the date the home buyer proposes to check out, and at the same time pay the interest on the paid price.

If the home buyer does not require the developer to check out, the house payment needs to be re-settled based on the actual area: the excess area within 3% of the house purchase will be made up by the home buyer; the excess area of ????3% will be borne by the real estate development company.

, the property rights belong to the home buyer.

When the house is closed, the real estate development company will return the house price within 3% (inclusive) of the area that is less than 3% to the home buyer; the real estate development company will return double the price of the house price that exceeds 3% to the home buyer.

3. Corporate Maintenance Fund When we buy a house, we will also pay a corporate maintenance fund, and this is mainly used for large-scale maintenance such as roof waterproofing, elevator overhaul, and exterior walls.

The charging standard of this fee depends on the standards of the community where you are located. It is usually between 2% and 3% of the house price. This fee is collected by the developer, and then handed over to the housing authority and finally to the business committee.

Public maintenance fees are not considered property management fees.

4. Property management fees are calculated from the date of house receipt, and from the date when the house buyer passes the inspection and acceptance of the house.

If the property purchaser fails to take possession of the property without justifiable reasons after the developer issues a notice of occupancy, the property management fee can be calculated starting one month after the notice of occupancy is issued, and is generally paid for three months first.

Even if the property owner has not lived in the house for a long time or the developer has not sold the vacant house, he still needs to pay property management fees.

The level of property management fee income of a property management company is directly related to its charging standards and business volume.

Generally speaking, the higher the property management fee charging standard, the higher the property management company’s income.

However, on the one hand, the charging standards for property management fees must be restricted by relevant national policies and regulations, and arbitrary charges cannot be allowed; on the other hand, the charging standards for property management fees must also be restricted by the user's income level, and must also abide by the principle of high quality and low price.