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What is the process of buying a new house? What fees should I pay when I hand over the house

Buying a house is an eternal hot topic. A house is a necessity in life. There is no sense of security without a house. However, it is not easy to buy a house. The price of a house is too high. You have to prepare a lot of money to buy a house. But some buyers think as long as the down payment is complete. So, what are the procedures and precautions for buying a new house? What fees should I pay when I hand over the room?

What are the procedures and precautions for buying a new house?

1. Before you are ready to buy a house, you should estimate your actual purchasing power according to your financial strength, repayment ability and other issues, and determine the location, area, price, floor and orientation of the house according to your work and life needs.

2. In fact, the important link of housing selection is the continuation of the preparatory work, which can be inquired from newspapers, real estate exhibitions, agencies in regular brands or relevant real estate websites.

3. It's a complicated and very important process to see the house on the spot. Under the leadership of a relatively professional agent, we conducted a field investigation on the houses we want to buy. To view some of the housing information, such as property rights, homeowner's ID card, after comparison set the house.

4. After the negotiation and signing of the sales contract to determine the target, we entered into the negotiation stage of substantive contact with the seller. Negotiation and signing of sales contract is an important link in the process of house purchase. The buyer and the seller must put their rights and obligations into the text, especially the key terms related to the area of the house, payment method, property status and so on.

5. At present, second-hand housing can handle commercial loans. According to their own financial resources and the purchase of housing conditions, the amount of loans, the number of years, etc. The intermediary company shall assist in handling the loan procedures in accordance with the relevant provisions of the bank.

6. For property transfer, the original seller's name should be replaced by the new buyer's name. Under the guidance of the intermediary company, we should prepare all relevant information, and then the warrant personnel should assist in handling the property right transfer procedures.

What fees should I pay when I hand over the room?

1. Deed tax

In general cities, the deed tax is levied at 4%. In some cities, the number of points is different, which should be subject to the local conditions. The contract for the first purchase of ordinary housing of 90 square meters or less shall be charged at 1%.

2. Housing maintenance fund

When selling the commercial housing, the buyer and the selling unit shall sign an agreement on the payment of the maintenance fund, and the buyer shall pay the maintenance fund to the selling unit in the proportion of 2-3% of the purchase price. The maintenance base metal collected by the selling unit on behalf of all owners shall be jointly owned, and shall not be included in the residential sales revenue.

3. Transaction fee

It is 3 yuan per square meter for ordinary residence and 11 yuan per square meter for non residence.

4. Housing registration fee

Housing registration fee: 80 yuan / set for residential and 550 yuan / piece for non residential.

5. Stamp duty on license

Stamp duty: 5 yuan / copy. Cost: 10 yuan per unit.

To sum up, to buy a house in advance to understand the basic process of buying a house, there are still some things to pay attention to, in addition to the down payment, should also be prepared to complete the delivery time should pay part of the fee. What is the process of buying a new house and what should be paid attention to, and what fees should be paid when handing over the house.