In addition to the down payment, there are ten expenses to be paid for the loan to buy a house. I will list them one by one:

1. Deed tax: According to the regulations, deed tax shall be paid when the real estate license is issued. But in practice, many developers force buyers to pay deed tax in advance when handing over the house. After handing over the house, it was found that there was an error between the actual area and the area agreed in the contract, and the deed tax was refunded more and supplemented less.

Developers are prohibited from collecting deed tax, and property buyers have the right to pay it themselves.

2. Public Maintenance Fund:

Give it to the developer before handing over the house, and the developer will hand it over to the Housing Authority. After unified occupancy, it will be handed over to the owners' committee for unified management, which will be used for large-scale maintenance such as roof waterproofing, elevator overhaul and external wall.

3. Bank mortgage fees:

Mortgage registration fee and insurance premium.

Most banks force lenders to buy mortgage insurance, and the insurance premium = total house price × rate × loan term, which is paid to the insurance company in one lump sum. The rate of each insurance company is different, generally the lowest is 0.06%.

If the lender fails to repay the loan in time due to personal accident or property safety, the insurance company will compensate.

4. Ownership registration fee:

The cost of handling the property right certificate will increase the production cost of each additional property owner.

5. Property management fee:

From the date of acceptance, that is, the date of delivery, the payment is generally half a year or one year.

6. Decoration deposit:

Some communities collect decoration deposits from decoration owners when handing over houses, and the expenses range from several hundred to several thousand, in order to prevent the construction from causing damage to the communities. The money will be returned to the owner within a certain period of time after the decoration has passed the property acceptance.

7. The map issuance fee is 25 yuan/sheet, and the stamp duty of warrants is 5 yuan/sheet. Every time a buyer is added, 5 yuan is added.

Other expenses that may be involved in buying a new house:

8. Lawyer's witness fee

There is no need, it shall be subject to the agreement of both parties. Remember to check whether there is a mandatory clause of "lawyer witness" in the contract.

Lawyer's witness means that there is a lawyer's witness when signing a house. It has the same legal effect as notarization, equivalent to the role of certificate or witness, but whether to hire a lawyer or not does not affect the validity of the sales contract.

In view of this, if the developer asks for witness, let the developer pay the lawyer witness fee.

9. Notary fees

Domestic buyers generally do not need notarization to buy new houses. The legal status of foreigners needs to be confirmed by the national notary office, so it needs to be notarized when buying a house. A contract without notarization is invalid.

10, stamp duty

When signing a contract, it is usually paid together with the down payment. At present, individuals selling or buying houses are temporarily exempt from stamp duty.

Second, what other expenses do you need to buy a car by mortgage besides the down payment of the car?

First of all, there is a specific formula for the purchase tax, but if you calculate it yourself, you can roughly estimate it according to 9% of the car price.

As for the license plate, generally speaking, if it is a 4S license, the license fee and agency fee may vary from place to place. Usually a few hundred dollars is enough.

Then insurance, no insurance, dare not go on the road, can not escape. Basically, in addition to travel tax and compulsory insurance, these two are necessary. Then the commercial insurance part, generally speaking, car damage is not free, it is enough. Seat insurance wants people who actually excelle, so insurance is enough.

3. What other expenses do you need to buy a car by mortgage besides the down payment?

The purchase tax is 9 1900 divided by 1. 17 multiplied by 10%=7857.4 yuan, such as compulsory insurance, which is 3000-5000 yuan. You can choose several grades, with the increase of insurance coverage, so the license plate is 170 yuan, and the others are basically gone, totaling about12,000 yuan.

4. What other expenses do you need to buy a car by mortgage besides the down payment?

In addition to the down payment, you also need to pay car purchase tax, insurance premium, loan fee and car inspection fee.

Calculation method of automobile purchase tax:

1, [car price-(car price ×17.1%) ]×10.1%.

The above is a general calculation formula, and the specific tax increase amount is subject to the IRS database.

Calculation method of automobile insurance:

Insurance (including commercial insurance)

1, car damage insurance: car price ×0.9% basic premium (342 yuan);

2. Third-party liability insurance: the insurance claim is 200,000 yuan and the fixed premium is 952 yuan;

3. Car seat insurance: the insured amount is RMB 654.38+0 million per seat, and the number of seats is RMB 654.38+0.29× 0.29×

4, the whole car theft rescue: car price × 0.42%;

5. Risk of glass breakage: car price × 0.12%;

6. Car damage insurance does not include deductible: car damage insurance premium ×15%;

7. No deductible for the third party: the third party liability insurance premium ×15%;

8. Compulsory traffic insurance: 950 yuan.

Extended data

The tricky thing about buying a car with a loan is that

1, charging more in various names.

Everyone can figure out the interest in front, but the charges in the back are a little confusing. For example: notary fees, mortgage fees, credit information fees, transfer fees and so on. These expenses are not a question of whether they are paid high or low, but should not exist at all.

2. Compulsory collection of renewal deposit

Usually, some stores charge a deposit or you have to buy insurance from me or something. Mortgage companies always like to make money from our car owners like this. This is totally unreasonable. However, almost all loan companies are like this, which really makes people helpless.

3. Ask for extra insurance.

Then, including buying insurance, many mortgage companies will ask you to buy theft insurance. In fact, some loan companies or banks won't ask you to buy a burglary. Don't think that everyone is like this.