Step 2: The borrower needs to apply for a house purchase loan and pay relevant fees.
Banks should pay assessment fees, mortgage registration fees, notarization fees and insurance premiums when handling mortgage procedures, and the specific fees for handling mortgage procedures shall be determined by the lending bank. Reference appraisal fee: 0.2% of the property value. 2. Mortgage registration fee: 80 yuan per copy. 3. Insurance premium: loan amount × insurance rate × loan term. 4. Notary fee: 1.5 ‰× loan amount. The above is for your reference only. The charges of each bank may be different, so you need to consult the bank that handles the mortgage.
Step 3: You need to pay a fee when you check in.
1, natural gas initial installation fee
For the construction project before July 15, 2005, residents in Xi 'an currently pay three natural gas expenses of 2,278 yuan, including the construction fund 760 yuan, IC card expenses of 2 18 yuan, and user engineering installation materials expenses of 1300 yuan; If it is a new construction, reconstruction and expansion project after July 15, 2005, as long as the developer can provide the city supporting fees paid by the state, residents only need to pay two fees when installing natural gas, namely 15 18 yuan, that is, the user's engineering installation materials 1300 yuan and IC card 2/KLOC-0. Consumers pay different fees for natural gas, depending on the length of contracts signed by real estate developers and natural gas companies. In different years, the charging standards are different.
2. The IC card meter costs 300 yuan, and the intelligent alarm costs 268 yuan. According to the actual situation of the project, there is no unified standard at present.
3. It is understood that the initial installation fee of Xi 'an cable telephone is 370 yuan/user, and the viewing fee is 1.68 yuan/year; Digital TV is based on the initial installation of cable TV. The initial installation fee is no longer charged separately, and the viewing fee is 300 yuan/year. It is understood that when cable TV is opened, the relevant expenses can be paid directly by residents to Shaanxi Radio and Television Network, or collected by developers.
It is understood that the initial installation cost of house heating is divided into three parts, namely, the construction cost of heat source, the construction cost of external pipe network and the installation cost of indoor facilities. Heat source construction fee and external pipe network construction fee shall be paid by the construction unit.
5. The ownership registration fee is the fee for handling the real estate license. Xi 'an's charging standard is a set of 80 yuan. According to the latest charging standard, one house is registered, and the house registration fee is charged one by one; Non-housing registration is completed once in the housing register by the housing registration agency, and the housing registration fee is charged one by one. The residential registration fee standard is 80 yuan per piece, and the non-residential registration fee standard is 550 yuan per piece.
6. Decoration deposit: The decoration deposit is collected to restrain other decoration companies and self-installed owners from damaging public facilities during the decoration process. If the decoration company causes any damage in the construction process, it will compensate according to the price and bear corresponding responsibilities. The owner holds the mid-term decoration payment or the final payment, and there is no need to worry that the decoration company will not bear the responsibility. At present, there are no relevant regulations on the decoration deposit, and the cost mainly depends on the agreement between you and the property.
7. Decoration garbage cleaning fee: Decoration garbage and construction garbage must be cleaned and collected by the property or neighborhood committee or (street) office. Individuals are not allowed to clean up and collect decoration garbage. This problem is mainly to prevent some individuals, including decoration companies and construction teams, from taking out the garbage at will.
If the owner carries out garbage removal at his own expense, the property has no right to claim this part of the cost from the owner on the premise that the property management company has not fulfilled the obligation of garbage removal. If the residential property company fails to fulfill the obligation of informing or cleaning up in time, then the owners can complain to various functional departments, and the unreasonable fees charged by the residential property can also be recovered through legal means.
At present, the charging standards of various communities in Xi 'an are not the same, and they are generally priced according to the unit area, which is explained in the agreement through consultation between the two parties. At present, there is no uniform regulation, and whether or not each community collects it is different. If in doubt, further consultation with property management is needed.
8. Prepayment of property fees: Property fees are the fees that property buyers have to pay to the residential property company before moving into the new house, and the longest advance payment is three months.
9. Renovation elevator fees and management fees: At present, there is no relevant policy to specifically regulate the charging behavior of property companies during the renovation of owners, and most of the prices and means are regulated by the market. If the owner of the community has any objection to which charge, he can report it to the price department through written materials, and the price department will investigate.
10. There is no clear definition of public * * * lighting fee and public * * * water fee in advance. It depends on how to sign your management contract. If it is included in the property management fee and the property management company collects it indiscriminately, the owner has the right not to pay this part of the fee.
1 1. overhaul fund pays and withdraws according to the following regulations: when the construction unit sells commercial houses, the buyers of multi-storey houses pay 2% of the purchase price, and the buyers of high-rise houses pay 3% of the purchase price. According to Article 51 of Xi Property Management Regulations, maintenance funds are collected by the property management administrative department where the property is located or the unit entrusted by it. If the owners' committee is not established, the maintenance funds shall be managed by the property management administrative department where the property is located; Where an owners' committee is established, the property management administrative department at the place where the property is located shall, within 30 days from the date of the establishment of the owners' committee, transfer the special maintenance fund and its interest to the owners' committee. The property management administrative department and the owners' committee shall sign a written contract with financial institutions on the storage, withdrawal and settlement of maintenance funds. Under normal circumstances, the overhaul payment is paid when the owner closes the house, and paid to the account designated by the property management office. For developers to accept overhaul fund's proposal, buyers can choose to agree to accept it, and they should also have the right to refuse it; After paying the overhaul fund to the relevant departments, the buyers can show the relevant bills to the developers as proof.
12. According to Xi 'an deed tax collection standard, it is 3%, in which ordinary houses enjoy preferential deed tax policies and are charged at 1.5%. According to the current regulations of Xi, ordinary houses should meet three conditions at the same time, and the plot ratio of residential buildings should be above 1.2; The single building area is below 144 square meters; The actual transaction price is 1.44 times lower than the average transaction price of houses on the same level of land, and it is an ordinary house, otherwise it will be treated as an ordinary house. The deed tax standard for non-ordinary housing is not 5%. At present, the preferential deed tax policies are as follows: for houses purchased from June 2008 1/kloc-0 to June 20091,with the consent of the municipal government, if the subsidy standard for commercial housing is below 144 square meters (including 144 square meters), according to the purchase price,/ At this time, citizens who buy second-hand houses enjoy the subsidy standard of less than 90 square meters (including 90 square meters), which is 1%, 90-144 square meters (including 144 square meters) and1.5% of the total purchase price; 144 to180m2 (inclusive), and the subsidy is 0.5% of the total purchase price.
In addition, if you signed the contract after the implementation of "one-price settlement" on June 65438+February 1 2007, the installation fees of natural gas and cable TV have been included in the house price, so the fees collected and remitted by natural gas, cable TV and developers should be excluded from the above fees. However, the overhaul fund and deed tax need to be paid by the buyer himself.
13. Fees to be paid for handling the real estate license: registration fee: 80 yuan will be charged for each set of house ownership registration fee; Transaction costs: 3 yuan per square meter for newly-built commercial houses and 6 yuan per square meter for second-hand houses shall be borne by the transferor; Deed tax: the deed tax for ordinary houses is charged at 1.5% of the total house price, and that for non-ordinary houses is charged at 3% of the total house price. On October 22nd, 2008/kloc-0, People's Republic of China (PRC) State Taxation Administration of The People's Republic of China and the Ministry of Finance issued the Notice on Adjusting the Tax Policy of Real Estate Transactions, announcing: 1. The deed tax rate will be temporarily reduced to 1% for individuals who purchase ordinary houses of 90 square meters or less for the first time. The first purchase certificate is issued by the competent department of housing construction of the county (district) where the house is located. The policy stipulates that the housing area is 90 square meters or less, and the deed tax can be reduced for the first purchase. Pay the registration fee and transaction fee to the Housing Authority when handling the real estate license. The deed tax is paid to the financial department.