Generally speaking, the mortgage cost of buying a house is 65438+ 0.2% of the total loan. The fees to be paid for the housing loan are as follows:

1. Cost: 80 yuan. The charging standard is the house ownership registration fee, and each set is charged with 80 yuan.

2. Transaction costs: 3 yuan will be charged per square meter for newly-built commercial houses.

3. Deed tax: 65438+ 0% of the purchase price (below 90 square meters, the first purchase), which is the tax to be paid by the buyer when the house is closed, that is, when the developer delivers the house.

4. Public * * * maintenance fund: commercial housing with unit price higher than 2,300 shall be paid as "2.5% of 2,300 area". Commercial housing with a unit price less than 2,300 shall be paid as "2.5% of the total house price".

5. Notary fee: 1.5%× loan amount.

Need to be reminded that the above fees are currently charged by banks in different regions, and buyers of specific charging items need to conduct detailed consultation in banks that handle mortgages.

Extended data

Relevant procedures to be handled in mortgage to buy a house:

1, select real estate

If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.

2. Loan application

After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.

3. Sign a house purchase contract

After receiving the relevant legal documents of mortgage application submitted by the buyers, the bank will issue a loan consent notice or a mortgage loan commitment letter to the buyers after examining and confirming that the buyers meet the mortgage loan conditions, so that the buyers can sign pre-sale and sales contracts with the developers or their agents.

4. After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.