First of all, you can apply for check-out with the consent of the real estate developer, then you have to submit a check-out application to the Housing Security and Real Estate Administration, and then you can check out publicly online and cancel the advance notice registration. If you have already applied for a mortgage, first of all, the developer will negotiate and the two sides will reach an agreement to go through the check-out procedures; You need to pay off the mortgage before you can go to the Housing Authority to cancel your housing information, so as to achieve the goal of checking out completely.

Besides down payment and monthly payment, what other expenses do you need to pay?

1. Assessment fee

The fees charged by the appraisal agency designated by the bank will also be different, generally between 0. 1%-0.5% of the appraisal price.

It should be noted that the factors affecting the evaluation price of second-hand houses are firstly regional factors, including residential lots, traffic conditions, surrounding environment, supporting facilities, future development prospects and environmental pollution. Secondly, the factors of the house itself, mainly including the age, floor, orientation, apartment type, house decoration, ventilation and lighting, property type, gas status, housing allocation rate and so on.

In addition, there are market factors and psychological factors. It should be noted that the charging standard given by the National Development and Reform Commission is 0.3%-0.5% of the evaluation price, and the specific charging standard fluctuates according to market adjustment. Therefore, the charging standards of appraisal fees will vary from region to region and from institution to institution. When the purchaser signs a service agreement with the appraisal institution, the charging standard of appraisal fee should be made clear, so as to avoid the influence of the appraisal fee on the purchase process afterwards.

2. Mortgage registration fee

The mortgage registration fee is the service fee paid by the lender when going through the mortgage registration formalities at the real estate registration department. Take Beijing as an example, the residential mortgage and the certificate of other rights (the real estate registration area is the real estate registration certificate) are 80 yuan respectively, that is to say, a total of 160 yuan is required. The charging standards will vary from place to place. Please consult the local real estate registration department for details.

3. Housing insurance premium

Housing insurance is actually to protect houses from fire, explosion and other accidents.

The charging standard is: loan amount ×0.05%× loan period. Home insurance pays voluntarily, and banks generally don't force it.

4. Liquidated damages for repaying the loan in advance

Some banks require repayment for a certain period of time before applying for early repayment, and charge a certain percentage of liquidated damages. Some banks have no rigid requirements on repayment time and liquidated damages. This requires buyers to know clearly in advance.