The loan fees for purchasing new houses generally include:

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

2. Transaction costs. New commercial housing is charged at 3 yuan per square meter.

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 a unit price higher than 2,300: 2.5% of the 2,300 area; Commodity house with unit price less than 2300: 2.5% of the total house price.

5. In addition, if the buyer needs to apply for a mortgage when buying a house, the fees to be paid are as follows:

1. 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.

Need to be reminded that at present, banks in different regions charge different fees for the above-mentioned fees, and buyers of specific charging items need to conduct detailed consultation in banks that handle mortgage loans.

How much does it cost to bank mortgage to buy a house?

The fees to be paid for housing loan in the bank are as follows:

Cost: 100 yuan;

Notarial fee: 300-600 yuan;

Evaluation fee: 1.5 to three thousandths;

Nothing else. If it is handled in a guarantee company, you need to pay a guarantee fee.

Extended data

1. General process of bank mortgage to buy a house:

(1) Please go to the bank for relevant information first. And apply for personal housing loans with all relevant materials.

(2) Then accept the bank's review of you and determine the loan amount.

(3) Next, you can apply for a loan contract, and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.

(4) The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.

2. Bank loan process in mortgage to buy a house:

(1) Select a property

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 purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

(4) signing a house mortgage contract

After signing the house purchase contract and obtaining the payment voucher, the purchaser 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.

(5) Mortgage registration and insurance.

Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. The policy was handed over to the bank before the principal and interest of the loan were paid off.

(6) Open a special repayment account

After signing the house mortgage loan contract, open a special repayment account in the financial institution designated by the bank, and sign a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.

In addition to the down payment, what fees do you need to pay for the loan to buy a house?

1, deed tax, the first suite area below 90 square meters shall be levied at 1% of the house price, and the first suite area above 90 square meters shall be levied at 1.5% of the house price; The second suite with an area of less than 90 square meters is levied at 1%, and the second suite with an area of more than 90 square meters is levied at 2%. (The second suite in the north, Guangzhou and Shenzhen area is levied according to the standard of 3%, and the special policies of individual regions are not excluded).

2. Housing maintenance fund, the payment standard is as follows: local policies are different, generally 2-3% of the purchase price. Generally, it is handed over to the developer before delivery, and the developer gives it to the Housing Authority. After unified occupancy, it will be managed by the owners' committee for large-scale maintenance such as roof waterproofing, elevator overhaul and external wall.

3. Mortgage fee and mortgage registration fee: ordinary residence in 80 yuan and non-ordinary residence in 550 yuan shall be paid to the Housing Authority. Insurance premium: Most banks have to buy insurance. Insurance premium = total house price × rate (generally lower than 0.06% for different insurance companies) × loan period, which shall be paid to the insurance company in one lump sum.

4. Ownership registration fee, 80 yuan/real estate license, and each additional owner will increase the fee 10 yuan.

5, property management fees, from the date of acceptance, generally half a year or a year to pay. The charging standard is determined through consultation between the owners' committee and the property, and can be adjusted flexibly.

6. Decoration deposit. Some communities collect decoration deposit from decoration owners when handing over the house. The cost ranges from hundreds to thousands, in order to prevent the construction from causing damage to the community. After the renovation, the money will be returned to the owner.

7. Stamp duty on warrants, 5 yuan/Ben, plus 5 yuan for each additional buyer.

8. The lawyer's witness fee shall be paid by the lawyer who witnessed the signing of the contract.

9. Stamp duty, the collection standard: taxable value ×0.05%. 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.

Extended data:

Buying a house with a down payment requires the following conditions:

1. The materials and procedures required to handle the house purchase loan are as follows: ID card, household registration book, marriage certificate, income certificate, bank account, and house purchase contract (the married person provides the information of both husband and wife).

2. Conditions for applying for a mortgage: As long as there is stable income, the bank has running water, and it is enough to have running water every month. The monthly income on the income certificate needs to be twice that of the monthly payment, for example, the monthly payment needs 2,000 yuan, and the monthly income needs about 4,000 yuan. There is also a requirement that credit information cannot be overdue. General bank requirements cannot be overdue three times in a row, and accumulated six times in two years, which is based on families.