You can pay the down payment first, and then make monthly mortgage payments. Generally, for a house worth 300,000-400,000 yuan, the down payment is 50,000-150,000 yuan. As for paying taxes, see the following: \x0d\ (1) Taxes required to buy commercial housing: \x0d\ 1. Deed tax, 3-5% of the total purchase price (different provinces, municipalities and autonomous regions have different tax rates), ordinary commercial housing is reduced Half, that is, 1.5-2.5%. \x0d\ 2. Stamp duty, 0.05% of the total purchase price\x0d\\x0d\ (2) Fund: \x0d\ 1. House maintenance fund, 2-3% of the total purchase price, 2% in most places \x0d \2. Non-staple food price adjustment fund, 2 yuan/square meter, not required in some places\x0d\\x0d\ (3) Regulation fees\x0d\ 1. Transaction fee, 0.5% of the total purchase price, the buyer and seller each pay 0.25%, (3 yuan/square meter for residential buildings, paid by the developer, not the home buyer) \x0d\ 2. The production cost of the "House Ownership Certificate" varies from place to place, but it does not exceed 100 yuan\x0d\ 3. "Land Use Rights Certificate" 》The cost of construction varies from place to place, but it should not exceed 100 yuan\x0d\\x0d\ (4) If you get a mortgage, the following fees will also be incurred\x0d\ 1. Appraisal fee, 0.2-0.5% of the total purchase price \x0d\ 2. Insurance premium, total purchase price multiplied by loan term multiplied by 0.1% multiplied by 50% \x0d\ 3. Notary fee, loan amount multiplied by 0.03% 4. Mortgage registration fee, 100 yuan\x0d\\x0d\ How about the house look? Visit more houses, ask more questions, and compare more. As the saying goes, you are not afraid of not knowing the goods, but you are afraid of comparing goods. So as long as you know more about the real estate in the area you want to buy, and then ask people around you, you can buy yourself Favorite house. \x0d\ Hope this helps. Thanks.