Total price: 540,000 yuan
Loan amount: 430,000 yuan (the loan amount is an integer of ten thousand digits, and the proportion does not exceed 80% of the total amount).
Note: the loan amount is related to personal credit and whether there is a first suite, and the maximum is not more than 80%.
Down payment (total contract price-total loan amount) 1 10000.00
Overhaul fund (total contract price *3%) 16200.00
Cadastral survey fee (80.8 yuan/set) 80.80
Deed tax (total contract price * 1%) 5400.00.
Stamp Duty on Warrants (5 yuan/set) 5.00
Contract stamp duty (total contract price *0.05%) 270.00
Mortgage registration fee (80/ set) 80.00
Stamp duty on mortgage (loan amount *0.005%) 2 1.50
Note: Because I am from Chongqing, I calculate the tax according to the current tax rate of ordinary houses in Chongqing, 1%. I don't know which city you are from and what the tax is. If you know it yourself, you can only change the tax part. Overhaul fund is calculated at 3% (I plan to buy you an elevator, or 2% if it is not an elevator).
So your down payment: down payment+overhaul fund+sporadic cadastral survey fee+deed tax+stamp duty of ownership certificate+contract stamp duty+mortgage registration fee+mortgage stamp duty = 132057.3 yuan.
The monthly mortgage of 430,000 yuan is about 2,838 yuan (20-year repayment 1 10,000 yuan is about 66 yuan) according to the calculation of the first loan for 20 years.
Okay, simple and clear. You can calculate how many houses you want to buy. If the building area exceeds 90 square meters, you won't get 80% of the loan. You have to calculate the maximum loan of 70%, that is, the loan amount cannot exceed 70% of the contract amount. The situation of the first suite is different from that of the second suite and multi-suite. Generally, the first suite can be 20%, and the second suite will be 50%. You have to ask the bank for details. Because you don't know which city and what products you are in, I can only answer you according to Chongqing's standards, and the related expenses will not go wrong a lot. But I suggest that you can find a local property consultant to help you calculate.