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What are the costs of buying a house loan?
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 unit price higher than 2,300: 2,300 * area * 2.5% commercial housing with unit price lower than 2,300: 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.