Nowadays, many people will apply for a mortgage loan to buy a house after buying a house, thus alleviating their financial pressure on buying a house. So how much is the down payment for a house of 800,000 yuan? Besides preparing the down payment, what other expenses should be prepared for buying a house? Let's take a look at it with Xiaobian.

1. How much is the down payment for the 800,000 house?

According to our country's loan housing policy, if the buyer buys the first suite, he needs to prepare 30% down payment before he can apply for a bank housing loan, then the down payment of 800 thousand house is 240 thousand; If the buyer buys a second suite and needs to prepare 60% down payment before he can apply for a bank housing loan, then the down payment for an 800,000 house is 480,000.

Second, in addition to preparing the down payment, what other expenses should be prepared for buying a house?

1, taxes

After buying a house, you have to pay the relevant taxes. If you buy the first suite, you need to pay the deed tax. The area below 90 square meters is levied at 1%, and the area above 90 square meters is levied at 1.5%. If you buy a second suite, then the deed tax is levied at 3%; If you buy a second-hand house, you need to pay deed tax, value-added tax, personal income tax and so on, which are all borne by the buyer.

2. Appraisal fee for second-hand houses

If you buy a second-hand house and want to apply for a housing loan from the bank, you need to provide a second-hand house evaluation report and pay a second-hand house evaluation fee. The evaluation report fee in different regions is different, some are hundreds and some are thousands.

3. Agency fee

If you buy a second-hand house, there will be an intermediary fee, which is generally 2% of the transaction price of the house. Some are entirely borne by the buyer, and some are borne by the buyer and the seller.

4. Decoration expenses

Most people buy new houses in order to buy a house and settle down, so they need to decorate their houses. To decorate a house, you need to buy all kinds of decoration materials, furniture, electrical appliances, soft clothes, beds, etc., which costs about 200 thousand or more.

5. Monthly contributions

Buyers who have applied for a bank mortgage loan need to pay the monthly payment on time every month. Generally, the maximum monthly payment cannot exceed 50% of the income certificate, preferably 30%, and they should choose the appropriate loan period and repayment method, so as not to have too much pressure on their monthly payment.

6. Others

In addition to these expenses, there are many other expenses, such as: residential property management fees, stamp duty and so on.

Buying a house is a major event in life, so we should carefully consider it. Before buying a house, we should make enough preparations, not only to reserve enough money for buying a house, but also to be prepared to repay the loan for a long time. We should also stand the test mentally and not be crushed by the pressure of repaying the loan. I hope the introduction will be helpful to everyone.

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