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手中有钱心里不慌 买房请准备好这些钱
发布时间:2016-08-09 13:59:09 来源:东南置业 流量次数:1704 文字大小:【】【】【

买新房需要准备多少钱?很多人认为首付2-3成,买套100万的房子,准备20-30万就够了,其实这样的想法还不够全面,除了首付,还有很多零碎钱也都要考虑到,比如契税、印花税、房屋登记费等等。下面,我们一起来看一下买房到底需要准备多少钱。

一、首付款目前市场上新房的首付款都在总价的20%-30%之间。当然这说的是业主的首套房。也就是说,买个总价100万的房子,首付要准备20-30万左右。

二、月供资金首付2-3成,那么剩下的7-8成房款都只能依靠银行贷款来解决,办理贷款买房,必然涉及到月还款额的问题。贷款分为商业贷款和公积金贷款,利率不同,月供自然也就不同。商贷目前的基准利率是4.9%,公积金的是3.25%。以贷款20年,总贷款80万元为例,商贷利率4.9%,等额本息的还款法来计算的话,每月的月供是5235.55元。月供金额一般跟收入证明挂钩,一般来说,月供占收入的50%是警戒线,30%是一个舒适线。

三、税费支出包含契税、印花税、产权代办费及房屋登记费等;契税:根据2016年最新的契税政策,首套或者二套房,90平以下按1%征收;首套面积在90平以上,按1.5%征收;二套房面积在90平以上的,按照2%征收。北上广深地区二套房按照3%的标准征收;印花税为5块钱,每增加一位购房者增加5元;产权代办费是800元;房屋登记费是80元,每增加一位购房者增加10元。

四、公共维修基金购房合同总价的2%-3%。各地征收标准不一,只有买新房才需要缴纳。

五、前期物业费根据开发商的规定,一般都会要求缴纳半年至一年的物业费。

六、各种初装费因为是新房,所以宽带、电话、有线电视、天然气管道等都需要初次安装或者开通,这笔费用也是不容小觑。

七、面积补差费收房时实测面积如果大于预售面积且不超过3%,就要补交面积差。

八、开发商要求的其他费用买房前一定要考虑周全,从首付到月供再到各项税费,都要纳入预算,才能在买房前期保证资金充足。

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