How to calculate the running accounts of buying a house
In the past 10 days, hot topics about buying a house on the Internet have mainly focused on housing price fluctuations, loan policies, and calculation of home purchase costs. This article will combine these hot topics and provide a clear structured data guide for home buyers with the theme of "How to Calculate House Purchasing Accounts".
1. Inventory of hot topics
According to network data in the past 10 days, the following are hot topics related to buying a house:
| Ranking | hot topics | Number of discussions (10,000) |
|---|---|---|
| 1 | Mortgage interest rates cut | 125.6 |
| 2 | Down payment ratio adjustment | 98.3 |
| 3 | House purchase tax calculation | 87.4 |
| 4 | Second-hand house transaction process | 76.2 |
| 5 | Real estate certificate processing time | 65.8 |
2. Calculation method of house purchase accounting
The total cost of buying a house can be divided intoupfront cost,mid-term costsandLater costsThree parts. The following is a detailed classification:
| stage | Project | Calculation formula/explanation |
|---|---|---|
| upfront cost | down payment | House price × down payment ratio (usually 20%-30%) |
| Deed tax | First house: 1% below 90㎡, 1.5% above 90㎡ Second suite: 3% | |
| maintenance fund | Standards vary from place to place, usually 50-120 yuan/㎡ | |
| mid-term costs | loan interest | Loan amount × interest rate × loan term |
| Notary fees | 0.3% of the loan amount | |
| Later costs | Property fees | Building area × unit price (usually 1-3 yuan/㎡/month) |
| Decoration fee | Depending on the decoration level, 800-3000 yuan/㎡ | |
| Furniture and appliances | About 5%-10% of the house price |
3. Calculation of typical cases
to purchase a setTotal price 3 million yuan,Area 100㎡For example, the first suite:
| Project | Calculation method | Amount (yuan) |
|---|---|---|
| down payment | 3 million×30% | 900,000 |
| loan amount | 3 million-900,000 | 2,100,000 |
| Deed tax | 3 million×1.5% | 45,000 |
| maintenance fund | 100㎡×80 yuan | 8,000 |
| 30-year loan interest | 2.1 million×4.1%×30 | Approximately 1,530,000 |
| total cost | Down payment + loan principal + interest + taxes | Approximately 4,583,000 |
4. Tips for saving money
1.Pay attention to the policy window period: Many places have recently launched home purchase subsidy policies, which can save up to tens of thousands of yuan.
2.Make good use of provident funds: The interest rate of provident fund loans is 1-2 percentage points lower than that of commercial loans, and it can save hundreds of thousands in interest in 30 years.
3.Compare loan options: The total interest of equal principal and interest is less than that of equal principal and interest, but the early repayment pressure is high.
4.tax benefits: Some cities have deed tax exemption policies for talents purchasing houses.
5. Hot questions and answers
Q: Is now a good time to buy a house?
A: According to the latest data, the current market presents the following characteristics:
| indicator | Current situation | Trend |
|---|---|---|
| Mortgage interest rate | 4.1% for the first set | historically low |
| house price index | A month-on-month decrease of 0.2% | signs of stabilization |
| inventory cycle | 18.6 months | supply exceeds demand |
It is recommended that those who just need to buy a house can choose the opportunity to enter the market, but investors still need to be cautious.
Summary:Buying a house is a systematic project that requires accurate calculation of various costs. The structured data and methods provided in this article can help home buyers plan their budgets and avoid the risk of breaking the capital chain. It is recommended to conduct a cash flow stress test for 3-6 months before purchasing a house to ensure that the quality of life is not affected.
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