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攒够钱就可以买房吗?这些隐藏消费令人心寒

上虞楼市   2016-08-29 09:32

[摘要] 房产知识,终于攒够钱可以交首付买房啦!不,还不是时候,除了交首付,还有一些其它的隐藏消费哦!上虞房天下为您解析哦!

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">对于适婚族而言,国家利好政策的调整,楼盘活动的特大优惠等等都一再的刺激着他们的神经,但在此小编不得不提醒有购房意向的适婚族,虽然买房首先要考虑首付的费用,但是绝不能只考虑首付的问题,千万不要天真!

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">事实上,想要购买房产的市民除了首付之外,还有6大隐藏费用呢,契税房屋维修基金物业管理费、权属登记费、交易手续费等五项主要费用以及不能忽视的装修费。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">契税

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">如果以首次置业和非首次置业来划分的话,首次置业分为3种情况:面积90平米以下要交 1%的契税;面积90平米以上144平米以下是1.5%;面积在144方以上是 3%;如果是非首次置业的话,就都要交3%的契税。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">房屋维修基金:其实就是说,我们住的房子在保修期过了之后,如果要重新改造房屋的话,可以启动这笔资金。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">物业管理费

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">不同楼盘的价格自然不一样,但是要提前询问好。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">权属登记费

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">办理房产证的费用。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">交易手续费

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">办理交易过户等手续时要交的费用。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">除此之外,当然还有一项大家都知道的重要费用:“装修费”。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">当然还有一些其他的小“费用”。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">抵押登记费

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">抵押登记费是贷款人到房产登记部门办理房屋抵押登记手续时,缴纳的服务费。以北京为例,办理住宅抵押和他项权利证(实行不动产登记地区为《不动产登记证明》)分别为80元,也就是说一共要交160元。收费标准各地会有差异,具体可以咨询当地房产登记部门。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">房屋保险费

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">房屋保险费实际上是保障房屋因火灾、爆炸等意外事故造成的损坏。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">收费标准为:贷款金额×0.05%×贷款年限。房屋保险是自愿缴纳的,银行一般不会强制收取。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">提前还贷违约金

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">有些银行要求必须还款达到一定时间才能申请提前还贷,并收取一定比例的违约金。有的银行对还款时间和违约金都没有硬性要求。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 15px !important; WIDOWS: 1; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 2em; MARGIN: 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 32px !important; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 32px !important; FONT: 16px/29px 'microsoft yahei'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 15px !important; -webkit-text-stroke-width: 0px">所以说,想要购买房产的市民,还真不是就只交首付这么简单的事。一定先要把这些费用问题、至关重要的选房因素考虑清楚了,再主动出击,买到心仪好房。

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