Loans to raise the cost of housing 1.8 million house 30% down payment actually pay 900,000

Every reporter Tombellou trainee reporter still from Beijing yesterday (April 20) 1 o'clock in the afternoon, Beijing, a real estate intermediary property consultant Chen Yan too late to lunch, she has been waiting in line Line 5 days Tong Yuan South Station exit. "Now the listings are increasing, the owners are speeding up selling, so the company has to work overtime promotions." "Chen Yan to the daily economic news," the reporter said.　　She is in the real estate intermediary store, but is away from the subway mouth 800 meters of the community. In her supply of many sets of listings, the largest huxing area of 253 square meters, followed by more than 150 square meters, more than 130 square meters of the house.　　The reporter saw in the quotation, the smallest set of 100 square meters of two rooms and one hall average price of 18,000/square meters, the total room is 1.8 million yuan. When the "Daily economic news" reporter consulted the house, Chen Yan said: "If the loan to buy this set of 1.8 million yuan second-hand housing, buyers need to pay more than 880,000 yuan of various types of fees, which interest in loans accounted for a large part." "Total count, this set of 1.8 million yuan house buyers will eventually pay 2.68 million yuan."　　　　At the same time, need to prepare at least 900,000 yuan of cash, can do loan formalities, otherwise cannot deal.　　1.8 million how to "sell" 2.68 million?　　This 100-square-metre house, why do buyers need to spend more than 880,000 yuan of the cost? "The increase of 880,000 yuan refers to including the transfer fees, the deed, loan interest, land transfer funds, including various other costs, the source of the cost is very clear."　　"Chen Yan said. First is the loan interest, if the loan 1 million yuan, 20 years repayment, the current second-hand housing loan interest rate is about 6%. According to this calculation, the total interest required to pay 600,000 yuan. "Monthly payment should be 6627 yuan, if not early repayment, the need to continue to pay 20, that is, about a total of 1.6 million yuan to pay."　　"Chen Yan said. Secondly, because Tian Tong Yuan is an affordable housing, need to spend 10% of the land transfer gold (that is, 1.8 million yuan 10%=18 million). The third is the deed, it is possible to pay in accordance with the proportion of 3%, that is, about 54,000 yuan.　　The fourth is the intermediary fees, in accordance with the total 3% of the housing payment, about 54,000 yuan.　　After careful calculation of the above, the daily economic news reporter finally figured out the home buyers need to pay the total room, which than the price of 1.8 million yuan to pay more than 880,000 yuan. "The original state requires owners and buyers share in addition to the interest of the loan part of the tax, but now the practice is all by the buyers bear." In fact, the owners can also share part of the cost, the problem is that if this is the case, the price is not more than 1.8 million yuan. On the basis of this offer, it will be the same as the part of the costs that the owners bear. Chen Yan said, "If buy this set of price 1.8 million yuan of house, the home buyer must prepare at least 900,000 yuan of cash, can handle the loan formalities of buying a house." "According to the introduction, buyers can take a flexible approach, the first 400,000 yuan deposited into the owner's account, through the bank freeze after the follow-up paymentProcedure, "Of course, the more money the better, but at least 20%, so that owners can trust buyers." "The second step will be to employ a third party assessment company to make an assessment of the house, generally lower than the market price."　　Chen Yan said that the 100 square meters of the house although the market price of 1.8 million yuan, but will be assessed as 1.4 million yuan.　　The third step, the bank according to the evaluation price of 70% after the loan, the landlord still need to charge the actual house price of the balance of 820,000 yuan, deduction has paid 400,000 yuan, the buyers need to pay the balance of 420,000 yuan. "In accordance with these 3 steps to pay cash, the intermediary company will be responsible for the transfer formalities, but need to charge 3% of the total room (that is, 54,000 yuan) fees."　　"Chen Yan said.　　　　According to the above procedure calculation, the buyer needs to prepare at least 900,000 yuan of cash to finish the loan formalities of this House. Increase in turnover "relative to Tongzhou, the current Tian Tong Yuan House is in fact underestimated stage, Tongzhou before the highest selling to 28,000 yuan per square meter, but here the highest price is less than 20,000." "A sales manager in the big Henderson said to reporters that if it is a large 150 square meters, the average price can be sold at 13,000.　　If it is 100 square meters of huxing, at least not less than 16,000 yuan. But the reporter learned that, days tong yuan second-hand real estate (such as the North Center, tomorrow, the first city) has reached a maximum of 25,000 per square meter. "25,000 is 50~60 square meters of small huxing, large size is currently not possible to such a high price."　　The above sales manager said. For this judgment, Chen Yan agreed, although the house in the last 2 months in sharp price increases, turnover is also continuing to climb, but due to the country repeatedly introduced regulatory measures, the last two weeks of turnover decline. I can get at least two put owners a day, a lot faster than two weeks ago. and Tongzhou also spread the news of a substantial price reduction, speculators are selling, this is a must face the fact.　　At present, there are thousands of homes in the vicinity of Tian Tong Court, of which hundreds of suites are eager to sell. Use mortgage to buy two suites risk increase "now buy a house, the best way is to pay a lump sum, otherwise pay the other costs too high, a little uneconomical."　　"Chen Yan said. According to the introduction, because the first payment must reach more than 900,000 yuan, this threshold will be the vast majority of homebuyers outside the door. If the first payment is too small, the name is to buy a house, but pay the interest and other costs higher, "spent a lot of money, not as good as rental." Chen Yan says many homebuyers buy second homes through mortgage first suites and bank loans. "But now this approach has a very big risk because the speculators are hard to sell." "In her view, the current policy regulation is only temporary," according to the Convention, by June this year, the peak of real estate transactions, then can truly distinguish the situation. ”