当你 购买 a home, the down payment is not the only money you’ll need to save or payment you’ll need to make. You’ll also have to worry about closing costs, which are typically not covered by your mortgage loan.
Let’s discuss closing costs so you can prepare for them.
什么是过户费？
买卖房地产会产生很多费用。其中一些费用包括
- 申请费
- 信用检查费
- 贷款发放费
- 贷款包销费
- 评估费
- 产权查询费
- 产权保险
- 产权结算费
- 律师费
- 预付房主和洪水保险费
- 预付按揭保险费
- 预付财产税
- 预付房屋租赁费
- 房地产佣金
- 转让税
- 按日利息
- 折扣点数（降低利率）
- Flood certification, if you’re buying a home in the flood zone
- 房屋检查
- 为保险目的进行 4 点和防风检查
- 抵押贷款利率锁定费
- 土地测量费
- 研究费
通常情况下，买卖双方都要支付过户费。卖方的优势在于可以从销售完成后收到的款项中扣除过户费。买方通常会预付过户费。
过户费是多少？
一般为贷款总额的 3% 至 5%，有些过户费高达 6%。
尽管您将携带一张支票来支付首付款和过户费，但它们是两个独立的细列项目。您应为这两项做好计划。
另请参见 如何节省首付款
如何以及何时支付过户费？
You’ll bring a check to your closing meeting. You’ll be advised of how much you’ll need prior to the meeting. Usually, you’ll bring a single certified check addressing both amounts.
有些贷款机构还提供将过户费纳入按揭贷款的选项。将过户费计入贷款的成本可能会很高，因为您最终要为过户费和贷款成本支付利息。不过，这种选择可以让借款人更容易获得住房所有权。
有什么办法可以避免过户费？
Sometimes, it’s possible to structure the home purchase deal so that the seller absorbs closing costs instead of the buyer having to pay them, though that happens most often in a buyer’s market. It’s much less common in a tight seller’s market.
一些 贷款方案 允许您将过户费纳入贷款，这也是一种可能性。
Nevertheless, it’s generally better to plan for closing costs so you aren’t blind-sided by them, and so you will retain options when the time comes.
有更多关于过户费的问题？
联系 Doce Group 的 Alex Doce 今天。他非常乐意帮助您在探索贷款和购房方案时了解如何最好地规划过户费用。