How to calculate the price of buying a house: hot topics and structured analysis on the Internet in the past 10 days
Recently, house purchase price calculation has become one of the hot topics on the Internet. With policy adjustments and market fluctuations, home buyers are increasingly paying attention to issues such as housing price composition, loan costs, taxes and fees. This article combines the hot content of the past 10 days to provide you with a structured analysis of the calculation method of house purchase price.
1. Core components of housing prices
| Project | Description | Proportion range |
|---|---|---|
| total house price | Quotation from developer or landlord | 100% benchmark |
| down payment | First house usually 30% | 20%-40% |
| loan interest | Commercial/provident fund loan | Total interest ≈ 50%-80% of principal |
| taxes | Deed tax, value-added tax, etc. | 3%-10% |
2. Recent hot topics of discussion
1.Impact of LPR interest rate changes: The latest 5-year LPR has dropped to 3.95%, and the monthly payment for a million-dollar mortgage has been reduced by about 150 yuan, becoming a hot topic among home buyers.
2.First-tier cities loosen purchase restrictions: Some areas in Shenzhen and Shanghai have lifted restrictions on non-household registration house purchases, directly stimulating local housing price expectations.
3.Controversy over shared area: The new regulations of the Ministry of Housing and Urban-Rural Development mention that "price based on the area of the apartment" may be promoted, triggering a re-evaluation of the method of calculating housing prices.
3. Detailed price calculation model
| Fee type | Calculation formula | Example (1 million properties) |
|---|---|---|
| Deed tax | First unit below 90㎡: 1% × total price | 10,000 yuan |
| agency fee | 1%-2% × total price | 15,000 yuan |
| 30-year commercial loan interest | Equivalent principal and interest calculator | About 710,000 yuan (interest rate 3.95%) |
| maintenance fund | 50-200 yuan/㎡ | 10,000 yuan (100㎡) |
4. Suggestions for optimizing housing purchase costs
1.Pay attention to the policy window period: Many places have launched home purchase subsidy policies, such as Changsha’s 100,000 yuan subsidy for PhD students, Zhengzhou’s tax refund for house exchange, etc.
2.loan portfolio strategy: The provident fund + commercial loan combination can lower the interest rate. The current provident fund interest rate is only 3.1%.
3.Eligibility for tax deductions: Some cities exempt and exempt talents from deed tax when purchasing houses. For example, Suzhou Industrial Park subsidizes 50% of deed tax for high-level talents.
5. Market trend data reference
| city | Average price of new homes in February | Month-on-month change |
|---|---|---|
| Beijing | 63,200 yuan/㎡ | +0.3% |
| Shanghai | 66,800 yuan/㎡ | -0.1% |
| Guangzhou | 38,500 yuan/㎡ | +0.7% |
| Chengdu | 16,200 yuan/㎡ | +1.2% |
The calculation of house purchase price requires comprehensive consideration of market conditions, personal financial status and policy bonuses. It is recommended that home buyers use professional calculation tools and consult regular intermediaries or bank account managers to obtain the latest data. Under the current market environment, rational use of policy discounts may save 10%-15% of the comprehensive home purchase cost.
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