What are the "expenses" when purchasing a house?　

The cost of purchasing a house is the cost of purchasing the property itself.Various costs such as taxes, registration costs, and fees are incurred.

How long it costs depends on the type of property and the presence or absence of land, but there is a market price based on the property price, and the following amount is said to be a guide.

Estimation of various expenses

If the property price is 40 million yen, the following costs are the following.

It is important to note that various expenses are not included in the price of the house itself, so in principle, the mortgage borrowing amount is not included.

It is important to calculate how many expenses it costs in advance when purchasing a house because it is necessary to prepare millions of yen in cash.

What are the "expenses"?

There are various types of expenses for buying a house.Some are different depending on the individual case, but the typical ones are as follows.

◇ Breakdown and standard of various expenses over the “property”

・印紙税

The stamp fee to be applied to the sales contract.

【rough indication】

If the contract price is over 10 million yen to 50 million yen or less, 20,000 yen (reduction measures are available until March 31, 2022)

・不動産取得税

You will be taxed only once when you get a real estate.In the case of real estate that meets certain conditions, taxation may be exempted due to reduced measures.

【rough indication】

Property tax valuation x 4 % (reduction measures are available until March 31, 2024)

・登録免許税

Taxes on registration of ownership.A certain tax rate is determined depending on the type of registration.

【rough indication】

Property tax valuation x 0.4-2 % (only buildings only for reduced measures until March 31, 2022)

・司法書士費用

In many cases, the above registration procedure asks a judicial scrivener for agency, and the amount of remuneration varies depending on the type of registration.

【rough indication】1万～13万円程度

・住宅ローン抵当権設定登記（借入ありの場合）

When purchasing a house using a mortgage, the financial institution sets the mortgage (the right to pay the real estate as collateral when the borrower can no longer repay the loan).

【rough indication】住宅ローン借入額×0.4 %

・固定資産税、都市計画税（精算金）

Taxes for housing owned.The person who owns land and buildings as of January 1 will pay a year's tax for the year.If there is a delivery in the middle of the year, a settlement will be incurred.

In general housing, the tax amount is reduced to one -half for three years to 120 square meters (long -term excellent housing is further preferred).

【rough indication】

Property tax: property tax valuation x tax rate 1.4 %（標準税率）

City planning tax: property tax valuation x tax rate 0.3 % (upper limit)

・仲介手数料

Fees for purchasing a used house (detached house, condominium) brokered by real estate companies.I often pay half at the time of sales contract, and the rest when the delivery is completed.

【rough indication】

Price price x 3 % + 60,000 yen + consumption tax

・修繕積立基金

Expenses only when purchasing a new apartment.We will pay in preparation for future large -scale repair.

【rough indication】20万～40万円程度

◇ Breakdown and guideline for various expenses over the “mortgage”

・印紙税

A stamp fee to be posted on a mortgage contract.

【rough indication】

About 20,000 to 60,000 yen

・融資事務手数料

Fees paid to financial institutions that contract for mortgages.It depends on the financial institution.

【rough indication】

About 30,000 to 50,000 yen.Or about 1 to 3 % of the borrowing amount

・ローン保証料

The money paid to the guarantee company that replaces the repayment if the mortgage is no longer repaid.Not required when using Flat 35.Also, depending on the financial institution, zero and may be added to the monthly interest rate.

【rough indication】

About 0 to 2 % of the borrowing amount

・物件調査手数料

Fees for investigating whether housing complies with loan standards.It will take when using Flat 35.

【rough indication】

20,000 to 80,000 yen per detached house, about 40,000 to 60,000 yen for condominiums

・団体信用生命保険料

Insurance fee to join when you make a mortgage.If you can't repay your mortgage because the person borrowing a house is in case, the remaining debt will be zero.

【rough indication】

If you have a special agreement, normal interest rate +0.2-0.About 3 %

・火災保険料、地震保険料

Most financial institutions require a mortgage loan and need to join fire insurance.If you are preparing for an earthquake, you will need an earthquake insurance.

【rough indication】

Fire insurance premiums are about 150,000 to 400,000 yen (for 10 years lump -sum contract)

Earthquake insurance premiums are about 50,000 to 250,000 yen (for 5 years batch contract)

Let's simulate various expenses

The cost of purchasing a house depends on various conditions, such as the type of property and how to set up a mortgage, but it can be roughly divided into the following two patterns.

Let's simulate the estimated costs in these two patterns.

The simulation is a simple estimate, and does not take into account reduction measures or individual circumstances, so it is different from the actual costs.

For more specific amounts, contact the architectural or real estate company.

◇ Newly built detached houses (custom -built houses) and newly built condominiums

* If the property price is 40 million yen and the borrowed amount is 35 million yen

Registration fee / Registration license tax: about 800,000 yen

Mortgage mortgage setting registration: about 190,000 yen

Sales contract stamp fee: about 30,000 yen

Property tax: about 100,000 yen

Mortgage administrative fee: about 5.40,000 yen

Fire insurance premium: about 400,000 yen

Real estate acquisition tax: about 900,000 yen

———————————

Total costs: about 247.40,000 yen

◇ Newly built detached house (built -for -sale housing), used detached houses, second -hand condominiums.

* If the property price is 40 million yen and the borrowed amount is 35 million yen

Brokerage commission: about 136.¥ 10,000

Registration fee / Registration license tax: about 800,000 yen

Mortgage mortgage setting registration: about 190,000 yen

Sales contract stamp fee: about 30,000 yen

Property tax: about 100,000 yen

Mortgage administrative fee: about 5.40,000 yen

Fire insurance premium: about 400,000 yen

Real estate acquisition tax: about 900,000 yen

———————————

Total costs: about 383.50,000 yen

It can be seen that construction and used houses are charged for brokerage, so the costs are higher than that of new construction.

How to save various expenses

I want to keep the costs of purchasing a house that requires a large amount of cash at a time.I will explain the points that can be saved with a little ingenuity and effort.

・火災保険の補償内容を見直す

It is essential to join a fire insurance to build a mortgage, but you can save money by reviewing the compensation.What are the minimum compensation for my home?Let's review it again before joining.

・ローン保証料を見直す

A guarantee fee for a loan guarantee company that will take over when you can no longer pay a mortgage loan.In some cases, a mortgage that does not need a loan guarantee, such as a flat 35, can be saved by putting a lot of down payments.

・司法書士に依頼せず自分で登記

No reward is required unless you ask a judicial scrivener.Consider whether you can register yourself.However, if you do it yourself, don't forget that it will take time and money.

Points and precautions for considering various expenses

As mentioned above, various expenses are paid in principle.You need to prepare a lot of cash in advance.

However, if it is difficult to prepare cash, you can use a "expense loan".A loan that can incorporate various expenses into the borrowed amount of housing purchase, which is a great help if you have less self -funds.

However, there are some points to note, such as the fact that the real estate acquisition tax cannot be incorporated, the borrowing amount increases and the monthly expenditure increases.

When purchasing a house, there are other moving costs, furniture and home appliances, and the expenses tend to be spilled.Based on these, make a fund plan so that you don't regret.