foundation of financial planning contents of the expenses

When purchasing the residence, vis-a-vis object price it accompanies “generally known down payment” and object purchase in the down payment which becomes necessary there is two of “costs”.This time, we would like to keep us speaking, there are some ones concerning latter “costs”.

Like below there is a thing as the costs which accompany object purchase.

– When making a contract
Stamp tax
Tax assessment differs the revenue stamp generation which is stuck in the contract sheet contract contract and the like, type of contract, depending upon the contract amount.

* In addition, the case and the like where the old object is purchased, there is a brokerage which is paid to the real estate agent and the like.
Object price ## 3% + 60,000 Yen limit (as for consumer tax difference).

– When acquiring
Real estate acquisition tax
The occasion where real estate is acquired, the tax where the metropolis and districts of the address of that real estate impose a tax.

Tax assessment = {price of residence (property tax assessed amount)? 1,200 ten thousand Yen} ## 3%
n/a those which are constructed after April 1st, in case of the building which is acquired to 2004 June 30th)
* In order the second house (weekend to reside, because in suburb and the like, such as acquisition and the long-range commuting person resides in weekday acquisition, every month above 1st, those which it is used for the residence) it is included in the vicinity of the workplace to the range of the residence, but the villa residence (other than daily living, those which exclusively designate recuperation as purpose) it is not included.

amount of tax=the price of land (tax valuation of fixed assets) ×1 /2 × 4% × 3/4?reduced housing ( )
45,000yen or, local1?×1/2× {of residential floor area2double (200?limit the) } ×3%amount, whichever is larger
(from the date you acquire the land3if you get a house within a year)
most often it tax free
registration and license tax
tax on registration in the register when the establishment of a mortgage, home ownership and.

registration of the owner to indicate that it is the first time for newly constructed buildings
amount of tax=tax valuation of fixed assets×1.5%
(newly constructed housing, after the new construction1if you save the registration within a year, heisei15years3month31by day)

if you are receiving a loan, collateral against its borrowings to set the registration
amount of tax=loan amount×1%
(collateral for the claim pertaining to the funds for the acquisition of that if the individual has obtained a certain new homes or existing homes, in the registration of the establishment of a mortgage for the purpose of these housing, after obtaining new construction or after1shall be made in the year)

registration of the building display (if you built a new building, ground that the proprietor of the building, lot number, registration number in the house for) is tax-exempt.

fees & registration (compensation to the judicial scrivener)

loan relationship
· financing fees
pay fees when they borrow a mortgage and banks in government housing loan corporation

tax and stamp
generation revenue stamp affixed to the contract, such as when you create a financial loan (see above)

-fee loan guarantees
when you use a mortgage, as an alternative to get a cosigner own, request a guarantee fee to the company and guarantee institutions guarantee. recently, the growing number of financial institutions without this guarantee charge.

insurance, group credit life insurance
if there is any chance that their mortgage contract, to absorb the balance of the mortgage repayment insurance (join any government housing loan corporation. if the bank is often the bank will be borne by the insurance) .

insurance, fire
better to contract a long period of time together will be cheaper premiums. to compensate for the fire caused by earthquake, also participate in earthquake insurance is required (the insurance amount, amount of fire insurance50%to)

other
· moving expenses
freight or depends on the distance.

costs such as furniture, interior

gold reserve when a repair (for example, if you buy an apartment)

over, what i want to hold down expenses to buy a house as.
it is surprising what a lot.
of property prices5~10%take the amount of about, i think you feel like you can see it is said to be.