Yangcheng Evening News reporter Chen Yuxia
Recently, Ms. Liu, a citizen, bought a second-hand house through a real estate agency. In addition to the taxes and agency commissions she had to pay, she also paid expedited fees, assessment fees, mortgage fees and other charges, and some of them did not. related bills.
In this regard, she asked the question: What are the costs of buying a second-hand house?
A reporter from the Yangcheng Evening News learned that the current cost of second-hand housing transactions in Guangzhou mainly involves agency commissions, taxes, and mortgage fees.
In addition to the unified buyer and seller taxes and fees stipulated by the government, the intermediary companies charge different intermediary fees and mortgage fees.
Second-hand housing transaction fees vary
Buying a second-hand house, the buyer mainly involves three major expenses: commission, deed tax, and mortgage fee.
Among them, the deed tax, the government has relevant detailed charging standards, is relatively clear.
However, there will be a big difference between the intermediary fee and the mortgage fee.
The "Guangzhou Real Estate Intermediary Credit White Paper (2021)" issued by the Guangzhou Housing Transaction Supervision Center and the Guangzhou Real Estate Intermediary Association shows that in the second-hand housing business, the commission rate between 1% and 2% is still the mainstream of the market. 53.42% of the intermediaries adopted it; the proportion of intermediaries with a commission rate of 1% and below accounted for about 27%; the number of intermediaries with a commission rate in the range of 2% to 3% increased compared with 2017 and 2019, accounting for about 19.2% .
Shao Hongying, director of Lianjiatian Hebei Region, and Lai Yongrong, general manager of Deyou Quantong Real Estate, told the Yangcheng Evening News reporter that in their stores, the commission is generally paid by both the buyer and the seller. It is to pay the above 1%.
However, if it is an old customer or the transaction amount of the house is relatively large, a certain discount can be appropriately given according to the actual situation.
A reporter from the Yangcheng Evening News learned that the intermediary brands that cooperate with Shell have the same charging standards; but many real estate intermediary companies outside the platform have different commission standards.
For example, some large intermediary companies introduce 0.69% of the total transaction price as a commission for each buyer and seller; some small intermediary companies can negotiate the price, which varies from customer to customer.
The same goes for mortgage fees.
It is understood that at present, the mortgage fee in the second-hand housing transaction process in Guangzhou is mainly charged in two ways. One is based on the order, and each order ranges from 2,000-4,000 yuan. There is also room for negotiation, which requires buyers to interview; the other is to charge 0.5%-0.8% of the total loan amount to calculate the mortgage fee. For example, if the loan amount is 3 million yuan, the mortgage fee is 15,000-24,000 yuan.
The housing transaction contract needs to be read carefully
"In recent years, the Consumer Council has successively received some consumer complaints about real estate transactions. One of the key points is that transactions are not transparent, there is a problem of price gouging, and it is difficult to protect consumer rights and obtain evidence after consumers are violated." Guangzhou Consumer Council Deputy Director Zhang Kashi said.
According to the data released by the Guangzhou Association of Real Estate Intermediaries, in 2021, there will be a total of 1,296 "12345" hotline and complaint cases related to real estate intermediary services, of which 135 are about "arbitrary charges", including opaque charging standards, mandatory or bundled charges , or fail to collect intermediary service fees as agreed in the intermediary service contract, or charge fees other than those stipulated in the contract.
Citizen Ms. Zhang told reporters that when she bought a house last year, she was worried that the bank was slow in lending. After following the advice of the real estate agent, she paid an additional 5,000 yuan for expedited lending, but the bank did not lend much faster.
In the face of some chaotic charges in the market, there are 11 real estate brokerage brands in Guangzhou (Guangzhou Lianjia, Guangzhou Deyou, Residential Commercial Real Estate, Home Real Estate, 21st Century Real Estate, Living in the World, Treasure Housing, Add-on Real Estate, Fang Liuliu, Qijia Real Estate, etc.). An Real Estate and Zhongyu Real Estate) have launched the service commitment of "0 charge for mortgages and no bundling of transactions", that is, a one-time commission fee is charged during the housing transaction process, and no mortgage service fee is charged.
Zhang Kashi said that this move is conducive to creating a safe consumption environment and promoting fair consumption.
Industry insiders remind that when both buyers and sellers sign a contract, they need to carefully read through every clause in the contract and related supplementary agreements, including details of charges and liability for breach of contract, in order to protect their own rights and interests as much as possible.