Do you need a contract fee to buy your own home?Breakdown and standard of initial costs for buying a house

Do you need a contract fee for your home?

When purchasing your own home, you will have a contract for real estate sales and construction work.At this time, it is necessary to be careful in advance, as the cost with the property of the contract will be incurred.

Initial cost of my home

When purchasing a house, various expenses will be incurred with the purchase price of the property.Of these, the cost incurred at the contract stage is called "initial cost", and it is important to pay attention to the fact that you must pay before the mortgage loan comes down.

Initial costs for housing include "application certificate", "deposit", and "down payment".Of these, down payment is an arbitrary fund to prepare at the time of purchase, and does not necessarily have to be prepared.

However, application margin and deposit are the funds required in most cases.Therefore, when purchasing your home, you basically need a certain amount of cash.

What is my home contract?

It can be said that "contract money" in your own home often refers to application margin and deposit.Both are the funds required for applying and contracting, and have the same properties as the contract money in general contracts.

From now on, let's take a closer look at each mechanism and costs.

Estimated use of application margin mechanism and cost

Application margin is also called "application fund" or "purchase margin", which refers to the cost of paying to clarify the intention of purchasing.

Since the purpose is to show the intention of purchasing, the estimated amount is relatively small, about 100,000 yen, and some real estate companies do not take the application for proceedings.

Also, paying the application margin does not necessarily mean you have to buy the property.

Since the application margin itself is not legally binding, it is a mechanism that is properly returned even if canceled because other good properties were found.

Estimated deposit mechanism and cost

The mechanism is a bit complicated because it has a more important role in the deposit than the application margin.Here, we will explain in detail the deposit mechanism and costs.

What is a deposit?

The deposit is the money paid when a sales contract is concluded, and the purpose is to stabilize legal relationships and ensure reliability.Especially in real estate trading, a large amount of money moves, so the damage when the contract is returned to a blank paper later increases.

Therefore, the deposit is legal binding, unlike the application margin, and is in principle needed.

Mechanism and role of the deposit

There are several types of deposits, but in real estate trading, it is estimated that it is "canceled" unless there is a special rule.Cancellation has two roles.

One of them is, as mentioned above, "giving the content of the contract gives reliability."If you set the cancellation, if you make a mistake such as canceling the purchase from the buyer, the deposit will be confiscated as it is.

Conversely, if the seller is unilaterally canceled, the buyer must return the doubling the deposit.In this way, by establishing a great disadvantage for both sides, it is a mechanism that can prevent contracts.

Another role is to leave room for cancellation without trouble.If you set the cancellation, if you turn it over, you will be able to cancel the contract smoothly if you give up the deposit.

In other words, for buyers who are unfamiliar with real estate buying and selling, there is also the meaning as a kind of relief measure.

Market market price

As we have seen so far, the deposit has an important role, so it takes a certain amount of money to make it effective.

If the seller is a real estate company, it is "within 20 % of the trading price" if the seller is a real estate company, but the price is usually about 5-10 %.

What happens to the deposit paid?

If the contract is canceled, the deposit will be confiscated as described above, so you will not return to your hand.On the other hand, if the contract proceeds safely, it will return properly.

However, it is generally used for the remaining money of the purchase price as it is in terms of smooth payments because it is a large amount.

In principle, cash payment!What should I do when I can't prepare it?

Among your home contract money, deposits are in principle the cost of incurred, and the amount is larger.Therefore, in some cases, you may not be able to prepare immediately.

However, there is no special rule about the lower limit, so you can negotiate a reduction with the seller.If the buyer's intention is high and it is determined to be reliable, the ratio of the deposit may be reduced depending on the negotiations.

However, it is important to avoid significant reductions and negotiate carefully because it is an important role.Just because you can't pay a deposit, you should avoid borrowing a new card loan.

This is because there are cases where the mortgage loan screening can be a negative factor.

In the mortgage review, the applicant's other loan usage status is also checked in detail, so even if you pass the preliminary examination, you may not be able to recognize the loan.

After all, how much money do you need to buy your own home?

There are a variety of expenses required for purchasing your own home besides contracting money such as application proceedings and deposits.Here, let's take a look at the breakdown and guideline of the costs required for housing purchase.

Breakdown of various expenses required for purchasing my home

The costs required for purchasing your own home can be broadly divided into "costs for purchasing land and buildings" and "costs for mortgage loans".

Each has the following items, so let's check it together with the guideline for the cost.

◇土地・建物の購入にかかる費用

◇住宅ローン利用にかかる費用

諸Estimated cost

Since there are many items for various expenses, it is a good idea to understand the rough guide before calculating the specific amount.The ratio of various expenses varies as follows depending on the type of house to be purchased.

諸Estimated cost

Newly built detached house

Used detached house: 6-9 % of the property price

Let's calculate the down payment and various expenses

For various expenses, you need to pay most of them in cash, just like the contract.

Although it can be borrowed as a "expense loan", interest rates tend to be higher than mortgages, and fees are generally charged.

Therefore, it is important to calculate how much self -funds should be prepared in advance with the down payment.

自己資金はいくら必要？ 3,000万円の建売住宅でシミュレーション

Here, let's simulate in the case of purchasing "30 million yen built -in housing" as a specific example.

First of all, since the costs are 6-9 % of the property price, you can estimate about 1.8 million to 2.7 million yen.Next, the down payment is often set at 3 to 6 million yen, which is 10 to 20 %, because it is often prepared for about 10 to 20 % of the house purchase fund.

Then, it can be calculated that a total of "about 480 to 8.7 million yen" is required.

In addition, it is necessary to keep moving costs, furniture and home appliances purchase costs, and running costs for at least six months as running costs after moving in.Therefore, it is important to plan the funds in advance and set a specific savings target.

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