Property Buying Guide
STEP2
Financial planning
Your budget for your new home, your own funds, and loan borrowing,
Considering the repayment plan comprehensively,
We will make suggestions based on your needs.
Funds required for purchase
The total amount of funds required for purchase is the property price plus miscellaneous expenses.
Please refer to the diagram on the right.
What are miscellaneous expenses?
Registration Fee
Judicial scrivener fee: Fee to the judicial scrivener for the registration procedure. Registration license tax: Procedure for recording ownership of land and buildings in the registry of the Legal Affairs Bureau.
Registration Fee
Loan administration fee: A fee required when applying for a loan. Loan guarantee fee: A fee required in lieu of having a guarantor. *Varies depending on financial institution, loan period, etc.
Brokerage fee
<If the property price is over 4 million yen>
3% of the contract price + 60,000 yen (excluding consumption tax and local consumption tax)
tax
Stamp tax Stamp fee affixed to sales contracts and loan contracts Registration license tax When purchasing real estate (transfer of ownership)
When taking out a loan (registration of mortgage)
Real estate acquisition tax, fixed asset tax, and city planning tax will be settled in cash with the seller in the year of purchase.
Insurance premiums
fire insurance
Group credit life insurance premiums, etc.
others
引越し代
リフォーム代など
What is the purchase price?
First, we calculate the amount of your mortgage loan based on your repayment plan. Add your own funds to that amount, minus various expenses, and you will get the price at which you can purchase your new home.
Loan repayment plan proposal
We will ask you about the repayment amount you can afford, select from a variety of home loan options, such as fixed or variable interest rates, interest rates, and repayment periods, and propose a repayment plan that suits your needs.
By when is the fee required?
The following costs will be incurred from the conclusion of the sales contract to the handover of your home.
Point!
There are various tax reductions available for residential property, but they vary from year to year, so please ask staff at a Century 21 BS Home store for more information.