A new home costs – Vancouver Real Estate Knowledge
买房屋的费用 – 溫哥華房地產知識

If you the 1st time home buyer, do not only look at the listing price. There are a lots fees that associated with a new home:

• Mortgage Fee: if you are planning to have a mortgage with bank institutions – they will charge you this fee.
• Mortgage broker fee: If you are not dealing with a bank directly, instead of mortgage broker; this would be a cost as well.
• Legal Fee: you need a lawyer to help you on transferring the title and register a mortgage, that will cost you about $800-1200.
• Appraisal Fee: most buyers think this part should count on bank’s shoulder, NO, it is on you. usually, cost you $200-300
• Deposit: part of the downpayment cost
• Home inspection: if you are buying a house, highly recommend to do a home inspection; for new condos, NO.
• Property Tax and Utility: You need to pay on adjustment day
• Interest Adjustment: Bank will collect this from you.
• Insurance: The bank required all borrowers to buy insurance to cover the damages on the property.
• Moving cost: $100-250; some strata management company will charge you $100 for moving in.
• Form B and F fee: only if you are buying a strata property; condo/townhouse
• New furniture: this is up to you

Bills, bills and bills, yes, there are a lots things for you to consider when you are buying a new home. If you plan to put $80,000 as your down payment, please considerate above costs as well; after you paid all the costs, you might only have $68,000 – 72,000 for the downpayment.

If you have any questions about buying a new home in Vancouver area, feel free to contact us; we are your real estate 7/11.

溫哥華買房網 – 買房賣房須知

如果你是第一次购房者，不要只看上市价格。有一个与新家有关的许多费用：

• 房屋贷款/按揭费用：任何银行都一定会收取房屋贷款费用
• 按揭经纪人费用：如果您不直接和银行直接打交道，而是选择按揭代理; 他们也会收取服务费用。
• 法律费用：您需要一位律师帮助您产权登记/过户；并注册抵押贷款，这将花费大约800-1200美元； 加上其他杂项费用。
• 物业评估费用：大多数买家认为这部分费用应该银行给，其实不然，买家给； 不过不用你拿钱出来， 银行在你户口或贷款里面加上这个费用
• 首付：首付费用
• 房屋检查：如果你买独立屋，一定要做; 如果新的公寓， 一般没有什么问题。
• 物业税：给政府
• 利息调整：不是每个房屋交易都是某年某月的一号； 如果你买卖在某月的10号； 那银行就会从收取你10号到月底的利息， 其他再按签订利率计算。
• 保险：银行要求所有的借款人购买房屋保险。
• 搬迁费用：100-250; 某些物业公司还会收取你￥100-200 搬迁费。
• 表格B和F的费用：只有当你购买地层物业;公寓/联排别墅 时产生
• 新家具：便宜又便宜买， 贵有贵买， 看自己能承担能力。

钱， 钱，钱，钱， 钱，什么都是钱， 什么都要钱，买新屋， 还有有很多事情要考虑在内。如果您打算给80,000作为首期，将以上成本考虑进去; 您可能只有68,000 – 72,000左右做首期。

如果您有任何关于在温哥华地区购买新房的问题，请随时与我们联系;我们是您的房地产7/11。

如果想瞭解更多有關溫哥華房屋和房價， 呢度有答案。