在纽约买房的交易费用和手续费

Nov 4

Written By Luo Yuntong

在纽约市购房，除了本身的房价以外，很多买家和投资人并不知道他们还需要准备一部份额外的购房交易费用。今天这篇文章就跟大家分享在纽约买房需要的费用，让买家们和投资人们有心理上和财务上的准备。

1. 产权公寓和非产权公寓：作为买家，我需要准备多少的购房手续费？

若是购买非产权公寓（coop），买家一般需要准备房价的1-2%额外手续费，如果房价高于100万美金，则需要2-3%。而产权公寓（condo）买家一般需要准备2-4%，若是购买新楼盘，手续费则可能会更高一些，有的会超过房价的5%。

2. 为什么产权公寓的手续费更高呢？

因为购买产权公寓，您如果是贷款购买的话，需要支付一部分的房贷登记税并且购买产权保险。但如果您购买的是非产权公寓（coop），则一般不需要这两部分的费用。

3. 我需要准备哪些购房交易费用呢？

-律师费（产权和非产权公寓都需要）：律师费用一般在$1500-4000之间，选择好的律师，跟多方及时保持沟通并仔细做好律师的尽职调查，在您购房过程中至关重要。如果您需要贷款，你可能还需要支付贷款银行大约$1000的律师费用。

-豪宅税（产权公寓和非产权公寓都需要）：在纽约，超过$100万的房子都需要缴纳1%以上的豪宅税，豪宅税率根据房价递增，最高的豪宅税是3.9%，适用于$2500万或以上的豪宅

-产权保险费（产权公寓）：如果您是购买产权公寓，那么您需要购买产权保险，价格一般是房价的0.45%。产权保险费用不便宜，但是这个费用是必需的，因为产权保险确保买家和您的贷款银行买的是产权清晰的房产。例如，有的房产有未付清的地税或者产权不清晰等问题。虽然产权保险不便宜，但是能够保障买家和贷款银行的利益，若不购买产权保险，很多银行也不会愿意贷款给您。

-房贷登记税（产权公寓）：若贷款额在$50万美金一下，买家要支付的产权登记税为贷款金额的1.8%；若贷款金额在$50万以上，买家则需要支付贷款金额的1.925%。举个例子来说，如果您购买曼哈顿$200万美金的房子，首付20%，您则需要支付贷款金额$160万美金1.925%的房贷登记费，大约是$3.08万美金

-倒卖税（非产权公寓）：这项费用只适用于购买纽约市的非产权公寓，这部分费用是支付给非产权公寓的大楼，而非给政府，所以实质上并不是一项税务，也不能抵税。费用多少，每个非产权大楼不一样，一般会呈现在合同里

-一系列杂费（产权和非产权公寓）：还有一系列的杂费，例如：贷款申请费用、银行估价费用、购买申请费用、搬家押金、管理公司费用等，但这些都是一些小额度费用

-纽约州和纽约市房产交易税（只适用于新楼盘）：这项费用只有您购买新楼盘才需要缴纳。根据市场需求和开发商实力，这部分的费用有的时候可以协商。$50万美金或以下的房产，纽约市地产交易税是房价的1%，$50万以上的房产，市地产交易税则在1.425%。此外，纽约州还会征收房价的0.40%的地产交易税，超过$300万的房产，州地产交易税则上升为房价的0.65%。有的新楼盘会承担买家的部分或全部地产交易税
接下来我们就以一个纽约$200万，首付20%的房产为例，为大家做一个简单购房交易费用的计算

非产权公寓购房交易费用（coop）：

律师费 — $3,000
纽约豪宅税 — $25,000
产权保险费用 — $0
贷款银行律师费 — $1,500
贷款登记费 — $0
其他购房交易杂费 — $4,000
纽约州地产交易税— $0
纽约市地产交易税 — $0
卖家律师费— $0
总计 — $33,500

产权公寓（condo）购房交易费用：

律师费 — $3,000
纽约市豪宅税 — $25,000
产权保险费 — $9,000
银行律师费 — $1,500
房贷登记税 — $30,800
其他交易杂费 — $4,000
纽约州地产交易税 — $0
纽约市地产交易税 — $0
卖方律师费 — $0
总计 — $73,300

具体购房交易费用也是根据每个楼具体分析，如有需要，请联系纽约高端顶尖地产团队Apple Luo. 微信：tongapple 电话：9173259241

How much is the closing fee when buy a home in NYC?

When buying in NYC, many buyers and investors don’t realized that there are some closing cost they need to put aside in addition to the purchase price of a home. In this article I will break down the estimated cost when you are buying your dream home so that you can be prepared mentally and financially.

1. Condo and Coop: How much should I expect for the closing cost?

If you are buying a coop, usually you should expect a closing cost of 1-2% of the purchase price. If the home price is over $1 million, you should expect a closing cost of 2-3%. As of condos, buyers should prepare an additional 2-4% as their closing cost. If you are buying a new development condo, you should expect a higher cost, some can be more than 5%.

2. Why is condo’s closing cost higher?

When buying a condo, you need to buy a title insurance and if you are buying with mortgage, you need to pay a fee called mortgage recording tax.

3. What are the closing cost exactly?

- Attorney fee (Condo and coop): Usually it’s between $1,500-$4,000. It’s very important that you choose a professional and reliable attorney. Good attorney should have great and timely communication with all the parties when you are buying a home. If you are buying with mortgage, you may also need to pay bank’s attorney fee around $1,000.

- Mansion Tax (Condo and coop): In NYC, home over $1 million needs to pay 1% mansion tax. The tax rate goes up when the home price goes up, the highest tax rate is 3.9% which applies to homes that are over $25 millions or more.

- Title insurance fee (condo): If you are buying condo, you need to buy title insurance. It’s usually 0.45% of your home price. Title insurance is not cheap but it’s necessary because it insures the home that you are buying with a clear title. For example, some home has unpaid taxes or liens against it and you could be buying a liability. While expensive, a mortgage company probably won’t lend you money without it.

- Mortgage recording tax (Condo): The mortgage recording tax requires buyers to pay 1.8% of the montage amount under $500,000 and 1.925% of the mortgage amount above $500,000. For example, If you are buying a home in NYC at the price of $1 million with 20% down payment, you need to pay your mortgage recording tax which is 1.925% of your mortgage amount ($800,000), around $15,400.

- Flip Tax(coop): This fee only applies to coops and it’s paid to the coop itself not the government so technically, it’s not a tax so it’s not tax deductible. And the exact amount varies among coops. It usually shows in the contract.

-Other Fees (condo and coop): There are some other fees when buying a home. For example: mortgage fee, appraisal fee, purchase application fee, move-in deposit and other fees paid to the management company. For the mortgage fee, it can be negotiable with your loan officer so don’t hesitate to ask and negotiate.

- New York State & NYC Transfer Taxes (New Development Condos Only): This fee only applies to new development. Sometimes these fees can be negotiable and it depends on the strength of the real estate market and demand of the unit. Some of the developers paid all the state and city taxes for my buyer and some paid half of the taxes. It’s always negotiable and all you need to do is to ask. If you don’t, you never know. The New York City Real Property Transfer Tax is 1% of the price if the home price is $500,000 or less, and 1.425% if it is more. In addition, there is NY State transfer tax. You’ll be charged 0.40% of the purchase price or 0.65% if the home price is over $3 millions.

Now I am using an example of a home of $2 million purchase price with 20% down payment to calculate an approximate closing cost.

Coop closing cost: