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从1999年1月1日开始,逐渐停止和取消已经实行了几十年的住房实物和福利分配制度,转变为实行住房分配货币化,建立和发放住房货币补贴,个人通过购买或租赁的方式解决住房问题。因而,近几年来个人购买商品住宅的比例不断上升,在房地产市场中占有重要地位。现阶段,个人基本上是通过贷款的方式购买商品住宅。但在整个买房过程中,除房屋价款以外,相关“杂费”繁多,包括契税、买卖手续费、印花税、维修基金、登记费及其他各项杂费;此外,办理个人住房贷款费用还包括评估费、律师费、保险费和抵押登记
From January 1, 1999, the system of phasing out and allocating housing benefits and benefits, which has been in operation for decades, has been gradually phased out and canceled. It has been transformed into the implementation of monetization of housing distribution, the establishment and payment of housing monetary subsidies, and the settlement by individuals through purchase or lease housing issue. Therefore, in recent years, the proportion of individuals buying commercial housing continues to rise, occupying an important position in the real estate market. At this stage, individuals basically buy commercial housing through loans. However, in the process of buying a house, apart from the price of housing, the related “miscellaneous fees” are numerous, including deed tax, purchase and sale fees, stamp duty, maintenance fund, registration fee and other miscellaneous fees. In addition, the fee for personal housing loan includes assessment fee, Attorney’s fees, insurance and mortgage registration