Quanto custa o fechamento de imóveis?

Os custos de fechamento são uma despesa adicional que tanto um comprador quanto um vendedor ocorrem durante uma transação de compra e venda. Os custos de fechamento em Nova York podem incluir 1-8% do valor da compra.

As despesas do comprador incluem taxas legais e de registro, bem como impostos federais, estaduais e municipais. Estes custos devem ser cobertos antes ou no fechamento e serão um acréscimo ao seu pagamento. Por favor inclua estes custos em preparação para a sua compra. Essas despesas são descritas em detalhes abaixo.

When buying a newly built condo (in NYC it is called “buying from a sponsor,”) you will pay: New York City real property transfer tax, which equals 1% for properties below $499,999 and 1.425% for properties above $499,999. Another tax payable to the state is New York state transfer tax, which is 0.4% of the sale price. Additionally, you will have to cover the seller's attorney fee which is usually $1,500-$2,500.

Title insurance is also requited to protect your ownership right from possible third party claims for the entire length of your ownership. It costs approximately $450 per $100,000 of the property price.

Se a sua propriedade custar mais de US $ 1,000,000, você pagará adicionalmente Imposto sobre Mansion de 1% do preço da propriedade.

Many buildings collect additional fees such as an application fee of $200 and up; a managing agent fee of $250-$500, and a move-in deposit of $500-$1500.

Você também terá que contratar um advogado para rever todos os documentos. Esse valor pode variar de aproximadamente $ 2,500 - $ 5,000, dependendo da complexidade da estrutura de compra e das despesas de gravação, a partir de $ 500.

If you are taking on a mortgage to buy your property, more cash is needed for closing. Mortgage loan origination fees or points range from 0.5% to 3% of value of the loan. Such mortgage-related expenses include a lien search of around $300 - $400, various bank fees (such as tax escrow, homeowners' insurance) of $400-$1200, mortgage title insurance which costs $200 per $100,000 of property value, and a mortgage tax of 1.8% of the mortgage loan for loans under $499,999 and 1.925% of mortgage loans above $499,999. Additionally, you will have to pay $500 and up for an appraisal, $30-$100 per applicant’s credit report, another $500 and up for the loan application. Additionally, there is usually a bank attorney fee of approximately $1000-$1500.