Costs of Selling a Home / 出售您的房屋需要花多少錢?

中文

49 CABRILLO TERRACE, ALISO VIEJO
49 Cabrillo Terrace, Aliso Viejo. Offered at $958,000.

What’s the price of selling your home? As a seller, you’re bound to face a parade of taxes, fees, commissions and miscellaneous closing costs that can whittle away up to 4 to 7 percent of your home’s sale price.

So, how do you know what net profit you’ll walk away with? Once you receive an offer, or maybe even when you sign your listing agreement, your real estate agent should give you a Seller’s Estimated Net Proceeds worksheet, which will list the expenses that will be deducted when you close.

Costs vary from state to state, but in general these are some of the closing fees you may encounter:

  • Mortgage payoff balance. Deductions from the sale price include your own home loan, second mortgages and home-equity lines of credit.
  • Loan payoff fee. Some lenders may charge you an administrative fee to pay off your loan.
  • Lien releases. If you owe money to a contractor or for court judgments or property taxes, a lien may have been placed on your property. You must pay those liens before the sale can close.
  • Prepayment penalty. Find out from your lender if there’s a penalty for paying off your loan early.
  • Recording fees. If you owe money on the property, you need to pay this fee to show that your debts have been fully paid.
  • Commissions for listing and selling agentsThis is the price you pay to the agents for making the sale of your house. Usually the fee is 6 percent, with half going to your agent’s brokerage and the rest going to the buyer’s agent’s brokerage. The agents get paid by their respective brokerages.
  • Notary fees. Fee charged by a notary to verify your identity and to make sure the documents are executed properly.
  • Escrow fees. The escrow company is the intermediary between you and the buyer, ensuring that the money is handled properly. Escrow agents receive money from the lender, pay off your mortgage and closing costs, collect deposits and give the proceeds to the lender. You may be able to split these costs with the buyer.
  • Title search fees. Title insurance is not insurance per se but says that you have the legal right to sell your home. Title companies search public records to come up with a title insurance commitment. That commitment says you own the home, and it details anything else that may affect the title, such as mortgages, liens, easements, restrictions and home owner association declarations.
  • Seller concession. A seller concession helps buyers pay their closing costs. If the buyer asks you for a concession of, for example, 3 percent, that amount will be added to your agreed-upon home price, and you will give back that 3 percent to the buyer to pay for closing costs.
  • Repairs. You may be required to pay for repairs, either by negotiation with the buyer or by a condition of the lender.
  • Home warranty. Sometimes a seller will agree to foot the bill for a home warranty that offers a protection plan for the buyer’s first year in the home.
  • Termite letter. This document is required in certain parts of the country.

There may be other costs associated with selling your home, so speak with your Realtor about them early on. You don’t want to be surprised at closing.

49 Cabrillo Terrace, Aliso Viejo. Offered at $958,000.
49 Cabrillo Terrace, Aliso Viejo. Offered at $958,000.

賣房所需開銷

出售您的房屋需要花多少錢?賣家需要支付的費用包括稅金、房仲佣金、和林林總總的交易費用,大約佔賣價的4~7%左右。

那麼,要如何知道您賣房的淨賺為多少呢?當您收到買家的出價,或是簽訂賣房合約時,您的房仲應該提供給您一份賣房預估淨額款項表格,其中詳列各項所需開支與預估費用。

每州規定的賣屋開銷與價格不盡相同,一般來說賣主所需支付的費用包括:
​房貸抵押付清:售價請先扣除您自己的房屋貸款,抵押貸款和信貸,這些費用在房屋成交後需先付清。

  • 房貸抵押付清:售價請先扣除您自己的房屋貸款,抵押貸款和信貸,這些費用在房屋成交後需先付清。
  • 貸款支付費用:有些房貸公司會收取支付貸款處理費用。
  • 債務留置費用:如果您有裝修承包商、上訴案件法院判決或地產稅的債務,您的房屋可能有留置權,您必須將債務付清房屋才可成交。
  • 提前還款違約金:詢問您的房貸公司如提早還清房貸是否有額外違約費用。
  • 紀錄費用:如果您的房屋有任何債務,即需要支付紀錄費用,以證明你的債務已經全部支付。
  • 買賣雙方房仲佣金:這是您支付給房仲幫您售屋的費用,一般來說佣金為售價的6%,一半是給賣主房仲的公司,一半是給買主房仲的公司,房仲的公司會各自支付旗下房仲所得薪水。
  • 公證費:專業公證人員驗證您的身份並確保文件正確執行的費用。
  • 託管費:託管公司是您和買家之間的中間人,確保妥善處理房屋買賣資金,託管代理人可處理貸款資金,付清抵押貸款和交易費用,收取頭期款和支付房貸費用,您可與買方共同支付託管費用。
  • 產權所有查冊費:產權保險證明您有出售房屋的合法權利,產權公司會查證公共記錄提出產權保險資料,​證明您擁有此棟房屋,並詳細列出其他任何可能影響產權的限制,如抵押權,留置權,地役權,和屋主協會聲明等等。
  • 賣家協助買家交易費用:賣家可協助買家支付交易費用,如果買方要求您幫助支付交易費用,例如3%,款項將被添加到您的售價中,房屋成交時您會將3%還給買家來支付交易費用。
  • 房屋修理費:透過買方的要求,或是貸款公司的規定,您可能需要支付房屋維修費用。
  • 房屋保險:買方可能會要求提供房屋成交後第一年的房屋保險。
  • 白蟻檢驗:某些州要求賣主房屋一定要通過白蟻檢驗房屋才可成交。
儘早與您的房仲溝通,清楚了賣家所需開銷,才不會到房屋成交時才嚇一跳原來有這些開銷。
Eileen & Angie Tien
Orange County and Los Angeles Real Estate Realtors
田艾茹 & 田艾君
美國加州橙縣與洛杉磯地區房地產專業經紀仲介
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