뉴욕 집 매매 Closing Cost 정리

Closing cost: 뉴욕 집 구입시 집 값과는 별도로 들어가는 비용.
(신축 건물인지 여부, Mortgage Amount, Purchasing Price, House type등의 이유로 비용이 광범위함).


신축 콘도를 구매 시 들어가는 closing cost를 요약해 보면 다음과 같음.

Buyer Attorney: $2,000+/- (신축 건물은 부동산 개발업자 측에서 그쪽의 변호사 비용도 요구함.)
Sponsor's Attorney Fee: $2,000+/-
Single Unit Transfer Taxes:
(신축이 아닌 건물의 매매 경우, 판매자가 부담.)

     NYC
          - 1% of the purchase price up to $500,000
          - 1.425% of the purchase price over $500,000

     NYS
          - 0.4% of purchase price

Multiple Unit Transfer Taxes: 2.625% of the purchase price over $500,000
Working Capital Contribution: 2 months of common charges
Common Charge: The 1st-month common charge
Resident Manager Unit(RMU): Proportion to the common interest of the purchased unit
Mansion Tax: 1% of the purchase price, where $1M or over
Contract change prior to closing: $1,500+/- sponsor attorney

 If buyer obtains financing(모기지론 신청할 경우)
 

Sponsor Attorney: $750 ( Sponsor Attorney to defray the additional costs associated in preparing for and coordinating the docs
Mortgage Associated Fees
Origination Cost(point): 0 ~ 3% value of loan
Application, Credit Check, etc: $500+/-
Appraisal: $400+/-
Bank Attorney: $500+/-
UCC-1 Filing: $50+/-
Mortgage Recording Tax
- 1.8% of the principal of the mortgage if less than $500K
- 1.925% of the principal of the mortgage if $500k or more

Sponsor mortgage tax credit (Optional):
(구매자에게 좋은 혜택이므로, 구매 시 판매자 측에 가능 여부를 물어보는게 좋음.)

The law allows a sponsor to recoup a portion of the mortgage taxes Sponsor paid on its construction loans in order to encourage development. So a portion of the mortgage tax the buy paid to the government is instead allowed to be paid to Sponsor.
 

Title Insurance, Title Search & Recording Fees: Approximately 0.5% of purchase price
Building Searches: $200 - $400
Recording Charge: $250 (ACRIS transfer documents)
Real Estate Tax Escrow: (2~6 months)
 

 

한줄 요약: 뉴욕에서 신축 콘도를 구입하는 경우, Closing Cost는 대략 구매가격의 4% 정도가 나온다고 생각하면 됨.