¿Cuánto cuesta el cierre de bienes raíces?

Los costos de cierre son un gasto adicional que ocurren tanto en el comprador como en el vendedor durante una transacción de compraventa. Los costos de cierre en Nueva York pueden comprender 1-8% del monto de la compra.

Los gastos del comprador incluyen tarifas legales y de registro, así como impuestos federales, estatales y municipales. Estos costos deben cubrirse antes o al cierre y serán un complemento de su pago inicial. Por favor, incluya estos costos en preparación para su compra. Estos gastos se describen en detalle a continuación.

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.

Si su propiedad cuesta más de $ 1,000,000, pagará adicionalmente un impuesto de mansión de 1% del precio de la propiedad.

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.

También deberá contratar a un abogado para que revise todos los documentos. Esta cantidad puede variar desde aproximadamente $ 2,500 - $ 5,000 dependiendo de la complejidad de la estructura de compra más los gastos de registro, comenzando en $ 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.