仲介手数料って何ナノ!不動産を購入するときには仲介手数料が必要
不動産仲介手数料とは
マイホームを探すときには、ネットや雑誌その他広告を見て自分で探していても最終的には不動産屋さんに頼むことになります。そのときに「仲介手数料」という費用が発生します。
仲介手数料は、高額になりますのではじめから予算に組んでおいたほうがいいでしょう。
仲介手数料は必要か
仲介とは
不動産会社が「売主」と「買主」の間に入り取引が無事に済むように仲介することにより費用が発生します。
購入のための相談料と物件の情報提供料、住宅ローンのご紹介、売主さんと買主さんの諸条件の折り合いをつけて、めでたく契約をすることです。
もう一つの大切な仕事は
物件の権利関係、法令に基づく制限、敷地と道路との関係、インフラの整備状況や物件に瑕疵がないかの調査です。
これが仲介の一番重要な部分です。これらを全部ひっくるめての仲介手数料となります。
但し契約にいたらなかった場合には、どれだけやってもらっても仲介手数料は支払わなくても良いのです。仲介手数料とは成功報酬なのです。
注意:宅地建物取引業の免許を持ってないものが仲介手数料を請求することはできません。
中介手数料はいくらかかるの
この仲介手数料の上限は法律で決められています。それより多くとってはいけませんよという金額です。
仲介手数料は不動産会社が自由に決められますが、上限いっぱいに設定して請求するのが一般的です。
仲介手数料の料率は3段階に分かれています。
契約金額のうちの200万円の部分までは5%
200万円から400万円までは4%
400万円を超える部分の金額は5%になります。
3,000万円の物件を購入した場合は。
最初の200万円が5%で10万円
次の200万円が4%で8万円
残りの2,600万円が3%で78万円
合計で96万円
これに消費税がプラスされます。
仲介手数料簡易計算
この計算を簡易計算すると購入価格の3%プラス6万円になります。
3,000万円×3%プラス6万円=96万円になります。これに消費税がプラスになります。
ご検討物件がありましたら、この計算式で仲介手数料の計算をしてみてください。仲介手数料の金額がわかります。
では、この仲介手数料はいつ支払うのでしょうか。
売買契約締結時に仲介手数料の50%
残りの50%を決済・引き渡しの時に支払います。
仲介手数料とは成功報酬ですので、契約の前に一部でも仲介手数料を支払う必要はありません。
仲介手数料早見表
3,000万円 1,036,800円
3,500万円 1,198,800円
4,000万円 1,360,800円
4,500万円 1,522,280円
5,000万円 1,684,800円
5,500万円 1,846,800円
6,000万円 2,008,800円
1,000万円ごとに324,000円増えていきます。仲介手数料はどのくらいかかるかの目安にしてください。
仲介手数料支払う前に確認
仲介手数料は思っていた以上に高いと感じられたことでしょう。業者さんによっては、仲介手数料以外に、諸々の書類代や住宅ローン費用などと請求される場合がありますからご注意ください。仲介手数料の支払い方法や時期についても事前に確認しておきましょう。
まとめ
仲介手数料の上限は決められております。(それ以上もらってはいけません)だが下限は決められておりません。
仲介手数料を半分にしても良いし、無料にしてもよいということです。仲介手数料はただ安ければ良いというものではありません。
宅建業者としての仕事をきちんとやってくれる不動産屋さんを選ぶこと、信頼できる営業マンに巡り会えることが成功のポイントです。
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