有关买房过户的费用，有两笔不太明白什么意思，请明白人帮解释下

g9li

买房子的贷款刚做好，看到合同上有一些费用，有一些不太明白的，请明白人帮解释下：
Discharge Registration Fee-VIC $105
Mortgage Registration Fee $105，据Broker说，前面的$105是地契注销费，后面的$105是买家（我）的地契注册费。但是我个人理解，前面的那一笔是不是应该卖家出啊？而且从我的Conveyancer处得到的清单上，也确实没有前面的那一笔。
然后，在Conveyancer的清单上，还有一个Adjustment of Rates $1500, 这项费用是什么意思？
最后，今天去为贷款开户的时候，银行员工强烈建议我购买房屋保险，而且声称不购买的话，有影响过户的风险，想问下有没有这方面经验的朋友，讲解下？

lifeinsydney

Discharge Registration Fee: 这个费用是卖家出的。他卖房子后需要到政府把贷款记录注销，这是他该交的费用，跟你无关，所以你一分钱也不该付。
Mortgage Registration Fee：如果你买这个房子有贷款，就是必须交给政府的贷款登记费。
Adjustment of Rate: 是你买这个房子提前要交给政府的council fee，律师帮你算好。
另外如果你买的是house并有房屋贷款一般必须要在成交前买好房屋保险，不然银行可能会拒绝成交。

Jasper_Mel

Adjustment of Rates $1500这个应该是council rates 和 water rates的adjustment 根据你和房东的交割时间 你要付你应付的那部分 具体的问你的律师或过户师 他们会告诉你的

janice_xq

学习了。

rebeccamy222

mark

tina50

先学习一下

玟雨

Discharge Registration Fee 好像我们当时买的时候付了。。。broker还说该买方付啊。。。。。。。。。

civ

围观..

newaussie

$105 discharge registeration fee,  vendor should pay for it but the bank does not have the relationship with the vendor and the bank will be the final entity to register the mortgage thus the bank will charge you the money on government's behalf.  your solicitor/conveyancer should make the adjustment on the balance sheet. eg. you suppose to pay vendor $100k, becuase of $105 then you will only pay vendor $100k-$105=$99,895
$105 mortgage registeration fee,  you are accountable for it because government charge the mortgage registeration fee.
$1500 adjustment fee,  it might be the adjustment of the council rate, water rate, strata levies etc.  some vendor pay the rate quarterly or annualy. for example, vendor pay $1000 full year council rate for the period of 01/07/12 to 30/06/13,  during that period vendor sold property to buyer and settled on 31/12/2012.  in this case, the council rate notice needs to be adjusted, you will be responsible for the council rate from 01/01/2013 to 30/06/2013, which will be $500

weiya

不错不错！