Where did Zhuhai Hongqi second-hand house go through the formalities?

The second set of house transfer procedures should be handled in the housing transaction center of the municipal administrative hall, and both parties need to produce valid certificates such as ID card, real estate license, marriage certificate and household registration book.

The loan term shall not exceed 30 years, and the sum of the loan term and the borrower's age shall not exceed 65 years.

Second-hand housing transaction process:

1, listed public housing information;

2. Check the shell;

3. Confirm the online signing contract;

4. Fund supervision;

5. Pay taxes and maintenance funds;

6. Acceptance and review;

7. Record the property list;

8, issued the "confirmation of urban housing transactions and property rights";

9. The real estate transaction management department uploads the real estate transaction information to the information sharing platform of the municipal digital office in real time;

10. After the real estate registration agency completes the registration, it will transmit the registration information to the information sharing platform of the municipal digital office in real time according to the transaction confirmation information pushed by the housing management department;

1 1. The house transaction department records the registration information in the property right list.

Official invoices will be issued for all charges in second-hand housing transactions. The specific types are:

1, transaction fee, 6 yuan for residence/㎡, 8 yuan for other purposes/㎡;

2. The housing appraisal fee is 0.5% of the property value;

3. Housing registration fee, residential 80 yuan/case, other 550 yuan/case;

4, housing special maintenance fund;

The cost of mixed structure is 990 yuan/㎡× construction area× 5%;

Frame structure cost 1 150 yuan/㎡× construction area× 5%;

5, real estate deed tax, local taxation bureau.

If the housing area purchased for the first time is less than 90㎡, it will be levied at 1% of the property value (inquire at the file window of the Housing Authority and issue a certificate of no room);

The housing area purchased for the first time is about 90㎡ less than 144㎡, and it will be levied at 1.5% of the property value (check in the archives window of the Housing Authority and issue a certificate of no room);

If the construction area of the second house or the first house exceeds 144㎡, the non-residential house will be levied at 3% of the property value.

6. Business tax shall be collected by the Municipal Local Taxation Bureau.

Ordinary houses with real estate licenses issued for more than two years are exempt from 5.65% business tax; (Ordinary houses refer to houses with an area below144m2);

If the real estate license is issued for less than two years, the business tax of 5.65% of the real estate value will be levied;

7. Individual income tax is collected by the Municipal Local Taxation Bureau.

If the real estate license has been issued for more than five years and it is the only living room for the family, the personal income tax of 1% shall be exempted with the certificate of the real estate department.

In addition to the above, other taxes may be encountered in housing transactions.

Matters needing attention in second-hand housing transaction:

1. Is the property right clear?

First of all, it depends on whether the property right of the house is clear. Some houses have multiple owners, such as heirs, families and couples. To this end, the buyer should sign a house sales contract with all owners. If only some * * * people dispose of the property owned by * * without authorization, the sales contract signed by the buyer with other * * * people is generally invalid.

2. Is the house complete?

The real estate license is the only proof that the owner owns the house. There is a great risk for the buyer not to get the house if he conducts the house transaction without the real estate license. The owner can mortgage or resell the real estate license, even if it is not obtained in the future, the owner can mortgage and resell it. Therefore, it is best to choose a house with real estate license for trading.

3. Is the trading room rented?

Some second-hand houses have a material burden when they are transferred, that is, they are also rented by others. If buyers only look at the property ownership certificate and pay attention to the transfer procedures, but not whether there is a lease, then it is very likely that buyers will get a property that cannot be moved in or used in time. Because China, including most countries, recognizes that "buying and selling does not break the lease", that is to say, the housing sales contract cannot compete with the previously established lease contract. This point is ignored by many buyers and intermediary companies in practice, and is also used by many sellers, which leads to more disputes.

4. Welfare housing distribution is legal.

Housing reform, housing projects and affordable housing are all welfare housing policies, which will be subject to certain restrictions when they are transferred. Moreover, these houses have certain national regulations on the nature of land and the scope of housing ownership, and buyers should avoid conflicts between sales contracts and national laws when purchasing.

5. Is the property management fee in arrears?

Some owners have long been in arrears in property management fees, electricity fees and three gas (natural gas, heating and gas) fees when they transfer their ownership, and have already owed a lot of fees. The buyer bought the house without knowing it, and the buyer may have to bear all the expenses.

6. Does the municipal planning have an impact?

Some homeowners may be eager to sell their second-hand houses because they know that their houses will be demolished in about 5 to 10 years, or that high-rise houses will be built near their houses, which may affect the municipal planning conditions such as lighting and price. As a buyer, you should fully understand the details when buying. I used to work in real estate, so I know more about the stakes.

7, whether the unit housing infringement.

The housing of general units includes cost employee housing and standard employee housing. The nature of the two plots of land is allocated, and the land use fee should be paid when transferring. Furthermore, for the standard-priced housing, the general unit enjoys part of the property rights, and the unit enjoys the preemptive right when the employees transfer their ownership. If the buyer does not pay attention to these, it may infringe upon the legitimate rights and interests of the unit together with the owner.

8. Is the contract clear?

Although the second-hand housing sales contract does not need to be as comprehensive as the commercial housing sales contract, it should also clearly stipulate some details, such as contract subject, rights protection, housing price, transaction mode, liability for breach of contract, dispute settlement, signing date and so on.