I want to ask, I have taken a fancy to a second-hand house now. At the beginning, the owner made a one-time payment and had a personal property certificate, which should be a house of 0 1 year.

Evaluation is to estimate the value of this house. The price you negotiated with the owner is confirmed by both parties, but the bank must evaluate the market value of this suite through a third-party evaluation agency. In other words, a qualified appraisal unit is needed to appraise the value of this suite. Generally speaking, this appraisal is lower than the price you negotiated with the owner.

The loan that the bank can provide you is calculated in proportion to the assessed price. For example, the negotiation price between you and the owner is 350,000, and the evaluation price is 300,000. You said that you want to pay a down payment of 1.5 million, so you need to borrow 35- 1.5 = 0.2 million from the bank. For banks, your down payment is only 30-20 = 1 10,000, and the down payment ratio is 1/30 = 33%.

Now the bank has increased the down payment ratio of personal loans, which should be above 30%, and this "30%" is 30% of the evaluation price.

I wonder if this assessment is clear ~ ~ ~

Second, about the second-hand housing scheme:

The buyer and the seller reach a consensus through consultation and sign a house purchase agreement-paying down payment, mortgage loan, business tax, deed tax, personal income tax, house transfer formalities, handing in keys, and handling property delivery (water, electricity, cable TV fees, property fees, etc.). ) and obtain the real estate license.

Three. About the expenses during the transaction:

1, agency fee

Generally, it is 3% of the house price (this is the transaction price, not the evaluation price).

2. Business tax

If the real estate license is less than five years old and the area exceeds 144, pay 5.5% of the total house price;

If the real estate license is less than five years old and the area is below 144, 5.5% of the difference will be paid;

5.5% of the real estate transaction profit shall be paid if the real estate license is more than 5 years and the area is more than 144;

The real estate license is 5 years, and the area below 144 is not required.

You shouldn't hand it in.

3. Deed tax

Beijing's policy: the area below 144 square meters needs to pay 65438+ 0.5% of the house price; If the area exceeds 144 square meters, 3% of the house price shall be paid; For the first suite, the purchase area is below 90 square meters, and the house price is below the average city price, only 1% is required.

Look at the requirements of your city. Some provinces require a maximum of 4%.

4. Personal income tax

Without business tax, you don't have to pay personal income tax.

Four. Name of real estate license

If you are not married, you can't write two names. The housing management office does not issue such real estate licenses. * * * If there is a real estate, it must be a family member. If you don't want to get married, I also want to show that it is * * * and property. It is recommended to do notarization after completing the real estate license to prove that this suite is shared by both parties.