What are the taxes and fees generated by housing transfer?

Second-hand housing transfer mainly produces deed tax, personal income tax, value-added tax and stamp duty, and stamp duty can be ignored. The deed tax includes the first suite of 90 square meters and below 1%, the second suite of 90 square meters and below 1.5%, the second suite of 90 square meters and below 2%, and the third suite and above 3% regardless of area. The second-hand house has been used for five years and is the only house in the family, which is exempt from personal income tax. The value-added tax rate is 5.6%, and the value-added tax is exempted for two years.

The process of buying a house with a second-hand house loan

1, check the house and sign the purchase contract.

The first step in buying a second-hand house with a loan is of course to choose a house. Since it is a house, it is natural to look at the house and choose a house. Now that the house has been chosen, the next step is for buyers and sellers to negotiate the price. Once settled, you can sign a house purchase contract, and then go through the loan process.

2. Apply for a second-hand housing loan

Note that when the bank handles the second-hand housing loan, both the buyer and the seller should be present, and both parties should bring all the information. Take personal information with you when buying a house. When selling a house, you should also bring relevant real estate information. After filling in the second-hand housing loan application form, the bank will contact the designated real estate appraisal agency to inspect and evaluate the house.

3. Assessment agencies

You don't need to make an appointment in advance to go to the appraisal agency designated by the location of the house, and you can issue an appraisal report in about three working days. Of course, the specific prescription has to be consulted by the appraisal office. Note that when conducting institutional evaluation, it also involves a kind of cost, that is, the evaluation fee, which is generally paid by the buyers.

4. Bank audit

After submitting the loan application and evaluating the house, you can submit the relevant information to the bank and wait for the bank's review. Generally speaking, the bank calculates the loan amount according to the evaluation value of the evaluation agency. Of course, the premise is that banks must review the qualifications of loans and meet the conditions before they can pass.

5. Transfer and transfer of property

After the bank audit, the buyer needs to pay the down payment to the seller. The next process is the handover and transfer of property. Generally, the property is handed over first, and then the transfer is made. On the day of transfer, the buyer and the seller can go to the real estate exchange and the bank staff to handle the transfer of property rights with the down payment certificate, the bank's mortgage application review commitment and other materials. Generally speaking, the transfer can be completed on the day of transfer, and the real estate title certificate can be obtained in about half a month.

6. Bank loans

After getting the title certificate, you can go to the bank to mortgage the property. The bank will lend the money to the designated account, usually directly to the seller's account, and repay the mortgage on a monthly basis according to the contract. There may be insurance premium or handling fee in the process of handling property right certificate, and different banks will be different.