Post-transfer process of real estate with pure provident fund loan in Pudong New Area, Shanghai

What are the procedures for real estate transfer in Shanghai?

Property ownership transfer is a problem that many owners will encounter. What should I do about the transfer procedures of Shanghai real estate license? There are three transfer procedures of real estate license: inheritance, gift and sale. Shanghai real estate license transfer procedures Because these three types of procedures are different, the following small series will give you a detailed answer. Just take the purchase contract, purchase invoice, ID card, real estate license, land certificate, tax payment certificate, household registration book (temporary residence permit) and other documents to the Housing Authority for transfer.

1. The buyer and the seller establish information communication channels, and the buyer knows the overall situation and property rights of the house, and requires the seller to provide legal documents, including house ownership certificate, identity certificate and other documents.

2. If the house provided by the seller is legal and can be traded on the market, the buyer can pay the house purchase deposit (paying the house purchase deposit is not a necessary procedure for the sale of commercial housing), and the buyer and the seller sign a house sales contract (or a house sales contract). After the buyer and the seller reach an agreement on the location, property right, transaction price, delivery time, delivery method and property right disposal of the house through consultation, both parties shall sign at least three house sales contracts.

3. The buyer and the seller apply to the real estate transaction management department for review. After the buyer and the seller apply to the real estate management department, the management department shall examine the relevant documents, review the property rights, and grant the transfer procedures for the houses that meet the listing conditions. If there is no property right or some property rights without the written consent of other property rights, the application will be refused and the listing transaction will be prohibited.

Fourth, the deed. The real estate transaction management department shall, according to the property right status and the purchase object of the transaction house, report to the transaction department for approval step by step according to the approval authority set in advance, and both parties to the transaction may go through the formalities for signing the deed. Now Beijing has cancelled the real estate sales contract during the transaction, which is also commonly known as the "white contract".

5. Pay taxes and fees. The composition of taxes and fees is more complicated, depending on the nature of the transaction house. For example, the tax composition of commercial housing such as housing reform, rebuilding and demolition, and affordable housing is different.

6. Go through the formalities of property right transfer. After the real estate transaction management department completes the registration of property right change, both parties will hand over the transaction data to the issuing department, and the buyer will apply to the issuing department for a new property right certificate with the Notice of Obtaining Property Ownership Certificate.

Seven, for the buyer of the loan, after signing the house sales contract with the seller, the buyer and the seller go through the loan formalities at the loan bank. The bank will review the buyer's credit status, evaluate the house that both parties want to trade, and then approve the buyer's loan. After the two parties complete the registration change of property rights and the buyer obtains the house ownership certificate, the bank will issue a one-time loan.

VIII. The buyer obtains the property ownership certificate, pays off all the house price, and the seller delivers the house and settles all the property fees.

When handling the transfer formalities and mortgage loan, the buyer and the seller shall pay a certain amount of commission to the real estate agency as required. There are also some taxes and fees, such as transfer notarization fee, deed tax, stamp duty, assessment fee, insurance fee, etc.