Property water fee buyout

The transaction process of second-hand housing sales should generally pay attention to the following nine steps: first, look at the house, generally through the real estate agent or look at it yourself; The second is to sign a deposit agreement and an intermediary agreement, and pay the deposit after signing the agreement; The third is to sign a sales contract, that is, a real estate sales contract, and at the same time record the contract online; The fourth is to pay the down payment. If there is a loan at home, the family will generally repay the loan in advance with a down payment; The fifth is to go through the formalities of the next loan, and the next loan must apply for a loan from the bank with the sales contract and other materials; The sixth is to handle the transfer transaction procedures. After the transfer formalities are completed, the trading center will issue a receipt; Seventh, get the real estate license, and the receipt will come out for 20 days, and the next home will get the real estate license; Eighth, the lending bank issues loans to the last home, and the time for lending may be before or after the issuance of the property right certificate, depending on how the next home and the bank agree; Nine is to hand over the house and pay the final payment. - .

The buyer holds the ID card, and the seller holds the two-room certificate and other related documents to the real estate exchange for specific handling.

Need:

Identity cards and copies of identity cards of both parties (cannot expire);

The seller's real estate license.

Procedure:

Go to the notary office for notarization with a valid ID card.

Handling fee:

Part I expenses: notary fees;

Part I Expenses: The latest taxes and fees for second-hand housing transactions in 2009 are as follows: = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = =

(1) Seller

Business tax is 5.5% (the real estate license can be exempted after five years)

Personal income tax 1% (the real estate license is five years old, and the only house is tax-free).

Stamp duty 0.05% (less than 90 square meters can be exempted)

Land transaction service fee per square meter in 3 yuan.

(2) The buyer

The deed tax is 1.5% (more than 90 square meters and less than 144 square meters,1.5%; Non-ordinary residence//kloc-more than 0/44 square meters, 3%). Less than 90 square meters 1%. )

Land transaction service fee per square meter in 3 yuan.

Stamp duty 0.05% (less than 90 square meters can be exempted)

The registration fee is in 50 yuan per person.

= = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = ● Taxes and fees for second-hand commercial housing: second-hand commercial housing is the kind where the owner directly buys it from the developer at the market price. Deed tax: 65438+ 0.5% of the transaction price. If it is a non-ordinary residential property, you need to pay the deed tax at 3% of the transaction price; Explanation of terms: Non-ordinary residence-any "building area is above140m2, floor area ratio is above 1.0, and the actual transaction price is higher than the average transaction price of houses on the same level of land 1.2 times" belongs to non-ordinary residence, and vice versa. In addition, public houses were purchased, relocated houses were rebuilt, and cooperatives raised funds to build houses and settle down. Stamp duty: 0.5% of the transaction price is paid by both buyers and sellers of second-hand houses as stamp duty. Business tax: if the real estate license (or deed tax bill issued by the tax department) is issued for less than 5 years, the business tax of 5.5% of the transaction price is required. After 5 years, ordinary housing will be exempted, and non-ordinary housing will be paid according to the standard of (actual transaction price-original purchase price) ×5.5%; Personal income tax: Personal income tax should be paid if the delivery time is less than 5 years. There are two ways to pay personal income tax: 1, which is suitable for those who can provide proof of the original value of the property: (actual transaction price-original purchase price-reasonable expenses) × 20%; 2. Applicable to those who cannot provide proof of the original value of the property or proof of reasonable expenses: 65438+ 0% of the actual transaction price of the property. Explanation of terms: reasonable expenses-reasonable expenses generally refer to taxes, loan interest, decoration expenses, notarization fees, handling fees, etc. When buying a house, the owner will pay, but the corresponding vouchers, such as the invoice of decoration payment, need to be submitted. If the property has been over 5 years, it can be exempted if it belongs to the only house in the family, otherwise it still needs to pay personal income tax. If the owner plans to buy the property again in the year when the property is sold, he can submit a written application to the tax authorities, pay personal income tax in the form of tax deposit first, and refund the corresponding part of personal income tax after purchasing the property again within 1 year. ● Taxes and fees for housing reform: housing reform, also known as "purchased public houses" and "listed public houses", is a kind of property that employees buy out by distributing units to individuals in the form of welfare housing allocation at the price stipulated by relevant departments. In the housing reform, only the property with the nature of "cost purchase" can be directly listed and traded: deed tax and stamp duty: paid according to the deed tax and stamp duty standard of commercial housing; Land transfer fee: housing reform requires land transfer fee, and the calculation formula is: current cost price × construction area × 1%/. Term explanation: current cost-refers to the housing reform cost issued by the government in the year when the real estate was actually listed for sale, that is, the cost of this year. The current housing reform cost in Beijing is 1.560 yuan/m2 (some suburban counties have declined), that is to say, the land transfer fee for housing reform is actually 1.5 yuan/m2 according to the cost price; After the housing reform is listed for sale and the land transfer fee is paid, its property right is equivalent to that of commercial housing; Personal income tax: the calculation method of personal income tax for housing reform is the same as that for commercial housing, except that the starting point is based on the actual delivery time of the housing reform price (purchase price) at the time of housing reform, and the payment voucher at that time is required as the calculation basis. In addition, according to the standard of "(actual transaction price-original purchase price-reasonable cost) ×20%", the original purchase price of housing reform is not based on housing reform. It should be noted that there are two kinds of housing reform houses, namely "preferential price" and "standard price". Standard price and preferential price of the housing reform housing listed, to pay part of the money, changed to cost price, can be directly listed. The formula for calculating the supplementary cost price of preferential price and standard price is: current cost price (1560 yuan/square meter )× construction area×● taxes and fees for affordable housing: affordable housing is a kind of housing that the state gives corresponding tax relief and subsidies, so there are many restrictions on the listing and trading of this kind of real estate: deed tax, stamp duty and business tax are paid in accordance with the relevant regulations on commercial housing transactions; Personal income tax: it is applicable to the relevant provisions of the listing and trading of commercial housing, but since affordable housing can only be transferred at the original price within five years, it is actually not necessary to pay personal income tax for affordable housing within five years. If it is not the only house in the family, it needs to be listed and traded five years later, and it still needs to pay taxes; "Five years" of affordable housing: 1, less than five years after delivery: the property can only be sold to eligible families at the original purchase price. The eligibility requirements for the purchase of affordable housing are: the annual family income is less than 60,000 yuan, the family without housing or the average housing area of the family does not meet the minimum standard, and the urban registered residents in Beijing or other provinces and cities who hold the Beijing work residence permit. 2. If it has been delivered for 5 years, it can be sold to any China citizen at the market price, but a comprehensive land price of 10% of the transaction price is required. Here we need to pay special attention to another kind of real estate that is equivalent to the management of affordable housing. Most of these properties are "demolition and resettlement" or "relocated houses". Only the property certificate is marked as affordable housing, but it is not restricted by affordable housing for five years. As long as you get the title certificate, you can go public. In addition to the tax standards for commercial housing, they also need to pay a land transfer fee of 3% of the transaction price. After paying the land transfer fee ● Regarding the land value-added tax, ordinary houses owned by individual residents are temporarily exempted from land value-added tax when transferring. Secondly, residents who have transferred non-ordinary housing and lived for five years or more are exempted from land value-added tax; Those who have lived for three years but less than five years will be subject to land value-added tax by half; If you have lived for less than three years, land value-added tax will be levied according to regulations. Most of the land value-added tax is paid at 1% of the transaction price. ● Provisions on tax reduction and exemption: 1. Residents who have been demolished can be exempted from the deed tax corresponding to the demolition compensation amount with the demolition certificate; 2. If you sell the old property and buy a new property within one year, you can exempt the income from the sale of the original property, but you need to pay it to the tax authorities in the form of tax deposit first.

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At present, the city water supply company implements the household name residential address system, and most properties do not need to go through the formalities of water meter transfer. However, according to the agreement in the sales contract when handing over the house, both parties need to read the meter, and the owner will settle the fees owed according to the actual meter reading. According to the regulations of the water supply company, no matter who uses it, any overdue payment will be subject to a late payment fee of two thousandths per day. After 30 days' reminder, if the household still fails to pay the water fee and late payment fee, the water supply will be stopped. It is suggested to ask the last family if they have paid the water fee before handing over the house. On the day of delivery, the previous water bill should be brought with the previous home. You can call the "Xiaoguo Hotline" 962626 to check the past water bill arrears of the property.

2. Notify the blood glucose meter status

According to the regulations of the electric power company, it is illegal to install, disassemble the meter box, open the seal and change the metering device without authorization, and offenders will be treated as illegal electricity use. Therefore, when handing over the house, it is recommended that the next home personally check whether there are traces of mobile modified meters. In practice, the names of meters in newly-built commercial houses are basically the names of the owners or developers. When handing over the house, in addition to checking the reading of the electricity meter, both parties must also bring their identity documents, real estate licenses and private seals. Go to the local electric power business hall to handle the transfer and renaming procedures of electric meters, and settle all the arrears of electric meters. If you need to know about the unpaid electricity bill, you can call the 95598 hotline.

3. Assist in gas transfer

According to the regulations of the gas company, the upper and lower households must be based on the house sales contract, and the contract must indicate that the house price has included the gas facility fee or the certificate of free transfer of gas equipment, as well as the ID card of the upper and lower households and the recent gas bill of the last household. Both parties personally go to the gas department to handle the transfer and renaming procedures. The renaming fee 10 yuan shall be borne by the next household. If there is no agreement or the agreement is not clear, the gas department will not handle it. If you need to inquire about the gas arrears and the address of the gas department, please call the 24-hour gas comprehensive service hotline of Shanghai Gas Group at 962777. 4. Assist in cable TV transmission

Cable TV implements the system of one household and one card. If the family defaults, the cable station will block payment after a long time. Therefore, when handing over the house, families can be required to submit the cable TV fee receipt certificate and cable TV initial installation certificate for the last month on the day of handing over the house. The next home can go through the transfer formalities at the cable TV station in the street where the house is located with the above two materials and the new property right certificate. If you want to inquire about the arrears, just dial 1 14 to inquire about the street office where the house is located.

5. Settlement of telephone and broadband charges

If the next home doesn't need to continue the phone number of the last home, the last home can go to the telecom company to cancel or change the number, and then the next home can apply for installing the phone by itself. If the next home needs to continue the phone number of the last home, the next home will go through the transfer formalities in the telecommunications department and settle the phone bill on the day of delivery. As for the broadband charges, the delivery date shall prevail and be settled monthly. If you have any questions, please call 10000.

6. Maintenance fund settlement

According to the regulations of the real estate management department, when the house is transferred, the balance in the maintenance fund account is not refundable, so the last family can settle the account with the green copy of the Delivery Form for Settlement of Commercial Residential Maintenance Fund or hand it over to the next family. At the same time, the owner of the maintenance fund was renamed Xiajia.

7. Property renaming and property management fee settlement

It is suggested that the next family settle the property management fee at the property management office where the house is located on the day of delivery. At the same time, go through the formalities of property entry at home.

8. Mobile account

One of the most controversial factors is that the last account did not move out in time when the house was handed over. Therefore, the next family can go to the police station where the house is located the day before the delivery of the house to check whether the account of the last family has moved out. If the previous household can only be moved out after the house is handed over, the next household must clearly agree with the previous household on this issue and make a written confirmation.