What is the transaction process of second-hand houses in Nanjing?

Nanjing second-hand housing transaction process:

1. Buyer's consultation

sign a contract

Handling transfer

Do one thing.

Pay taxes and fees

6. Go through the formalities of property right transfer and transfer.

7. Bank loans

8. Make a settlement to complete the transaction

# The required second-hand house transfer process is: 1. Under the coordination of the broker, the buyer and the seller reached basic intentions such as price, payment and property delivery, and decided to meet and discuss in detail; 2. The buyer shall prepare the down payment of1-20,000 yuan and his identity certificate; The property owner of the seller (including the property owner of * * * *) shall prepare the property right certificate, land certificate and property owner's ID card; (If the seller's house property is mortgaged, it is necessary to bring the original loan contract and related materials to the bank for the broker to inquire and give repayment suggestions. ); 3. The buyer and the seller shall meet at the intermediary company at the appointed time to negotiate the specific matters of signing the sales contract; 4. Meet at the brokerage company to discuss business matters (signing a contract is the most important thing, and all promises should not be easily believed, especially the verbal promises of the seller and the broker, which should be written into the contract. ); 5. The buyer should ask the broker to strictly examine the ownership certificate and identity certificate of the seller, and at the same time ask the seller to specify the building age of the house and write it into the contract; The seller shall require the broker to specify the payment method of the buyer in the written contract (generally, the payment can be completed within 3-5 working days after the buyer's property certificate is completed). Don't believe the broker said that the loan needs about 10 working days, except that the provincial and municipal provident fund loans need about 20 working days. It is suggested that you accept the requirements of the intermediary company during the transaction and trust the funds in the fund supervision department of the real estate bureau, except in special circumstances. ); 6. Sign a tripartite sales contract (the general intermediary will provide a standard contract. Considering that each suite has its own special transaction situation, we should remind everyone to write the specific matters negotiated before into the contract, and also sign a contract on the terms of household registration transfer time, cable TV, decoration, other ancillary facilities, parking space, carport and basement); 7. When signing the contract, the seller shall hold the sales contract, deposit and receipt issued by the intermediary company; The buyer should hold the sales contract, the buyer's deposit receipt and the intermediary fee invoice issued by the intermediary company (it is not recommended to pay the intermediary fee when signing the contract); 8. The seller cancels the mortgage of the house (if it is stipulated in the contract that the buyer and the seller should work together to cancel the mortgage, the purchase price should not be directly paid to the seller, but should be jointly credited to the seller's repayment account in the bank by the three parties. It is best to handle the mortgage cancellation on the same day in advance. ); 9. It is agreed to handle the transfer of property rights, and the intermediary will print the application form for stock house transaction online, and the three parties will go to the real estate transaction market to handle the transfer procedures (the seller's property owners must all be present and bring the original ID card; The buyer brings the original ID card, down payment and loan materials. ); 10. After the down payment is delivered to the seller or the entrusted trading market, the three parties jointly apply for surveying and mapping at the counter and register the transfer procedures (the transaction receipt is generally kept by the broker, and it is appropriate to pay the agency fee or pay more than half of the agency fee at this time); 1 1. The three parties go to the bank or guarantee company to go through the pre-qualification formalities for the buyer's loan (the total handling fee for loan guarantee, notarization and land certificate in Nanjing is generally within 1300, of which the commercial loan is within 500 yuan, and the provident fund or portfolio loan does not exceed 1300 yuan. This fee shall be borne by the buyer, noting that this fee is the upper limit, and overpayment can be regarded as fraud by the intermediary); 12. 10 days later, the three parties will go to the trading market together. After paying their respective taxes and fees, the buyer and the seller get a new certificate, and send the new certificate and related materials to the bank or guarantee company for the next payment (if it is entrusted to the trading market for the first time, it can be taken out by the seller at this time, and the final payment can generally be received in 3-5 days. ); 13. Before the final payment is paid, the Seller shall settle the house payment, water and electricity property and other expenses; 14. After the bank loan is issued, the three parties shall first check that the delivered property is correct, and then collect the next passbook and repayment passbook from the bank or guarantee company. When the seller gets all the house payment, the buyer declares the transaction completed after accepting all the houses (in general, this time is regarded as the completion time of intermediary service. ); /kloc-about 0/5.30 days, the buyer goes to the bank or guarantee company to get his own property right certificate, land certificate and loan mortgage contract. # The whole process of second-hand housing transaction can be roughly divided into the following stages: (1) The buyer and the seller establish information communication channels, and the buyer knows the overall situation and property rights of the house, and asks 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. (4) contract. 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. Beijing has cancelled the contract for the sale of real estate during the transaction, which is also commonly known as the "white deed". (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), handle the transfer of property rights transfer procedures. 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 receiving the property ownership certificate. (7) For the buyer of the loan, after signing the house sales contract with the seller, the buyer and the seller go to the loan bank to handle the loan formalities. 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. (8) After the buyer has obtained the ownership certificate of the house and paid off all the house price, and the seller has delivered the house and settled all the property fees, all the second-hand house sales contracts of both parties have been fulfilled. # The process is: sign the sales contract, deliver the documents, pay taxes, transfer the ownership after paying taxes, and get the license. Different regions sometimes have different procedures, for example, it is possible to pay taxes first and then send documents. Signing a sales contract refers to the signing of a contract between the buyer and the seller together with the intermediary (if any) on the real estate price, delivery method and payment method. Submission means that the buyer and the seller bring relevant materials to the Housing Authority to apply for registration of property right transfer. The buyer brings the original ID card. If the loan needs a certificate of the first suite, it should be issued by the relevant department in accordance with the requirements of the Housing Authority. The seller brings the original ID card, the real estate license and the original taxes related to the real estate. After the Housing Authority version arrives at the Housing Authority, it can sign a sales contract with the Housing Authority. (many big cities have implemented online signing, that is, first apply for the pre-acceptance number to fill in the form online, and then submit the documents, so that you don't have to go to the Housing Authority to queue up. Tax payment refers to the payment of various taxes and fees to the relevant tax bureaus within the specified time after the Housing Authority receives the documents. Both the buyer and the seller bring their original ID cards and pay taxes separately. Duty-paid transfer refers to: after the buyer and the seller pay taxes respectively, both parties bring their ID cards and all bills issued by their respective taxes to the Housing Authority to check and confirm that the taxes have been paid, and then complete the transfer and receive the transfer receipt. Obtaining a certificate means that the buyer takes the ID card and the transfer receipt to the Housing Authority to get a new real estate license at the time specified in the transfer receipt. # Second-hand housing transaction flow (1) The buyer consults the buyer and the seller to 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) The signing seller provides the legal proof of the house, and 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 the house purchase contract (or house purchase 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. (IV) The deed-making real estate transaction management department shall, according to the property right status and purchase object of the transaction house, report to the transaction department for approval step by step according to the examination and approval authority set in advance, and both parties to the transaction can go through the deed-making procedures. Now Beijing has cancelled the real estate sales contract during the transaction, which is also commonly known as the "white contract". (5) The composition of paying taxes and fees is 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. Pay special attention to buying second-hand houses, and be clear about the precautions for buying second-hand houses, otherwise it is easy to be cheated. Please read the above precautions for buying second-hand houses carefully before buying a house. # You can pay attention to the real estate trading center, and you can also find a suitable house through major second-hand housing websites and local intermediary companies. The transaction process of second-hand houses is as follows: 1. The buyer and the seller first sign a house sales contract; 2. The seller shall properly handle the related matters that the house does not meet the transaction transfer conditions; 3. If a property buyer buys a house with a mortgage loan, he should apply for a loan from the bank and get a written reply from the bank; If the buyer pays in one lump sum, this step is unnecessary; 4. Both parties should bring the original real estate license, ID card, etc. According to the requirements of the local housing authority, and to the real estate exchange for trading applications. If you need to pay some taxes in advance before delivery, get the money ready. 5. After successful delivery and receipt from the real estate exchange, the buyer shall pay the down payment to the seller as agreed. 6. After completing the formalities of tax collection, tax payment and transfer, the buyer pays the balance of the house price, and the seller delivers the house to the buyer on the same day. 7. The seller shall assist the buyer to complete the handover procedures of property management office, power supply department and other related matters. # 1. Buy in full 1, inspect the house, the buyer and the seller reach an agreement, pay the house price, transfer the ownership, pay the down payment, pay taxes, apply for a new real estate license, hand over the house, pay the final payment, buy by loan 1, inspect the house, the buyer and the seller reach an agreement, pay the house price, submit a loan application and sign a loan contract, real estate assessment. Pay a down payment of 6. Pay taxes and get a new real estate license. Get a loan contract from the bank and register the house mortgage. Lend money from the bank to the seller, deliver the property and pay the final payment. Repay to the buyer, get the house book back after settlement, and cancel the mortgage registration. # The transaction process of second-hand houses is as follows: 1. The buyer and the seller sign the house sales contract first; 2. The seller shall properly handle the related matters that the house does not meet the transaction transfer conditions; 3. If a property buyer buys a house with a mortgage loan, he should apply for a loan from the bank and get a written reply from the bank; If the buyer pays in one lump sum, this step is unnecessary; 4. Both parties should bring the original real estate license, ID card, etc. According to the requirements of the local housing authority, and to the real estate exchange for trading applications. If you need to pay some taxes in advance before delivery, get the money ready. 5. After successful delivery and receipt from the real estate exchange, the buyer shall pay the down payment to the seller as agreed. 6. After completing the formalities of tax collection, tax payment and transfer, the buyer pays the balance of the house price, and the seller delivers the house to the buyer on the same day. 7. The seller shall assist the buyer to complete the handover procedures of property management office, power supply department and other related matters. # Nanjing second-hand housing transaction process is divided into two situations: the buyer's mortgage loan payment and the buyer's full purchase. The specific process is as follows: 1. Buyer's mortgage loan to buy a house 1, bank credit investigation (go to the People's Bank to check the buyer's credit investigation) 2. Property right survey (survey whether the property is mortgaged, sealed up, analyzed and inherited, * * * owner information) 3. Pay the down payment to the seller and keep the balance of the house. 4. When the house is transferred, the bank will review the loan conditions. The bank will release the loan to the seller's account. 6. Both parties shall jointly deliver the property (water, electricity, gas, heating and property fees, and the original owner's account must be moved out). 7. Pay the final payment to the seller. 2. The buyer will pay the full amount 1 for the house. * * * Owner information) 2. The buyer pays the seller a deposit of 3. Both parties * * * to transfer the house 4. Both parties * * * deliver the property (water, electricity, gas, heating, property fees, the original owner's account must be moved out) 5. The procedures and procedures required for the Buyer to pay the Seller in full are as follows: 1. After the buyer and the seller negotiate the house price and sign the contract, 2. Both parties bring (1) the said materials to the appraisal company entrusted by the housing management department and the tax department for appraisal; After acceptance, the appraisal company will issue an appraisal report and pay the appraisal fee according to the appraisal procedure. 3. Both parties bring the information in Item (2) to the tax authorities to apply for deed tax payment; After the tax department accepts it, it carefully examines it, issues a deed tax form and pays the deed tax; The application for payment (or reduction) of business tax and individual tax shall be carefully examined by the tax authorities after acceptance, and a tax form (tax exemption form) shall be issued if it meets the requirements; 4. Both parties apply for loans from the bank with the above materials; 5. Both parties shall apply to the housing management department with the materials in Item (3). After the approval of the housing management department, they will pay for evidence, apply for mortgage and refund the loan. The above content is for reference only, and I hope it will help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!