What is the transfer process of second-hand housing? You can save a lot of money in two minutes!

Many families have bought houses, especially second-hand houses, and they don't know how the second-hand house transfer process goes. From beginning to end, the intermediary pointed out. If we know this general process, we can reduce our dependence on intermediaries and others. So, what is the second-hand housing transfer process? Let's have a look.

1. What is the second-hand housing transfer process?

The Quaker's name for Sunday

Get the form: application for approval of real estate transfer, real estate sales contract, buyer's confirmation, and fill in the form.

Transaction: signed by the buyer and the seller.

Check the file: check whether the property right of the house is clear, whether there is mortgage, and seal it up (check the results in the morning and afternoon, and check the results the next day).

Appraisal: Make a house safety appraisal report.

Check price: the financial department evaluates the house price according to the transaction amount of the house sale (replacement) contract.

Local tax: pay the business tax (tax exemption confirmation issued by the tax-free local tax department) and stamp duty of the seller's property, and the stamp duty is 0.5 ‰ for the buyer and the seller.

The next or third day delivery.

Pay the deed tax after seven days: pay the deed tax and get the deed certificate; Pay transaction fees; File sealing: receipt of license.

After ten effective working days.

Get the certificate: the buyer takes the original ID card to get the room certificate.

Second, Beijing second-hand housing transfer process

Get the form: application for approval of real estate transfer, real estate sales contract, buyer's confirmation, and fill in the form.

Transaction: signed by the buyer and the seller.

Check the file: check whether the property right of the house is clear, whether there is mortgage, and seal it up (check the results in the morning and afternoon, and check the results the next day).

Appraisal: Make a house safety appraisal report.

Check price: the financial department evaluates the house price according to the transaction amount of the house sale (replacement) contract.

Local tax: pay the business tax (tax exemption confirmation issued by the tax-free local tax department) and stamp duty of the seller's property, and the stamp duty is 0.5 ‰ for the buyer and the seller.

Pay the deed tax after seven days: pay the deed tax, get the deed certificate, pay the transaction fee, seal the file and get the receipt of the certificate.

Get the certificate: the buyer takes the original ID card to get the room certificate.

Housing transaction process:

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 down payment (the down payment shall not exceed 20% of the total price), and both parties sign a house sales contract. After reaching an agreement on the location, property rights status, transaction price, delivery time and property rights treatment of the house through consultation, both parties sign at least three Beijing Stock House Sales Contracts.

3. The buyer and the seller apply to the real estate transaction management department for review. After applying to the real estate management department, the management department shall examine the relevant documents, review the property rights, and grant the transfer procedures to the houses that meet the listing conditions. If there is no property right or some property rights have not obtained the written consent of other property rights, the application shall be refused and the listing transaction shall 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. Now Beijing has cancelled the real estate sales contract during the transaction, which is also commonly known as the "white contract".

5. Paying 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 housing reform, relocation, affordable housing and other commercial housing is different.

6. Go through the formalities of property right transfer and transfer. After both parties to the transaction complete the registration of property right change in the real estate transaction management department, the transaction data will be handed over to the issuing department, and the buyer will issue the certificate with the notice of obtaining the house ownership certificate.

The department applied for a new title certificate.

7. For the buyer of the loan, after signing the house sales contract with the seller, both the buyer and the seller will go to the loan bank to handle the loan formalities. The bank will review the buyer's credit, evaluate the house that both parties want to trade, determine the buyer's loan amount, and then approve the buyer's loan. The bank will issue a one-time loan within three working days after the two parties complete the registration change of property rights.

8. After the seller delivers the house and settles all the property fees, the house purchase and sale transactions of both parties are completed.

(The above answers were published on 20 15-06-09. Please refer to the current actual purchase policy. )

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