What are the procedures for real estate transfer in Luoyang? How much is the transfer fee?

There are three ways to transfer real estate: inheritance, sale and gift, which should be analyzed according to different situations.

Transfer by inheritance

The most cost-effective transfer between relatives is inheritance. If it is a transfer between parents and children, then the cost of inheritance is the lowest. You only need to pay the registration fee and notary fee of 280 yuan (from 40 yuan to 45 yuan per square meter), and there is no business tax, individual tax or deed tax. However, the conditions are relatively simple, and only the property belonging to the immediate family members with inheritance relationship can be used.

It should be noted that immediate family members, even brothers and sisters, cannot adopt inheritance and can only choose to give. In practice, because the inheritance can only be transferred after the death of the decedent, few people choose this transfer method.

Sale and transfer

In real life, buying and selling is the most common form of housing transfer, and it is also a more convenient and safer way of operation. First-time buyers can enjoy preferential treatment according to the purchase area. Moreover, the seller sells a house, which is less than 5 years away from buying a house, and needs to pay business tax and personal income tax.

In business transfer, the cost is different in different situations. From the nature of housing, the transaction costs paid by commercial housing, affordable housing and housing reform are also different.

Gift transfer

Nowadays, many people who buy houses have the idea of "escaping" some expenses by giving away ownership. But in fact, this method does not save money. Of course, if the house sold is less than 5 years from the last transaction, it is more cost-effective to pay business tax as a gift.

The notarization of real estate gift is risky. If the donor gives up the gift before the property transfer, even if the buyer has paid the down payment, due to the nature of the gift, there is no binding responsibility for the seller, which will inevitably bring certain economic losses to the buyer.

Policy fee:

1, deed tax: ordinary residence: the average price is less than 5,000 yuan /m2, and the appraisal price is *1.5%; Non-ordinary residence: more than 5,000 yuan/square meter, with an area of more than 144 square meter; for other purposes, the appraised price is * 3%;

2, personal income adjustment tax: (evaluation price-original purchase price) *20% (stipulated by the seller, but now many are buyers);

3. Business tax: if the house has been purchased for less than five years, the appraisal price will be * 5.55%; Non-ordinary housing purchased for more than five years: (appraised price-original purchase price) * 5.55%; Ordinary housing purchased for more than five years is free of charge;

4. Real estate transaction fee: construction area *6 yuan/m2;

5. Stamp duty: appraisal price * 0.1%;

6. Property ownership certificate fee: 85 yuan;

7. Land certificate fee: 105 yuan;

8. Transaction evaluation fee: evaluation price *0.3%.

Two, if through intermediary transactions, intermediary fees should be paid.

1, transaction agency fee: transaction price *1%;

2, real estate license agency fee: see how the intermediary wants, usually a few hundred pieces.