What do you mean by housing reform? How to buy and sell?

1. Reform housing (purchased public housing)

Housing reform It is easy to buy public houses now. Purchased public housing refers to the built public housing purchased by urban workers at cost price or standard price according to the relevant policies and regulations of the state and local people's governments at or above the county level on the reform of urban housing system. If a house is purchased at the cost price, the ownership of the house belongs to the individual employee; If the house is purchased at the standard price, the employee owns part of the house, which generally belongs to the employee after 5 years.

2. Purchase process of housing reform housing

Housing reform is a kind of compensation that the state does not include housing consumption funds in the wages of employees, and it is a form of transition from housing system to housing commercialization. Its price is not determined by the relationship between market supply and demand, but by the government according to the principle of realizing simple housing reproduction and establishing social security housing supply system, and it is sold at standard price or cost price.

The sales target of housing reform is limited, not everyone can enjoy the preferential policies of housing reform, and the people who buy the houses sold by housing reform can only be residents living in single-purpose public houses and employees who meet the housing distribution conditions.

In the process of housing reform and selling houses, the purchase area should be controlled, and the control index of the building area that everyone can buy houses should be stipulated, so as to prevent some people from using their powers to buy public houses in large quantities at low prices, resulting in the loss of state-owned assets or public property.

Housing reform, sale and purchase of public housing have certain preferential policies. On the basis of standard price or cost price, there are preferential policies for length of service, position or title, as well as preferential policies for retired cadres.

In addition, there are restrictions on the purchase of public houses by housing reform. Public housing sold to employees can only be sold after living for several years, which refers to public housing purchased by employees at standard price or cost price.

The purchase of housing reform should be approved by the municipal housing reform office or the higher authorities in charge of selling units, and reported to the municipal housing reform office for the record; And has signed a housing reform contract and paid off the purchase price according to the housing reform policy. Its original property unit is the unit or the Housing Authority, and it is sold to individuals.

3. Housing reform housing listing transaction process

(1) Go to the Policy and Regulation Section of the Housing Reform Office (at the Municipal Real Estate Bureau) to get the application form for listing and trading of housing reform houses;

(2) After the property owner fills in the above application form, he/she will stamp the original property right unit and receive the Registration Form for the Record of Employees' Personal Housing Archives and the Approval Form for the Evaluation of the Property Right of Public Housing Reform;

(3) Hold the application form stamped by the unit and stamp it at the public housing office of the Municipal Real Estate Bureau (about 10 working days);

(4) After completion, return to the Housing Reform Office with the above three forms and relevant materials of housing reform. The materials you need to bring are: real estate license, land certificate, ID card of the owner and spouse, household registration book, marriage certificate, etc. (check the original and keep two copies) (if the husband and wife are divorced, provide the property division agreement, and if one of the husband and wife is deceased, provide the original unmarried certificate);

(5) Use the above information to handle the registration form of the listing transaction of the Housing Reform Office, that is, the listing certificate.

(6) Complete all procedures in the housing reform.

4. Housing reform transfer 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 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.

(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 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.

5. Information to be prepared

(1) Property Certificate Transfer Materials

Old property certificate, sales contract and ownership application registration form;

(2) The seller

Id card, marriage certificate (marriage certificate, divorce certificate, divorce agreement or unmarried certificate, etc.). ), household registration book, certificate of authorization (when the seller is unable to be present, he may authorize others to handle it on his behalf);

(3) The buyer

Id card, marriage certificate (marriage certificate, divorce certificate, divorce agreement or unmarried certificate, etc.). ), household registration book, power of attorney (when the buyer is unable to be present, he can authorize others to handle it on his behalf);

Note: when handling the transfer of property right certificate, you must make a map first.

6. Land certificate

When the new title certificate is issued, you can go to the Land and Resources Bureau to handle the transfer procedures of the land certificate.

Materials: new property right certificate (original and photocopy), sales contract, original old land certificate, property owner's ID card (original and photocopy);

Note: If the property owner cannot handle the land certificate in person, he may entrust others to handle it. The client needs to provide his/her ID card (original and photocopy) and power of attorney for land registration.

7. Relevant taxes and fees

Housing reform, also known as "purchased public houses" and "listed public houses", is a kind of property type that employees buy out the property that units are allocated to individuals in the form of welfare housing distribution 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:

(1) Deed tax and stamp duty: pay according to the standard of deed tax and stamp duty of commercial housing;

(2) Land transfer fee: Land transfer fee is required for housing reform, 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 cost of housing reform in Beijing urban area is 1.560 yuan/m2 (some suburban counties have decreased), 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;

(3) 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 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 housing reform will be carried out.

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 (1.560 yuan/square meter) × construction area ×

Because of the nature of property rights, the issuance time of real estate license and other factors, the process and taxes will be different.