Job Recruitment Website - Property management - Consult the specific operation process of second-hand housing sale in Kunshan, Jiangsu:

Consult the specific operation process of second-hand housing sale in Kunshan, Jiangsu:

1, Step 1: Buy a house and inspect it on the spot.

Buyers and sellers should establish information communication channels, inspect houses on the spot, inspect lots, negotiate prices, and determine the intention of buying houses. At the same time, the seller should be required to provide legal documents, including house ownership certificate, identity certificate, household registration book and other documents.

2. Step 2: Sign the second-hand house sales contract.

The seller provides the legal certificate 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. Step 3: Both parties go to the loan bank to handle the loan procedures.

If the buyer needs a loan to buy a house, after the buyer and the seller reach an intention, the loan bank will appoint an appraisal company to evaluate the house to be traded by both parties and confirm the loan amount. After the two parties sign the house sales contract, the buyer and the seller need to go to the loan bank to handle the loan formalities together.

After the bank approves the credit of the loan applicant, it will notify both parties to complete the property right change. After receiving the property right certificate, the buyer must apply for another certificate of rights accompanied by the bank. After the certificate of other rights is issued, the bank will issue the loan to the owner in one lump sum.

4. Step 4: Both parties shall go through the transfer formalities at the Property Rights Exchange Center.

After the contract is signed, the buyer and the seller apply to the real estate trading center for review. For houses that meet the listing requirements, the relevant departments will allow the transfer procedures, and those that have no property rights or some property rights without the written consent of other property owners will not be handled, and listing transactions are prohibited.

5. Step 5: Pay relevant 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. Step 6: Both parties * * * go to the Property Rights Exchange Center to handle the transfer of property rights.

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. Step 7: Make up the bank loan balance and complete the transaction.

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 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.

After the buyer obtains the ownership certificate of the house and pays off all the house price, and the seller delivers the house and pays off all the property fees, the sales contract of the second-hand house of both parties is fully fulfilled.

Extended data:

Taxes and fees to be paid for purchasing second-hand houses:

1, deed tax (to be paid by the buyer)

According to state regulations, the sale of houses, whether commercial houses or stock houses, must pay deed tax to the state. For residential buildings, the deed tax shall be paid at 1%-3% of the total house price, and the specific proportion shall be determined according to relevant national policies, purchase time, purchase unit price, purchase area, whether to purchase 1 time, etc. Non-residential houses are paid at 3% of the taxable reference price.

According to the Notice on Implementing Preferential Deed Tax Policies from 20 10, 10 and 1, if an individual purchases an ordinary house and the house belongs to the only house of a family (including the purchaser, spouse and minor children, the same below), the deed tax will be levied by half. If an individual purchases an ordinary house of 90 square meters or less, and the house belongs to the only family house, the deed tax shall be levied at the reduced rate of 1%.

Under normal circumstances, the tax rate for purchasing houses of less than 90 square meters is 1%, 90- 144 square meters is 1.5%, and 144 square meters is 3%. The second purchase is 3%, regardless of region.

2. Business tax (to be paid by the buyer)

This business tax consists of urban maintenance and construction tax, education surcharge, local education surcharge and sales business tax, and the tax rate is 5.6%.

Individuals who purchase ordinary houses for more than 2 years (including 2 years) for external sales shall be exempted from business tax.

3. Personal tax (paid by the buyer)

Approved collection method: personal income tax payable = tax payable × 1% (or 1.5%, 3%). The approved collection rate of individual income tax on individual housing transfer in our city is: ordinary housing 1%, non-ordinary housing or non-residential real estate 1.5%, and auction real estate 3%.

Personal income tax shall be exempted for individuals who have been transferred for personal use for more than 2 years and are the only residence of the family.

4. Stamp duty (0.05% for both parties)

Stamp duty is a kind of tax levied on contracts or documents with contractual nature, property rights transfer documents, business books, rights, licenses and other documents determined by the Ministry of Finance.

For buyers, the tax rate of stamp duty is 0.05%, that is, the taxable amount of buyers is 0.05% of the taxable amount, and the stamp duty is paid by taxpayers themselves.

Individuals selling or buying houses are temporarily exempt from stamp duty.

The second transfer registration only charges the buyer 0.05% stamp duty.

5. Land value-added tax:

The "approved collection method" for personal transfer of non-residential real estate shall be collected by the registration center, and the others shall be collected by the registration center after the taxpayer has paid or gone through the approval procedures at the local competent tax authorities.

Personal housing sales are temporarily exempted from land value-added tax.

Approved collection method: land value-added tax payable = tax payable × approved collection rate. The approved collection standard of land value-added tax in our city is 10% for shops, offices and hotels, and 5% for other non-residential buildings.

6. Registration fee

The charging standard is divided into housing and non-housing individual housing registration fees in 80 yuan; The housing registration fee for non-housing is for each 550 yuan. The housing registration fee standard includes the real estate license fee and the land use right certificate fee.

7, real estate transaction fees

The transaction fee for newly-built commercial housing is charged at 3 yuan per square meter and shall be borne by the transferor.

The transaction fee for affordable housing is halved and shall be borne by the buyer.

In other cases, the transaction fee of real estate is charged at 6 yuan/m2, and both parties shall bear 50% of it.

8.commission

The transaction price is *3%, and both parties pay half.

9. Decal: 5 yuan/set.

If you need a mortgage when buying a house, you will also incur the following expenses:

10, assessment fee

0.5% of the appraisal result will be charged for the part whose appraisal price is lower than 654.38+00000, and 0.25% will be charged for the part whose appraisal price is higher.

1 1, mortgage registration fee

Individual housing registration fee per set of 80 yuan; The housing registration fee for non-housing is for each 550 yuan.

12, entrusted notarization fee

If the house needs notarization, then a certain percentage of notarization fee will be paid. The standard of notarization fee is generally 300 yuan/two notarial certificates, and 20 yuan will be charged for each additional certificate.

What taxes and fees do I need to pay for buying a house?

If the building needs to be redeemed, the following expenses will be incurred:

13, foreclosure guarantee fee

Cost calculation-Owner's arrears × 1%. The term is 3 months, and the minimum charge is 2000 yuan.

14, default interest for foreclosure

Different banks charge different fees, generally 0.5% of the amount owed.

15, redemption of short-term loan interest

General 1 month short-term loan interest ≈ amount owed × 1.

If the buyer and seller are involved in foreign affairs, the following expenses will be incurred:

16, notarization fee for sales contract

Standards for collection and collection by notary organs from foreign parties:

Transfer price ×0.003% (transfer price < 500,000)

Transfer price × 0.0025+250 (500,000)