There are many ways to buy and sell second-hand houses. How can we avoid being pitted?

From the initial house selection to the transaction transfer, here is everything you want to know! ? Before looking at the house, now the major websites understand the second-hand housing market information. When you have plenty of time, call the agent one day in advance to find out which houses you have chosen and when to see them, and explain your requirements and budget for the houses. On the one hand, the intermediary will contact the owner of the house you want, on the other hand, the intermediary will screen the house in his hand according to your requirements and recommend the house that meets the requirements to you.

When viewing the house, pay attention to the following points:

(1) Be sure to find out why the owner sells the house, whether it is an urgent need for money or a change of job and room when the child is older. Because this determines the mentality of the owner to sell the house, it is good to bargain. Some owners rented out their houses in other places, and the intermediary said to say hello to the owners. However, knocking on the door for a long time at the scene and coming several times, the tenants did not cooperate with the house inspection. Obviously, this type is to hang the house first, not really want to sell it, so there is no need to look at it again.

(2) ask the degree of use of the house. Once used, it will be locked for three to five years. If you have children or sell your own house in the future, it will be difficult to get it. If he uses it, you can bargain. If the house is rented to a tenant, or rented to someone else to start a company, this will be more troublesome than the owner-occupied type. Because the contract law stipulates that "if the ownership of the leased property changes during the lease period, the validity of the lease contract will not be affected", that is, the sale does not break the lease, and the lessee has the preemptive right and must give it up. At this time, when signing the second-hand housing sales contract in the later period, pay attention to modifying the terms or writing a supplementary agreement to avoid risks.

(3) Is the house mortgaged? If so, ask how much you owe, because it is related to how much guarantee fee and interest you have to pay for redemption. Now the house is more or less mortgaged, except for the one bought a long time ago, which is paid in full. However, some houses will be re-mortgaged by the owners. Even if he bought it cheaply at that time, he would still make a consumer loan. When he met some 40-square-meter old houses, he owed 1.6 million. So some houses have low prices on the surface, but the actual purchase cost is very high. The guarantee fee for foreclosure is 65,438+0.2% of the total amount owed, and the interest for foreclosure is about 65,438+0% of one month's arrears. If the amount owed is 1.6 million, the buyer will have to bear an additional foreclosure fee of 35,200 yuan. So, try to buy a house with a red book in your hand. If the only one is over five years old, you can pay less 1% tax. (This part of the tax will be explained in detail later). Generally speaking, the house is mortgaged and owes a lot. You and the owner must bargain well and try to reduce the cost.

(4) Don't look for several agents to look at the same house. Because many intermediaries contact the owner, the owner will mistakenly think that many people are looking at his house, thinking that his house is good and his psychological price will be high, but in fact, it is you who come back and forth, which will affect the bargaining with the owner.

Every time you look at the house, let the agent list all the expenses for you, including deed tax, individual tax, foreclosure fee and commission (this is usually marked 3% first, and then we will talk about it later) to facilitate your own cost accounting, compare different houses and choose the one with the highest cost performance.

After reading enough, choose a professional and reliable intermediary, and be sure to be reliable! Reliable! Reliable!

Say the important thing three times, because it determines how worried you are about buying a house in the future.

Ask the contract, ask the procedures must be clear, the intermediary in place.

At present, the entry threshold for intermediaries is very low, and unprofessional intermediaries will definitely increase the number of days you buy a house.

3. Determine the target attributes

After seeing so many houses, how to choose?

The first consideration is of course the price. Everyone wants to buy a bigger and better house, but the budget is so much. Therefore, we should combine our own economic ability to buy and do as many important things as we can. The cost of buying a house includes various taxes, agency fees, foreclosure fees, loan evaluation fees, etc. The following table has a detailed list provided by the intermediary company, and the expenses of several big heads will be discussed in detail below.

What we are talking about here is an ordinary house with more than 2 years, and a house without VAT.

Tax standard: the first set of 90 flat and below, taxable value ×1%; The first set is more than 90 square meters, taxable value ×1.5%; Second suite taxable value ×3%.

The deed tax shall be borne by the buyer and delivered to the real estate registration center on the day of transfer. This is money for the country. There is a standard of payment and the price cannot be reduced.

What is taxable value?

When signing online, the price registered with the Housing Authority, that is, the online signing price, is taxable value. Local standards are mainly local. In some places, the transaction price = online signing price = evaluation price. Let the intermediary make a low online signing price, which can legally avoid tax.

Referring to the market situation, the Housing Authority has formulated the lowest appraisal price of houses as the lowest benchmark price for paying taxes on house transactions. The online signing registration price cannot be lower than this minimum evaluation price. Usually, this evaluation price can't keep up with the actual transaction price (usually 70%). You can check in the real estate registration center and enter the real estate license number and ID number.

I'll say it again here. What the hell are the transaction price, online signing price and evaluation price! ?

Transaction price:

Transaction price refers to the total amount paid by the buyer to the seller, which is the actual transaction price of the house. ?

Online signing price:

Real estate transactions must be signed online. Once the "online signing" is successful, the same house can no longer generate a sales contract and can no longer be sold to others. The so-called "online signing price" refers to the transaction price reflected in the housing authority system. The online signing price cannot be lower than the regional low transfer guidance price (minimum evaluation price) required by the Housing Authority. The price of online signing not only determines the amount of loans, but also determines the level of tax payment. ?

Evaluation price:

Appraisal price is a third-party appraisal institution (an appraisal institution recommended by an intermediary or cooperated by a bank), which evaluates the value of real estate through certain methods and finally gives an appraisal price. The bank will lend money according to the evaluation price. The higher the evaluation price, the higher the personal loan amount and the lower the down payment pressure. Therefore, before the integration of the three prices, many people will choose to deliberately make the evaluation price high, "high evaluation and high loan." However, if it is discovered by the bank, the loan is likely to be rejected by the bank, and it may also affect future loans. What's more, it will be characterized as fraudulent loans and be investigated for legal responsibility. Therefore, everyone should be cautious about evaluating the price and not be lucky.

(2) Personal income tax

The only one who is exempt from five! The only one who is exempt from five! The only one who is exempt from five! Say the important words three times. Five-fingered means that the real estate license has been counted for five years since it was issued, and only refers to the family's only house in Shenzhen. Buying a second-hand house is best to choose five sets of houses with their own characteristics, which can save a tax.

Less than five years or more than five years is not unique:

A) Individual income tax = (taxable value-original registered price) *20%.

Or?

B) Individual income tax = (taxable value-VAT) * 1%?

The first tax method has a major premise, and the seller must provide complete and accurate proof of the original value of the house. When actually paying taxes, buyers can choose between the two and use which one to save money. According to the regulations, individual tax and the following value-added tax shall be borne by the seller, but Shenzhen is the seller's market. Generally speaking, the buyer bears all taxes and fees, but it can be negotiated during the transaction and clearly written in the contract. This tax was also handed over to the real estate registration center on the day of transfer. ?

(3) VAT and surcharges

If the house is over 2 years old, ordinary houses are exempt from VAT. Normal people buy houses for two years, unless you have special circumstances, because this tax is really a lot! For example, in 2 million taxable value, the value-added tax alone is more than 6,543,800 yuan. If the house is less than 2 years old, the value-added tax and additional collection standard: value-added tax = taxable value ÷( 1+5%)×5.65%.

(4) Agency fee

The agency fee is usually 3% at the time of reporting, but it can be discussed. When the total house price is high or the market is off-season, the agency fee has certain bargaining space. Generally, the agency fee is about 0%-2% of the total house price of 65,438+,and the fee of a small agency will be lower, so we can talk about a price of 1 000,20,000. However, small intermediaries also have problems and are not reliable. Are you sure that they don't charge money and don't do things reliably? ?

(5) Redemption fee

Redemption means that the original owner wants to sell the house, but the real estate license is still in the mortgage loan. Before the sale, you must pay off the loan, cancel the mortgage registration and get back the real estate license before you can handle the transfer in the Land and Resources Bureau. If the owner does not redeem the building himself, this part of the cost generated by redeeming the building through the guarantee company is called the cost of redeeming the building (generally, the minimum charge is 3000 yuan/bill).

Redemption is divided into cash redemption and quota redemption:

* Cash redemption: the guarantee company directly takes out a sum of money to redeem the building, and the redemption time is faster than the quota, and the cost is about 2.5% of the amount owed. If the owner has his own money, let him redeem the building in cash, and never use his own money to help him redeem the building, which is very risky. If he doesn't have that much money to pay back, let him redeem the building.

* Quota foreclosure: As a guarantee, the guarantee company obtains a short-term fund from the buyer's loan bank and uses this short-term fund to foreclose the building. During this period, the guarantee fee of the guarantee company and the short-term loan interest fee are incurred. One month's fee is about 2.2% of the arrears. Let me remind you that short-term interest is calculated on a daily basis. If the bank queues tightly, the loan is slow, and the owner owes a lot of money, then the amount will be very large. Therefore, we must choose a good loan bank to lend quickly, or choose a house with less debt.

(6) Penalty interest

If you return the house in advance, there will be a certain penalty interest according to the regulations of the bank, and the penalty interest of each bank is different. Generally, there is no penalty interest for the seller to hand over the building for three years, and the penalty interest for less than three years is 1-3 months, depending on the loan contract with the bank at that time. ?

(7) Assessment fee

Generally speaking, it costs hundreds to thousands to evaluate loans. This can be discussed and handed over to the evaluation agency. Generally speaking, according to five ten thousandths of the total amount of assessment, general banks have recommended assessment companies. ?

(8) Mortgage service fee

1500-2,500 yuan/piece, and this money is given to the mortgage service company. To tell the truth, this money is very unfair. The mortgagor did nothing but print something and took the owner to the notary office. Moreover, these mortgage companies are all with an intermediary company, but the departments are different, or so-called cooperative companies, so if you can talk to the intermediary, try to reduce this fee. ?

Summarize the cost of buying a house:

Ask the intermediary first to see the house, the owner's psychological price, whether the house is more than 2 years old, whether it is more than 5 years old, and how much is owed.

Total cost of house purchase = house price+deed tax+individual tax+value-added tax+foreclosure fee+agency fee+penalty interest+assessment fee+mortgage service fee?

* Less than 2 years: deed tax+individual tax+VAT.

* Two years: deed tax+individual tax.

* Only after 5 years: deed tax

* If you don't have the little red book in your hand, add the mortgage fee (one month first)?

* Less than 3 years: there may be bank penalty interest.

A house of 2.52 million yuan, after two years, the debt is 500,000 yuan, the deed tax10.9 million yuan, the individual tax10.9 million yuan, the house foreclosure fee is 6,000 yuan, the agency fee is more than 30,000 yuan, the appraisal fee10.000 yuan, and the mortgage service fee/kloc-0.05 million yuan is notarized.

Calculate your monthly payment, including provident fund loans and commercial loans, calculate your monthly payment, and then compare it with your monthly income to calculate the maximum monthly payment value. According to the monthly payment, it is generally not a big problem to reduce the price by 30 thousand to 50 thousand. If you meet owners who are in a hurry to use money, or owners who are in a hurry to change houses, you can cut more. ?

In addition, after comprehensively considering the factors such as apartment type, orientation, ventilation, lighting, floor height, decoration, surrounding traffic, living facilities, community greening, noise, elevators, security, property management, etc., I choose the house that suits me best. Then, I'm going to make an appointment with the owner. ?

4. About the preparation work before the owner

(1) Let's talk about agency fees first.

Look after the house, first talk to the intermediary about the agency fee. Avoid the following situations: I made an appointment with the owner, and the parties had a pleasant interview. I was about to close the deal, but I didn't sign the contract because the agency fee was not settled. This will affect your relationship with your host. If negotiation fails due to intermediary reasons, it will be difficult to make an appointment with the owner later. Therefore, it is recommended to negotiate with the intermediary first and then make an appointment with the owner. If it doesn't work out, change the intermediary. Anyway, there are many intermediaries! He can't do it. You find someone else to do it.

(2) Preview the contract in advance

Let the intermediary send all the contracts in advance and pay attention to all the contracts. On the signing day, not only a contract should be signed, including the second-hand house sales contract, the intermediary service contract, the fund custody agreement and the seller's property right confirmation. The contract provided by each intermediary company may be different. Why do you want to read the contract in advance? This helps us to know the details of the contract terms so as to draft the supplementary agreement in advance. Because the intermediary contract is a standard contract, many terms are vague. For intermediaries, the vaguer the better, for our buyers, the finer the better! What is not mentioned in the contract must be written in the supplementary agreement, such as: the house has a lease, when the lease expires, how much rent, how much deposit, and how to deal with the lease after the transfer. For the verbal promises made by the owner, such as giving away all furniture, the only one for at least five years, not using a degree, moving out of the account, etc., write all your concerns in the supplementary agreement.

Second, the formal trading stage.

Flow chart of second-hand housing transaction

1. Interview with the owner (bargaining)

Before the second-hand house is signed, both parties will inevitably have a price negotiation process. How to negotiate the price in the process of second-hand housing transaction? What are the bargaining skills?

Buyers should:?

1) Synthesize the market price, estimate the price in advance, and determine the highest price you can bear. ?

2) Don't talk about the price as soon as we meet, talk to the seller first, and then talk about the price after the atmosphere between the two sides is harmonious. ?

3) Know yourself and yourself, and understand the seller's mentality and the reasons for selling the house. If he is eager to sell and realize, bargaining will be very beneficial. ?

4) List one or two things that you are satisfied with the house to show your sincerity in buying a house. Sellers are more willing to talk to people who have the sincerity to buy a house. ?

5) point out the shortcomings and defects of the house, show them to the seller without losing time, and persuade them to lower their expectations. But we should control the degree and don't belittle it blindly, because if what you say is so bad, why buy its house? To solve the problem of the house itself, look at the following example.

6) Be sure to make the seller feel that you are sincere in buying a house, but it is really difficult because of the price. I hope he can make some concessions.

7) If necessary, both parties should meet each other halfway, set a price that is satisfactory to both parties, and buy their favorite house at a price that they can accept. ?

For example?

1) When it comes to lots, you can double its bid, so that the seller can't refute it with actual data and persuade him to leave room (master the historical transaction data of the community in advance); ?

2) If the house has a lease, your counterattack means that your main consideration for buying a second-hand house is to live in it rather than rent it out; Or rent it to someone else to start a company, which is also a reason to bargain, because you have to renovate it greatly.

3) If the degree has been used, you can also talk about it, because the degree will be locked for 3-5 years, which will affect children's schooling. Even if there are no children, you can say that the investment in the house will be sold after 3 years, which will affect the next home.

4) For the second-hand house, the buyer can clinch a deal at the price excluding decoration, criticizing that the decoration is useless or outdated will lead to a slight price reduction, thus persuading the seller to reduce the price. ?

5) For houses with more debts, the cost of foreclosure is more. (mortgage guarantee fee, short-term interest, penalty interest, etc.). You have to do your own accounts and let the seller bear the foreclosure related expenses, which is also a large sum of money in the cost of buying a house.

2. Sign a contract and pay a deposit

When talking with the owner, ask him to provide ID card, real estate license, marriage certificate and other materials. ?

1) Look at the real estate license

Of course, if the little red book is in hand, read the original. If the house is still mortgaged in the bank, ask the owner to provide a copy. Houses without real estate licenses go directly. The seller must be the owner of the house, and check whether the ID number is consistent with its real estate license and ID card (of course, check whether it is fake first, probably not). See clearly how many rights holders there are on the house. If there are several * * * people in the house, such as husband and wife and heir, then you should sign a sales contract with all * * * people. It is invalid to sign only with one or more of them. If the owner of * * * cannot be present, a notarized power of attorney shall be provided. If you buy a house after marriage, it belongs to the joint property of husband and wife, and both husband and wife need to be present to sign it. If the daughter-in-law can't come, you should provide proof that your spouse agrees to sell when signing the contract. Check the date of marriage certificate and real estate license to confirm whether it is pre-marital property or post-marital property.

Property ownership certificate/copy, it is best to take photos and keep them for future reference.

2) When signing the contract, pay attention to: l

The basic information of the transaction house must be clearly written in the terms, which house is in which community, the nature and use of the property is the house, the serial number of the real estate license, whether there is a mortgage, and the amount owed by the mortgage. There is no property right dispute and the house has not been sealed up, so the seller has the right to dispose of the house. l

@ Lease status of the house: If there is a lease of the house. Confirmation: the monthly rent is X yuan, and the lease term is X years, X months and X days. The seller shall obtain the written proof that the lessee waives the preemptive right before signing the second-hand house sales contract, otherwise it will be regarded as the seller's breach of contract. l

@ Pay attention to account migration. Sometimes buying this second-hand house is just for children to study nearby, so it is very important to give them an explanation. If the seller's account does not move out in time, our account cannot move in, and disputes will arise. If the goal is not achieved, the house will be bought for nothing.

Clarify the liability for breach of contract. Every major obligation should have a one-to-one corresponding liability for breach of contract, and it is best to directly set a specific amount of liquidated damages. It is agreed that in case of breach of contract, the seller shall bear the buyer's losses such as decoration and moving. In addition, it is also agreed that the breaching party shall bear the main legal fees, attorney fees and other expenses of the observant party. l

@ Check the following points: the amount of deposit, down payment and final payment; Taxpayer; What kind of payment method is adopted; Time and conditions of the first payment; Time and conditions of transfer; When and when the household registration will be transferred; Whether it is a degree; How to deal with the equipment in the house, which are for buyers and which are owners who need to move out. l

Make clear the time node of each operation, and don't be vague. As long as the seller is overdue, according to the liability clause for breach of contract, how much money will be paid for the overdue days. You can ask to check out if it is overdue for more than a few days, and the seller will double the deposit. l

As for the deposit, don't give too much, just show sincerity, and don't exceed 20% of the transaction price of the property. Why? Because we usually just need a lot of money, and we don't have enough experience in buying a house for the first time. If you have problems with loans or credit information in the later period, the social security can't meet the requirements, and so on, if you don't meet the qualifications for buying a house, you need to pay double the deposit to the seller, so choosing a deposit amount that you can afford most is risky. When paying the deposit, the intermediary company shall be required to issue a deposit receipt. The receipt can not only be signed by the agent of the intermediary company, but must be stamped with the seal of the intermediary company. We gave 50 thousand, you give it according to your own situation.

@ taxes and fees must be clearly written! ! ! ! Which shall be borne by the seller and which shall be borne by the buyer, so as to avoid wrangling in the future. Generally speaking, the buyer will bear all the expenses in Shenzhen. Items (1)-(23) in my contract sample belong to the buyer. I felt very weak when I saw this. But it is not absolute. It depends on the result of your negotiation. For example, the mortgage guarantee fee and short-term interest can be borne by the seller. l

@ Holding thousands of dollars and ten thousand dollars as mortgage deposit in the intermediary's hand. What is this for? In order to prevent the owner from defaulting on the internet fee, cable TV fee, water and electricity fee, gas fee, property fee and other miscellaneous fees, we must settle them before handing over the house, otherwise they will be deducted from the deposit for this handover to protect the rights and interests of our buyers.

3. Housing Authority files

After the two parties sign a paper second-hand house contract, the intermediary will sign the contract online. Be sure to let the intermediary take the owner to the Housing Authority (real estate registration center) to check the files as soon as possible, preferably the next day or the day of signing the contract. This step is very important! Don't jump over, this must be done by the owner himself with the real estate license/copy and ID card. If you are busy, you can look for an intermediary, send a production progress or send you a WeChat video. If you are not busy, let's go together.

Why do you want to check the file? It's important to check the files! ?

When signing the contract, I saw a copy of the real estate license/house property, but I don't know whether there are rights restrictions such as mortgage and seizure, and whether the owner has concealed anything from us. In order to ensure foolproof, we went to the trading center to pull the property right information and made the final confirmation.

explain

If a house is sealed up and cannot be traded, the buyer can't find it just by looking at the original title certificate of the owner. For example, this suite is controversial, and we have registered our objection with the local trading center. At that time, you couldn't see it on the real estate license.

Pay attention to check the owner's name and ID number on the property transfer form, and check whether the parcel number/house location/house number is the house you bought, whether the house is used as a residence, the service life and the purchase time of the owner. ?

5. Buyers do fund supervision

The down payment must not directly give the money to the seller, and there must be fund supervision. Fund supervision is equivalent to Alipay in the real estate industry. When the house is transferred, the funds will be unfrozen to the seller. It usually takes 1 to 3 months from the signing of the sales contract by both parties to the completion of the real estate transaction. In order to avoid moths and unnecessary disputes, only fund supervision can ensure the safety of second-hand housing transaction funds, and the funds are frozen through special bank accounts. No one else can use the funds without the agreed authorization of the buyer and the seller. ?

So the question is, which bank should we choose to do it? (The bank supervised by funds is generally also your mortgage bank)

Please do a good job of bank loan research in advance. You can actually do this step when you look at the house, and examine the loan interest rate, loan amount tension and approval speed of different banks. At that time, we went to Bank of China, China Construction Bank, Agricultural Bank and other banks, consulted the business manager of the loan department, and finally chose Agricultural Bank. If the line is tight and the loan is slow, avoid it. If your house needs to be redeemed, the longer it takes, the more short-term interest you pay.

The general loan interest rate is similar to that of all banks. The benchmark interest rate of the first home loan in Shenzhen generally rose by 10%, and reached 15% in some cases. The queuing situation in different branches is different, so you can ask more questions. One of the reasons why we chose Shekou Sub-branch of Agricultural Bank of China is that the loan amount is sufficient, the portfolio loan is reviewed quickly, and the final payment is fast. In addition, the account manager is also very good, close to home. Of course, they also have some consumer loan products If you mortgage your house in their bank, you can make a renovation loan of 300,000 yuan later, and the interest is not very high, and there is also a "fast e-loan". Investigate the mortgage business and consumer loan business of the bank in advance, and comprehensively consider choosing the one that suits you.

The second question is, what should be prepared for capital supervision?

1) Original and photocopy of ID card (borrower and spouse)

2) Household registration book (home page and minor children page, if it is a collective account, the account page with company seal and your personal account page)

3) The bank has been running for nearly half a year (twice the monthly debt, remember to stamp the official seal of the bank for self-service printing). Earn wages, live flow.

4) proof of income (paying debts twice a month, with the official seal of the company that pays social security), which can be typed according to the maximum amount or the annual income.

5) Second-hand house sales contract

6) Deposit receipts and vouchers

7) Marriage certificate (the spouse needs to go to the bank to sign it), and the spouse should provide ID card and household registration book, as well as proof of income accumulated in the bank.

Regarding the bank's running water and income certificates, the following are:

Generally speaking, personal bank flow includes salary flow, transfer flow and self-storage flow.

1) Salary is the most stable income for individuals and the most important part of the bank's running water. Wage flow is a personal income certificate fully recognized by the bank, which reflects the stability and safety of my work. ?

2) Transfer of jobs For freelancers or part-time workers, their wages are usually obtained by transferring jobs. Therefore, if your salary is transferred through the counter, online or online banking, it needs to be transferred at a fixed time and a fixed amount, and the bank will recognize it.

3) Self-survival water Self-survival water refers to the living water deposited by cash or other bank cards, which belongs to effective living water. ?

What if the bank doesn't have enough running water? (Be sure to run smoothly before buying a house. It looks good _)

Married, personal bank running water does not meet the requirements, you can provide the running water of both husband and wife, as long as the running water of both husband and wife meets the requirements of the bank, the bank will also approve the loan for you.

If one person or two parents-in-law are not enough, do the accounts by hand. My wife or brothers, sisters and friends go to the ATM to get cash every month, deposit it in your bank card on a fixed date, leave the money for a few days, and then return it to others several times.

6. Letter of Commitment from the Bank

After submitting the loan application, the bank will examine and approve the materials, which will take about 1-2 weeks, and the commitment letter will come out. You just need to wait for this period of time, and you will be informed when the letter of commitment comes out. As long as there is no problem with your credit information, social security payment, bank running water and other materials meet the requirements, there is no big problem. If the material does not meet the requirements, then modify it and resubmit it. If this bank can't handle it, try another bank and let the intermediary help solve it. Note that the letter of commitment is valid. After the letter of commitment comes out, go through the next procedure as soon as possible.

7. foreclosure

The house with the little red book in hand, skip this step.

The following is the amount of foreclosure:

After the bank's commitment letter comes out, let the intermediary inform the owner to go through the foreclosure formalities as soon as possible. The guarantee company will issue a letter of guarantee to the bank to apply for foreclosure. If there are no problems, the examination and approval procedures can be completed within one week. If there is a problem with the owner's credit information, it may be slower. After the approval, we will wait for the bank to lend money. The speed of lending mainly depends on the tight bank quota. Attention! Short-term interest will be calculated from the date when the bank approves the redemption payment until the final payment reaches the account date.

8. Cancel the mortgage

1-2 After the guarantee company finds the account, it will go to the owner's original mortgage bank and take out the original property certificate. This step is not for buyers. Intermediaries and guarantee companies will arrange it. They took the original real estate license to the Housing Authority to cancel the mortgage registration. Note: Unsecured houses cannot be traded again! Only after the mortgage registration cancellation of the housing management department is completed can the house be considered as "innocent" in the true sense and the property right can be transferred.

9. Delivery transfer

The intermediary will contact you to arrange a time to handle the transfer and go to the Housing Authority (real estate registration center) in your district.

Submit the materials and then pay the transaction tax such as tax, deed tax and individual tax. So get the tax money ready before the transfer, and the agent will let you get the agency fee ready today. At that time, we went to the intermediary company to pay the agency fee before we went to handle the transfer. About11-120,000 was spent that day. After paying the money, you can't get a new real estate license right away. It takes five working days to get a new card.

10. Get a new real estate license.

After going through the formalities of handing over the house in the real estate registration center, you can get a new certificate and a red copy in about 5 working days, take photos and keep the electronic version immediately, and then take it to the copy shop for scanning and copying, and make more copies, because it will be in the hands of the mortgage bank soon, and the time in hand is so short! In the future, you can only get a copy of the certificate when you go through the formalities related to real estate, and you can't see it until you repay the loan. When you leave the real estate registration center, the intermediary and mortgagor will take you to the bank for mortgage procedures. After finishing the mortgage, just wait for the final payment at home, and don't forget to redeem the interest on the house. After the final payment is issued, the charge will be closed.