What is the transfer process of second-hand housing transactions in Wuhan? How many working days does each process take?

Second-hand housing transfer process mainly has the following four steps:

1. There is no loan between the buyer and the seller: the buyer and the seller agree on a contract signing date; Pay the down payment to the seller within three working days after signing the general contract; And set the time for the real estate to enter the trading center. On the day of entering the trading center, the seller shall pay all the house payment except the final payment. After 20 working days, get a new real estate license; With the new real estate license, handle the property handover procedures, transfer the water, electricity and coal, and finally settle the balance to the seller when handing over the house.

Second, the seller has not paid off the loan: the buyer and the seller agree on a contract signing date; Within three working days after the signing of the general contract, the down payment shall be paid to the intermediary company for supervision; The seller, the buyer and the intermediary company witnessed the repayment of the outstanding bank loan of the landlord. After 7 working days, the bank loan ends, and both parties agree on a time for a real estate to enter the trading center; On the day of entering the trading center, the seller shall pay all the house payment except the final payment.

After 20 working days, get a new real estate license; Handle the handover procedures of real estate with the new real estate license and transfer the ownership of water, electricity and coal; Finally, when the house is delivered, the buyer pays the final payment to the seller.

Third, the buyer's loan to buy a house: first, review the buyer's loan amount and credit standing; After the verification is correct, both parties reach a sales agreement. The buyer and the seller agree on the date of signing the contract; Within three working days after the signing of the general contract, the buyer shall pay the down payment to the seller; The buyer signs a loan agreement with a loan company or bank; After the loan review is completed within 7 working days, both parties agree on the time when the property will enter the trading center; Get a new real estate license after 20 working days in the trading center; Bank loans to sellers with new real estate licenses; Handle the handover procedures of real estate with the new real estate license and transfer the ownership of water, electricity and coal; Finally, when the house is handed over, the buyer will settle the balance with the seller.

4. Both the buyer and the seller have loans: first, review the loan amount and credit standing of the buyer; After the verification is correct, both parties reach a sales agreement. The buyer and the seller agree on the date of signing the contract; Within three working days after the signing of the general contract, the buyer will pay the down payment to the intermediary company for supervision; The Seller, the Buyer and the intermediary company witness to pay off the outstanding bank loan of the Seller; After 7 working days, the bank loan is concluded, and the buyer signs a loan agreement with the loan company or bank; After the loan review is completed within 7 working days, the buyer and the seller agree on the time when a property will enter the trading center; Get a new real estate license after 20 working days in the trading center; Bank loans to sellers with new real estate licenses; Handle the handover procedures of real estate with the new real estate license and transfer the ownership of water, electricity and coal; Finally, when the house is handed over, the buyer will settle the balance with the seller.

Time required for transfer of real estate license:

If there is no problem with the materials, you must go to the real estate bureau to fill out some forms and a stock house contract. The amount on the stock contract must be the same as that on the contract. After the materials are submitted to the real estate bureau, there will be a receipt, and the tax must be paid on the date mentioned above, which usually takes about 15 working days. After paying the tax, I'll wait in line there to get a new real estate license. The time limit for handling the real estate license is 10 working days (from the day after accepting the registration).

Fees to be paid for the transfer of second-hand houses:

Transaction tax * * * covers 8 taxes, mainly including deed tax, business tax, stamp duty, urban construction tax, personal income tax, land value-added tax, education surcharge and local education surcharge. The collection rate of various taxes varies from region to region, but there is little difference.

1, deed tax: the basic tax rate is 3%, and the preferential tax rates are 1.5% and 1%.

The expropriation rate of ordinary houses is 65438+ 0.5% of the transaction price, and the expropriation rate of non-ordinary houses is 4% of the transaction price. Specific collection ratio: ordinary houses below 90 square meters (65438+ 0% for the first set and 3% for the second set); 90 to 140 flat ordinary houses (1 set 1.5%, 2 sets 3%); Unusual houses such as villas (4% of the transaction price).

2. Business tax: the tax rate is 5.5%.

According to the 20 10 new real estate policy, for non-ordinary houses sold for less than five years, for non-ordinary houses sold for more than five years, or for ordinary houses sold for less than five years, business tax will be levied in full according to the difference between the two transactions, and for ordinary houses sold for more than five years, business tax will be exempted.

Step 3 stamp duty

First, the proportional tax rate, which is 0.05% for real estate property right transfer documents and 0.03% for housing lease contracts and real estate sales contracts;

The second is the fixed tax rate, which is applicable to the real estate title certificate, including the house title certificate and the land use certificate. The tax rate is per 5 yuan.

4. Individual income tax: the tax rate is 65438+ 0% of the total transaction amount or 20% of the difference between the two transactions, which shall be borne by the seller.

Conditions for collection Individual housing transfer income tax shall be paid for the sale of non-unique houses by families. There are two conditions here: the only house in the family; The purchase time is over 5 years. If both conditions are met at the same time, individual income tax can be exempted; If you don't meet any conditions, you have to pay personal income tax.

Note: If it is the only residence of the family, but the purchase time is less than 5 years, it needs to be paid in the form of tax deposit first. If you can re-purchase the property and obtain the property right within one year, you can refund the tax deposit in whole or in part, and the specific refund amount will be refunded according to the lower transaction price of two houses.

5. Urban construction tax, education surcharge and local education surcharge.

Such taxes are levied on the basis of business tax, and urban construction tax, education surcharge and local education surcharge are paid according to 7%, 3% and 1% of the actual business tax respectively.

Note: Fund supervision is beneficial to both buyers and sellers of second-hand houses. It is provided by an independent third party (fund supervision institution/bank) to protect the interests of both parties, avoid disputes over the sale of second-hand houses and reduce the transaction risk of second-hand houses.

References:

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