How long does it take to transfer the second-hand house?

The time required for full purchase and loan purchase is different, and there are also differences in different places. General details are as follows:

First, the full purchase, about 7 days.

1, house inspection, the buyer and the seller reach an agreement and pay the house purchase deposit: 1 day.

2. Down payment for house transfer: 1 day.

3. Pay taxes and get a new real estate license: 4 working days.

4. Final payment of property delivery and payment: 1 day.

Two. Buying a house by loan takes about 20 working days.

1, house inspection, the buyer and the seller reach an agreement and pay the house purchase deposit: 1 day.

2. Submit the loan application and sign the loan contract: 1 working day.

3. Property appraisal and third-party guarantee: 1-2 working days.

4. Bank approval: 5 working days.

5. Down payment for house transfer: 1 working day.

6. Pay taxes and get a new real estate license: 4 working days.

7. It takes 3 working days for the bank to receive the loan contract and mortgage registration.

8. Bank loan to the seller, property delivery and final payment: 3-5 working days.

Tax standard

1, deed tax

Ordinary residence:

Less than 90 square meters: total price * 1%,

90-144m2 (interior 120): total price * 1.5%.

/kloc-more than 0/44 square meters (suite 120) or non-ordinary residence: total price *3%,

Property right of commercial house or company: total price *3%

From May 20 14, Chongqing cancelled the deed tax exemption policy for the first purchase of houses below 90 square meters in agricultural registered permanent residence.

2. Personal income tax

Ordinary residence: total price * 1% or (total price-cost) *20%.

The income from gift or inheritance is levied at *20% of the total price.

If the house has been purchased for 5 years and it is the only room in the family, it will be exempted.

3. Business tax and surcharges

Ordinary residence: total price *5.6%

/kloc-less than 0/44 square meters (less than 120) is subject to full business tax for less than 2 years, and will be exempted after 2 years.

Business tax shall be levied in full for those who have purchased 144 square meters or more (suite 120) for less than 2 years, and for those who have been purchased for 2 years, business tax shall be levied according to the difference between their sales income and the purchase price of the house.

Surcharge refers to urban construction tax and local education surcharge.

4. Stamp duty: total price *0.05%

Transaction fee collection standard

1. Transaction cost: 3 yuan for both parties *.

2. Transaction registration fee: 80 yuan.

3. Seal of certificate: 5 yuan

4. Land cost and drawings: 90.8 yuan.

other

If the nature of the land is "allocated", it is necessary to pay the land income: land grade coefficient * construction area, and the land grade coefficient is inquired in the Bureau of Land and Resources.