What are the procedures for buying a second-hand house in Xining? What expenses does the buyer pay? House146.4m2, with a total price of 83W.

Xining second-hand housing transfer procedures are divided into two situations: the buyer's mortgage loan payment and the buyer's full purchase. The specific procedures are as follows:

First, the buyer mortgage loan to buy a house

1. Bank credit (go to the People's Bank to check the buyer's credit);

2, housing property survey (survey whether the property is mortgaged, sealed, property analysis, inheritance, * * owners);

3. Pay the down payment to the seller and reserve the balance of the house payment;

4. When the house is transferred, the bank will review the loan conditions;

5. The bank issues loans to the seller's account;

6. Both parties jointly deliver the property (water, electricity, gas, heating and property fees, and the original owner's account must be moved out);

7. Pay the final payment to the seller.

Second, the buyer buys the house in full.

1, property right survey (to investigate whether the property is mortgaged, sealed up, analyzed, inherited and owned by * * *);

2. The buyer pays the down payment to the seller;

3. Both parties shall handle the house transfer together;

4. Both parties jointly deliver the property (water, electricity, gas, heating and property fees, and the original owner's account must be moved out);

5. The buyer shall pay the seller in full.

According to the latest regulations of the Ministry of Finance on March 30, 20 15, the handling fee for the transfer of second-hand houses in Xining, Qinghai Province will be exempted from business tax for five to two years from March 30, 20 15. At the same time, according to the different situations of both parties to the transaction, the specific tax and fee details are as follows:

1. deed tax: (generally paid by the buyer, unless otherwise agreed by both parties)

Deed tax is paid at 3%;

2. Business tax: (generally paid by the seller, unless otherwise agreed by both parties;

2. If the real estate license is less than 2 years, the business tax shall be paid at 5.55%;

3. If the house area exceeds 144 square meters and the real estate license has expired for 2 years, the difference shall be paid. The calculation formula is: (last purchase price-current sale price) * The tax rate is 5.55%.

Three. Personal income tax: (generally paid by the seller, unless otherwise agreed by both parties)

1. The only property under the name of the seller's husband and wife is exempt from personal income tax after the property ownership certificate has reached five years.

2. If the non-unique property or real estate license under the name of the seller's husband and wife is less than 5 years old, it shall be paid by 1%.

3. The store pays the price difference, and the calculation formula is: (last purchase price-current selling price) * tax rate is 20%.

Fourth, other expenses are relatively small:

Transaction cost: 6 yuan/square * number of rooms.

Production cost: one certificate of 80 yuan; Two certificates 90

Appraisal fee: 0.5% of the total appraisal amount (bank loan is required).

Mortgage fee: 100 yuan (bank loan required)

Proof of purchase: 20 yuan generally needs to open 3 copies.

Standard of notarization fee: 300 yuan (if you can't handle it in person, you need to handle this business fee).