2. On-site house inspection The buyer and the seller agreed on the date and went to see the house together on the agreed date. Buyers will inspect the house, surrounding environment and community according to their own needs, and check the documents provided by the seller to determine the purchase intention.
3. Signing a contract If the buyer agrees to buy a house, the buyer and the seller can sign a sales contract. After the buyer and the seller reach an agreement on the location, property right status, sales price, delivery time, delivery method and property right handling of the house, the buyer pays the down payment to the seller and signs at least three house sales contracts. If the buyer doesn't want to sign a sales contract directly, he can also sign a deposit agreement after paying the deposit, set a date, pay the down payment and sign a formal sales contract.
4. After signing the sales contract with the seller and paying the down payment, the buyer applying for the loan can mortgage the purchased property and related rights and interests to the bank, and the bank will provide the loan to the buyer as the purchase price except the down payment. However, if the house sold by the seller has not paid off the loan, the buyer needs to ask the seller to pay off the loan and cancel the mortgage before handling the loan and other related matters.
5. After signing the loan contract, the buyer should provide the bank with ID card, income certificate, house sales contract, letter of guarantee and other necessary documents. After the loan bank is approved, it will sign a mortgage loan contract with the property buyers, notarize the registration of real estate mortgage, and agree to transfer the funds into the designated account within the time limit stipulated in the contract.
6. Transfer of taxes and fees The buyer and the seller apply to the real estate management department for transfer, and pay taxes and fees such as deed tax, individual tax and value-added tax as required. The management department accepts the application, reviews the relevant documents, and grants the transfer procedures for houses that meet the listing conditions. Those that do not meet the requirements will be eliminated and listed transactions will be prohibited.
7. After the property management department completes the registration of property right change, the buyer and the seller who have obtained the property right certificate will hand over the transaction data to the issuing department, and the buyer will apply for a new property right certificate in the issuing department with the Notice of Obtaining the Property Ownership Certificate. After the seller delivers the house and settles all the property fees, the transaction process of the second-hand house ends.
Expenses required for second-hand housing transactions in Zhengzhou City
A, property registration fee:
1. Residence: 60 yuan/Suite.
2. Non-residential: 400 yuan/piece.
II. Cost of drawing materials: 20 yuan/household.
III. Transaction costs:
1. Residence: affordable housing, reform house: 3 yuan/m2; Others: 6 yuan /m2.
2. Non-residential: 0.5%. (4) Deed tax (collected by Zhengzhou Local Taxation Bureau: 4%.
3. The inherited house is exempt from deed tax. (5) Land income and land transfer fee (collected by Zhengzhou Finance Bureau: Land income is only paid when the unit house is sold, and it is collected by lot and area of the house. The whole city is divided into eight lots, and the collection standard is 6.
33 yuan/m2. Land transfer fee: it is only paid when housing reform and affordable housing are sold, and it is charged according to the lot and the shared construction area of the house. The city is divided into eight lots, and the collection standard is 14- 100 yuan/square meter. (6) Business tax, personal income tax, land value-added tax and stamp duty (collected by Zhengzhou Local Taxation Bureau)
Legal basis:
"People's Republic of China (PRC) City Real Estate Management Law"
Thirty-eighth the following real estate may not be transferred:
(a) the acquisition of land use rights by means of transfer does not meet the conditions stipulated in Article 39 of this Law;
(two) the judicial organs and administrative organs have ruled or decided to seal up or restrict the real estate rights in other forms according to law;