First, Chongqing second-hand housing transfer process and cost standard
1, Chongqing second-hand housing transfer process
(1) Looking at the house
Before buying a second-hand house, the first thing is to look at the house through an intermediary. Before viewing the house, more formal intermediary companies will require customers to sign the viewing agreement in advance. The so-called viewing agreement is also a guarantee to prevent customers from climbing over the wall.
(2) Agreement price
After determining the intention to buy a second-hand house, it is necessary to negotiate the price and sign a contract. This buyer's contract is only binding on the customer, that is to say, if the price and various additional conditions of the house valued by the customer meet the buyer's expectations, the buyer must buy the house, otherwise, the earnest money will not be refunded.
(3) Second-hand housing transfer preparation
After signing the purchase contract, you can officially transfer the ownership. There are many materials to be prepared before transfer. Two originals and photocopies of the ID cards (names on the property ownership certificate) of the buyer and the seller, and two originals and photocopies of the property ownership certificate. The bank card is for personal use (changing rooms to pay taxes, and online self-service payment only requires the bank card number). Buyers and sellers also need to be present, and customers need to add a proof of income in addition to the above information. After the mortgage signing is successful, wait for the mortgage approval.
(4) Complete the transfer
After the mortgage is passed, both parties prepare all the information and handle the transfer. The customer will pay the seller the full deposit. The real estate management department shall review the relevant documents provided and make a written reply on whether to accept the application within 7 days. If no written reply is given within 7 days, it shall be deemed as acceptance. The real estate management department shall go through the formalities of housing ownership registration and issue a certificate of real estate ownership. The entire second-hand housing transfer process is over.
2. transfer fees standard for second-hand houses in Chongqing.
When you buy a second-hand house in Chongqing, you need to charge a certain fee when you transfer. The specific costs are as follows:
(1) Deed tax: 3% of the house price (1.5% for the area below 44 square meters and 1% for the area below 90 square meters, which is the first suite).
(2) Stamp duty: 0.05% of the house price.
(3) Transaction cost: 3 yuan square meters.
(4) Surveying and mapping fees: according to the specific regulations of each district.
(5) Ownership registration fee and evidence collection fee: According to the specific regulations of each district, it is generally around 200 yuan.
Second, Chongqing second-hand housing transfer tax policy
When buying a second-hand house in Chongqing involves transfer, there will be certain taxes and fees. Different taxes and fees are charged according to different standards. Next, let's take a look at Chongqing's second-hand housing transfer tax policy.
(1) deed tax
Deed tax is a kind of property tax levied on real estate with changed ownership, which should be paid when buying a house.
65438+ transaction price of the first suite with an area of less than 90 square meters is 0%;
The first suite with an area of 90- 144 m2, accounting for1.5% of the transaction price;
Others: 3% of the transaction price.
(2) Business tax (paid by the buyer)
Business tax is generally paid for buying a house. Individuals who sell and buy ordinary houses for more than 2 years (including 2 years) are exempt from business tax.
If the real estate license is less than 2 years old and the area exceeds 140_, pay 5.6% of the total house price;
If the real estate license is less than 2 years old and the area is below 140_, 5.6% of the difference will be paid;
5.6% of the real estate transaction profit shall be paid if the real estate license is over 2 years and the area exceeds 140_;
Property ownership certificates with an area of less than 2 years and below 140_ shall be exempted.
(3) Personal income tax
Personal income tax is paid for buying a house. Personal income tax payable is 1% of taxable value (or 1.5%, 3%), and the specific standards are based on ordinary housing 1%, non-ordinary housing or non-residential real estate 1.5%, and auction real estate 3%. Personal income tax shall be exempted for individuals who transfer their personal use for more than 2 years and are family houses.
(4) Stamp duty
Stamp duty is a tax levied on contracts or documents with contractual nature, transfer of property rights, business account books, rights, licenses and other documents recognized by the Ministry of Finance, and paid by the buyer and the seller at 0.05% respectively.
(5) Land
Approved expropriation: amount of land payable = taxable value of approved expropriation rate. General urban land requisition standards: shops, offices, hotels 10%, other non-residential 5%.
3. How long does it take to get the certificate after the second-hand house in Chongqing is transferred?
1. According to the news of 65438+20201October 9, Chongqing deepened the reform of real estate registration, and the transfer of second-hand houses was completed on the spot, and the certificate was obtained on the spot. The city's real estate registration service hall has been adjusted and a comprehensive window has been set up. Enterprises and the masses can register, trade and pay taxes on real estate in one window at a time, and do it on the spot and collect it on the spot.
2. It turns out that it takes a long time to get the certificate after the transfer of the second-hand house in Chongqing. It takes 1-5 working days depending on the region. The notice of acceptance issued by the general real estate registration center after the transfer is completed has the time to receive the certificate, so you can check it. But now the efficiency has accelerated, and the citizens have praised and supported it.
3. After the transfer of the second-hand house in Chongqing, the lending time of the loan is generally automatically transferred to the seller's account after completing the property certificate. Friends who need loans can learn more about it.
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