1. Repay the loan in advance. The seller first calls the bank to make an appointment to repay the loan in advance. The bank will call you in about three working days and ask the seller to pay off the arrears first, so that the house can be thawed. To trade. If the seller can't repay himself, you can negotiate, but it is also risky for you to help the seller repay in advance. Now, you have paid him nearly 20% in advance.

2. Then transfer. Buyer and seller, husband and wife, ID card, household registration book, marriage certificate, go to the real estate bureau together.

What does the name change fee mean? Is it a contract room? If it is a contract house, follow the normal procedure, that is, the seller will issue his own two certificates first, and then transfer the ownership. The seller's fee for two certificates is two points of deed tax plus two points of maintenance fund and four points of one * * *. Then the transfer fee is deed tax 1.5, individual tax 1 minute, difference business tax 5.8, miscellaneous fee 0.3 and loan guarantee fee.

If it is not a contract house and there are two certificates, then only deed tax 1.5, individual tax 1 minute, difference business tax 5.8, plus miscellaneous fees and loan guarantee fee 0.3.

If there is no loan, you can get all the documents in half a month. If you want a loan, you have to go to the bank for a face-to-face interview before transferring the money. It will take about 25 days to complete.

4. After finishing the account, you take two certificates, otherwise it will be over, and you will have to transfer water, electricity and gas.

After all the formalities are completed ~ this house is yours!

I have been doing real estate for more than three years, and I still know this very well.

I'm tired of writing. Do you want to give points?

Two certificates refer to the house ownership certificate and the land use certificate.