After the loan comes down, you can apply directly to the real estate bureau.

The first step in the process of purchasing commercial housing: signing the subscription book.

After the official sale of commercial housing begins, a sales office will generally be established. After the purchaser approves this project, he can sign the subscription book at the sales office and pay the deposit. The seller shall truthfully introduce the progress of the project to the buyer, and hand over the signing instructions, relevant publicity materials and legal documents to the buyer.

Signing the subscription book is a link in the commercial housing sales procedure. The main contents of the subscription letter signed by the buyer and the seller include:

(1) Name, address and telephone number of the developer; The name, address and telephone number of the sales agent; The name, address, telephone number and identification of the subscriber; The name, address and telephone number of the designated law firm.

(2) The floor where the property is subscribed; Huxing; Room number; Area.

(3) house prices. Including unit price; Total price.

(4) payment method. Including one-time payment; Installment payment; Mortgage payment.

(5) subscription conditions. Including: the amount of deposit; The time and place of signing the formal contract; Payment address and account, compensation method for breach of contract and dispute settlement method during the period from signing subscription to formal signing.

After the subscription book is signed, the seller should give the buyer "signing instructions" so that the buyer can understand the following links and relevant details of signing. The main contents of the signing instructions include:

(1) Project legal documents: state-owned land use certificate number and sales license.

(2) The valid identity documents that the purchaser should carry. Certificates that the company should carry, house purchase approval, etc.

(3) Payment method of house payment.

(4) Description of taxes payable for house purchase: stamp duty, deed tax, handling fee, property right registration fee, warrant cost and warrant stamp duty.

The second step in the process of purchasing commercial housing: signing a sales contract.

After the subscription book is signed, the purchaser shall sign a formal contract at the designated place within the time stipulated in the subscription book. Contracts include: domestic commercial housing sales contracts, domestic commercial housing pre-sale contracts, export commercial housing sales contracts, export commercial housing pre-sale contracts, affordable housing sales contracts, etc.

Signing a sales contract is the most important part in the whole procurement procedure, and the contract is also the most important legal document in sales. The contract is generally in quadruplicate, with two originals, one for the developer and one for the purchaser. Two copies, one for the developer and one for the local housing management department. The main terms of the contract include:

(1) Land use certificate number and service life

(2) Commercial house sales license number

(3) The name and type of the property purchased by the purchaser.

(4) Floor, area, room number, apartment type and delivery date of the shopping industry.

(5) house prices. Including unit price and total price

(6) Method of payment

(7) Default clauses of both parties

(8) Warranty terms

(9) The buyer accepts the management terms of the property management company.

(10) Pre-sale registration

(1 1) house transfer

(12) house transfer

(13) disputes and dispute resolution methods

(14) Annex I: Floor Plan

(15) Annex II: Decoration Equipment Standards

(16) Annex III: * * * * Where there is a * * * used part, the Buyer and the developer can also sign supplementary clauses on other contents.

The third step of commercial housing purchase process: pre-sale registration

The contract has legal effect only after the seller and the buyer complete the pre-sale registration. The Buyer and the Seller shall go to the market office of the Housing and Land Administration within 30 days after signing the Contract. At the same time pay stamp duty. During this period, if the buyer transfers the purchased property, the buyer and the transferee shall endorse the contract. Within/0/5 days from the date of endorsement, both parties shall go to the market place with relevant documents to handle the transfer registration and sign the transfer registration application form, and the market place shall notify the seller within/0/0 days from the date of transfer registration.

The fourth step of the commercial housing purchase process: sign the management convention and go through the check-in procedures.

After the buyer pays the house price according to the relevant terms of the contract, the developer will inform him to move in and arrange for the buyer to contact the property management company. Property management companies will issue property management conventions and charging standards to property buyers. Property buyers and property management companies signed a management convention, pay management fees, you can take the key to stay.

The fifth step of the process of purchasing commercial housing: handle the transfer of property rights and get the real estate license.

Third, the taxes and fees to be paid for buying a house.

(1) Taxes and fees payable for the purchase of commercial housing:

1, deed tax, 3-5% of the total purchase price (the tax rates of different provinces, municipalities and autonomous regions are different), and ordinary commercial housing is halved, that is, 1.5-2.5%.

2. Stamp duty, 0.05% of the total purchase price.

(2) Funds:

1, housing maintenance fund, accounting for 2-3% of the total purchase price, and 2% in most places.

2, non-staple food price adjustment fund, 2 yuan/square meter, some places do not use.

(3) cost

1, transaction fee, 0.5% of the total house purchase price, 0.25% for the buyer and 0.25% for the seller (residential 3 yuan/m2, paid by the developer, not by the buyer).

2. The real estate license fee varies from place to place, but it does not exceed 100 yuan.

3. The cost of land use right certificate varies from place to place, but it does not exceed 100 yuan.

(4) If mortgaged, the following expenses will also occur.

1, appraisal fee, 0.2-0.5% of the total purchase price.

2. Insurance premium: the total purchase price multiplied by the loan term multiplied by 0. 1% multiplied by 50%.

3. Notarization fee, the loan amount multiplied by 0.03%.

4. Mortgage registration fee, 100 yuan.