(A) the second-hand housing transaction process

Step 1: Prepare to buy a house.

1. Make a good financial plan.

Determine the maximum amount that can be deposited, and clarify the difference between commercial loans and provident fund loans. If you buy a second-hand house, in addition to the house payment, you should also consider taxes, property management fees, agency fees and decoration fees. In addition, it is necessary to count the available funds of the family, including deposits and wealth management funds, to see if the down payment is enough.

2. Initially define the area of buying a house.

If the down payment is small, go to the suburbs to find it. If you are more concerned about the distance between the house and the work place, the bus lines within 30 minutes can generally meet the demand.

If there are elderly people at home, consider the interval between housing and hospital. If you have children, you should study the results of the surrounding schools.

3. Look at the qualifications for buying a house

In many areas, cash is restricted, so before buying a house, don't forget to check whether I am qualified to buy a house, so as not to waste my effort.

Step 2: Look at the house and choose a house.

1, find a house

There are two basic ways to find housing:

One is to find a house through an intermediary store, choose the store in your intended area, tell them your purchase budget, and ask the broker to help you check the price, see the apartment type and make a field trip.

The other is to choose a house online. When choosing a house, you should pay attention to whether the picture of the house is flawed or not, and whether the price is biased. Don't trust the online quotation. Find an inquiry from a nearby intermediary company before buying.

Step 2 look at the house

On-the-spot investigation of houses mainly includes floor, apartment type, orientation, lighting, area, height and decoration, as well as the present situation of surrounding and residential areas, living facilities, community greening, surrounding traffic and property management.

Step 3: sign the agreed house.

You need to verify the property rights of the house before signing the contract. Once the house is sealed up or mortgaged, it cannot stop buying and selling. See if there is any difference between the property owner's ID card and the real estate license. If there is no disagreement, see if the other party can provide a notarized power of attorney and the original ID card of the property owner.

In addition, remember to write all important matters into the contract, including the amount of down payment, the amount of down payment, the method of payment, the time and conditions of receiving down payment, the time and conditions of transfer, the time of transfer, and the disposal method of equipment in the house.

Step 4: collect the house payment.

If you buy a house in full, this link is more complicated. Deposits are divided into commercial deposits, provident fund deposits and portfolio loans. Generally speaking, commercial deposits are the fastest and portfolio deposits are the slowest.

If it is a deposit, it is necessary to find out the conditions of the deposit and see if there is any stain on the credit information of the other group, whether the proof of expenditure is sufficient and whether the house is too old.

Step 5: Pay taxes and transfer ownership.

Before paying taxes, you need to know the tax items of different housing attributes. Second-hand commercial housing needs to pay deed tax, value-added tax and individual tax, while second-hand commercial housing needs to pay deed tax, value-added tax, group income tax, stamp duty and land value-added tax.

After paying taxes, the house can be transferred. Just like paying taxes, the operating rules vary from place to place, some need to be booked, and some don't. Please consult before operation.

Step 6: Property delivery

Property delivery includes water, electricity and gas inspection and expense settlement; Heating agreement change and heating fee settlement; Property agreement change and property fee settlement; Cable TV transfer, cable TV fee and telephone bill settlement; Move out of the account; Delivery of indoor equipment, etc.

(B) Second-hand housing transaction costs

1, deed tax (to be paid by the buyer)

According to state regulations, the sale of houses, whether commercial houses or stock houses, must pay deed tax to the state. For residential buildings, the deed tax shall be paid at 1%-3% of the total house price, and the specific proportion shall be determined according to relevant national policies, purchase time, purchase unit price, purchase area, whether to purchase 1 time, etc. Non-residential houses are paid at 3% of the taxable reference price.

According to the notice of preferential deed tax policies implemented since 20 10, 10 and 1, if an individual purchases an ordinary house and the house belongs to the only house of a family (including the purchaser, spouse and minor children, the same below), the deed tax will be levied by half. If an individual purchases an ordinary house of 90 square meters or less, and the house belongs to the only family house, the deed tax shall be levied at the reduced rate of 1%. If the house purchased at one time is less than 90 square meters, it shall be levied at the tax rates of 1%, 90-140m2, 1.5%,140m2 and above, with the tax rate of 3%; The second purchase is 3%, regardless of region.

2. Business tax (to be paid by the buyer)

This business tax consists of urban maintenance and construction tax, education surcharge, local education surcharge and sales business tax, and the tax rate is 5.6%. Individuals who purchase ordinary houses for more than 2 years (including 2 years) are exempt from business tax, as follows:

If the real estate license is less than 2 years old and the area is larger than140m2, 5.6% of the total house price shall be paid;

If the real estate license is less than 2 years old and the area is below140m2, 5.6% of the difference shall be paid;

5.6% of the real estate transaction profit shall be paid if the real estate license is more than 2 years and the area is more than140m2;

Property ownership certificate with an area less than140m2 shall be exempted for 2 years.

3. Personal tax (paid by the buyer)

Approved collection method: personal income tax payable = tax payable × 1% (or 1.5%, 3%). The approved collection rate of individual income tax on individual housing transfer in our city is: 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 have been transferred for personal use for more than 2 years and are the only residence of the family.

4. Stamp duty (0.05% for both parties)

Stamp duty is a kind of tax levied on contracts or documents with contractual nature, property rights transfer documents, business books, rights, licenses and other documents determined by the Ministry of Finance.