2. Prepare the down payment and freeze it.

3. Appraisal of appraisal company (issue appraisal report)

4. Apply for a loan from the bank and wait for the bank's approval.

5. Sign online

6. Transfer of Real Estate Trading Center

7. Pay taxes and get a license

8. The bank unfreezes the payment.

9. Mortgage registration

10, property handover, water and electricity handover

1 1, land certificate search (for land certificate)

If it is a one-time payment, cancel Item 3, Item 4 and Item 2 of Item 9 and change it to "Prepare to buy a house".

Taxes payable by the buyer:

1, deed tax: 65438+ 0.5% of the house price (3% for areas above 144 square meters, and 1% for areas below 90 square meters).

2. Transaction cost: 3 yuan/m2.

3. Surveying and mapping fee: according to the specific regulations of each district.

4. Registration fee and evidence collection fee: According to the specific regulations of each district, it is generally around 200 yuan.

Taxes payable by the seller:

1, transaction cost: 3 yuan /m2.

2. Business tax: the difference is 5.5% (the real estate license is less than 5 years).

3. Personal income tax: 20% of the transaction profit of real estate or 1% of the house price (the real estate license is over 5 years and the only house is exempt).

Legal basis:

Article 7 of the Regulations on the Administration of Urban Real Estate Transfer

Article 7 The transfer of real estate shall be handled in accordance with the following procedures:

(a) the parties to the real estate transfer signed a written transfer contract;

(two) the parties to the real estate transfer shall, within 90 days after the signing of the real estate transfer contract, declare the transaction price to the real estate management department where the real estate is located with the real estate ownership certificate, the legal certificate of the parties, the transfer contract and other relevant documents;

(three) the real estate management department to review the relevant documents provided, and make a written reply whether or not to accept within 7 days, 7 days without a written reply, as agreed to accept;

(four) the real estate management department to verify the declared transaction price, and according to the need to conduct on-the-spot investigation and evaluation of the transferred real estate;

(five) the parties to the transfer of real estate shall pay the relevant taxes and fees in accordance with the provisions;

(six) the real estate management department shall go through the formalities of housing ownership registration and issue the certificate of real estate ownership.