One,
How much is the agency fee for second-hand houses?
The second-hand housing agency fee is the service fee paid to the intermediary when the second-hand housing transaction is carried out through the housing agency company. The general agency fee is 3%-5% of the house transaction price. Both sellers and buyers need to pay fees to the intermediary. At present, there is no uniform provision for intermediary service fees, which are generally collected according to the habits in the industry. The agency fee for second-hand houses is calculated by stages: 65,438+0.25% of 500,000; 0.875% of more than 500,000; /kloc-0.5% of 0/10,000; More than 200 0.325%. At present, regular real estate agents generally charge 2-3% of the transaction price, while small intermediary companies generally charge 1- 1.5%, and sometimes they try to charge if they can't receive it. Because they all receive their own net income.
Second, the second-hand housing mortgage transfer process
1. Seller:
The certificates to be issued by the seller include: a copy of the property right or a copy of the house purchase contract, loan contract, mortgage contract and notarial certificate. The seller will also go to the accounting cabinet of CCB to find the balance list to see if there is any debt that should be paid back at present, and how much money is owed to the bank so far, that is, the loan repayment certificate, and the original debtor has no outstanding loan principal and interest; If married, the seller must also issue the ID card, household registration book and marriage certificate of both husband and wife issued by the competent department.
2. Buyer:
The Buyer and the Seller and the * * * person shall fill in the Approval Form for Loan Creditor's Rights Transfer Application; The buyer and the seller sign the creditor's rights transfer agreement; The buyer has legal residence status and full capacity for civil conduct, and submits a loan application form. Married, the identity cards, household registration books and marriage certificates of both husband and wife; The buyer will also issue an income certificate to prove that you have a stable economic income and the willingness and ability to repay the principal and interest on a monthly basis. The income must be three times the monthly contribution. The loan amount takes the loan balance on the debt transfer date as the loan principal for debt transfer.
3. Transfer fees for mortgaged second-hand houses:
In principle, the loan term does not change the loan term, interest rate, repayment method and repayment plan agreed in the original loan contract. If there is property right, go to the Housing Authority to cancel the property right, re-apply for transfer and re-mortgage; If the contract mortgage needs to be renamed to the developer, in principle, the bank advises the developer not to charge the buyer's fee; Housing Authority will collect transfer tax. In addition to the deed tax, stamp duty, registration fee and transaction fee of ordinary second-hand housing transactions, the specific expenses also involve the mortgage transfer fee, mortgage guarantee fee, evaluation fee, insurance fee, lawyer's witness fee and other expenses of the bank in the process of "remortgage".