I. Materials required for handling second-hand housing loans:

1. Original and photocopy of ID card;

2. The original purchase contract or letter of intent signed with the seller;

3. The original and photocopy of the down payment certificate;

4. Proof of marital status: original and photocopy of marriage certificate/divorce certificate/unmarried certificate;

5. The original and photocopy of the household registration book;

6. Original credit certificate (using the standard format provided by the bank).

Due to the complicated income situation of the borrower, the staff may require the original and photocopy of other relevant certification materials. If the borrower is a self-employed, the staff can provide a copy of the business license, the tax payment certificate for the last three months, the property right certificate of the business premises or the lease contract;

If the borrower is the legal representative, responsible person or shareholder of the enterprise, it shall produce a copy of the business license, articles of association, recent balance sheet and tax payment certificate;

If the loan applicant indicates that there are other sources of income other than wage income, relevant certification materials shall be submitted. Such as interest income, certificates such as certificates of deposit and treasury bills should be provided; Housing rental income, should provide housing property certificate or lease contract; For investment income, the investment certificate, dividend resolution and payment voucher of the invested entity shall be provided.

7. Other information required by the bank.

Two. Taxes and fees paid for second-hand housing loans:

1, business tax (seller): Starting from May, 2065438 1, a nationwide pilot program of business tax reform will be launched, and the construction industry, real estate industry, financial industry and life service industry will all be included in the pilot scope. This policy for second-hand housing transactions, in addition to changing the unified invoice for real estate sales to VAT invoice.

According to the regulations, individuals will purchase houses for less than 2 years for external sales, and pay VAT in full at the rate of 5%. Individuals will purchase houses for more than 2 years for external sales, exempt from value-added tax (except for Beishangguangshen and Shenzhen); Individuals in the northern, Guangzhou and Shenzhen areas who have purchased non-ordinary houses for more than 2 years for external sales shall pay VAT at a reduced rate of 5% according to the difference between the sales income and the purchase price. The purchase of ordinary housing for more than 2 years for external sales shall be exempted from value-added tax.

2. Personal income tax: it will be levied when the purchased house is listed and traded for less than five years. There are two ways: ① the tax rate is 20%, which is levied according to the income from property transfer (transaction price-original house price-original deed tax paid-business tax paid-reasonable expenses); ② If the original purchase invoice cannot be provided, it will be levied at 1% of the transaction price. Seller's promise

3. Deed tax: 0/.5% for ordinary residence and 3% for non-ordinary residence, which shall be borne by the buyer; 4. Transaction fee: 6 yuan/m2, with each party paying half;

5. Stamp duty: the tax rate is 1‰, calculated according to the transaction price of normal transactions, each party shall bear half. 6. Registration fee: Ordinary second-hand houses belong to 80 yuan/suite and shall be borne by the buyer.

7. Land revenue (collected): collected at the time of transfer of housing reform, affordable housing and housing projects, and 2% of the normal transaction price of houses. To be borne by the seller.

8. Filing fee: 50 yuan/case.

9. Loan guarantee fee Loan amount × 1% guarantee company

10, appraisal fee ×0.5% appraisal company.

1 1. Agency fee: The fee charged by each agency is different, which shall prevail.

Third, the second-hand housing mortgage loan processing process:

(1) After the buyer and the seller sign the house purchase contract and pay the down payment, they apply for a loan from the bank. Fill in the loan application form (if married, both husband and wife are invited to come together), and the center staff will issue a loan commitment letter after approval, which will serve as the basis for the buyers to handle the loan procedures.

(2) To receive the receipt of the loan payment voucher of the loan contract with the original ID card, the required process is: acceptance counter (accepting loan application)-safe (handling insurance)-signature counter (signing loan contract)-notarization counter (handling contract notarization)-signature counter (receiving loan contract).

(3) After obtaining the loan commitment letter and handling insurance for the mortgaged house, you can sign a loan contract and mortgage contract with the bank with the above information, loan commitment letter, savings passbook and savings card of CCB to be used for repayment, credit card and insurance policy, and go through notarization procedures (if the buyer is married, both husband and wife need to come together).

If the husband and wife or one of them can't come to sign the contract in person, it is necessary to authorize the other party or a third party to handle the loan-related procedures on their behalf. The power of attorney must be notarized and the trustee has the right to entrust.

Note: handling second-hand housing loans is largely a procedural process. Banks have clear regulations on the process of second-hand housing loans, and buyers can handle them according to the requirements of banks. However, there is no guarantee that banks will not harm the interests of buyers in the process of handling second-hand housing loans, such as adding some unreasonable terms to the loan contract.