Go to the bank to confirm the buyer's loan qualification, and write down your loan account number when approving. After the approval, let the customer transfer the full amount except the loan at the same time (this process is risky, and the general real estate trading center will have a notary office, so if you are not at ease, go to the card), and then wait for the bank to lend money.
Second, the process of selling second-hand houses to loan buyers?
Second-hand housing transaction process
Full payment:
1. The buyer and the seller reach an agreement, sign a contract and pay the deposit.
2. Prepare materials to transfer to the Housing Authority for tax returns and pay down payment.
3. Deliver the property and pay the balance.
Mortgage loan:
1. The buyer and the seller reach an agreement, sign a contract and pay the deposit.
2. Apply to the bank for mortgage advance loan.
3. After the approval of the bank, prepare all materials to go to the Housing Authority for transfer and tax declaration, and pay the down payment.
4. After issuing a new certificate, apply to the bank for mortgage registration.
5. After the bank lends money to the seller, it delivers the property and pays the final payment.
6. Repay the principal and interest of the bank loan
Second, the information to be prepared.
The buyer, his spouse, the property owner and his spouse shall hold the following documents.
1, identification (ID card, temporary id card, military officer's card, China passport, etc. )
2. Marriage certificate (unmarried certificate, marriage certificate, divorce certificate, divorce mediation book, divorce judgment, etc.). )
3. Household registration certificate (household registration book, collective account page, household registration certificate, etc.). )
4, proof of work (proof of work income, bank details, loan demand)
5. Purchase contract
In addition to the above information (except the work certificate), the property rights of the seller and his spouse need to be increased.
1, real estate license or house ownership certificate and state-owned land use right certificate
2. Purchase deed tax invoices, deed tax completion certificates and real estate invoices.
Third, what is the specific process of buying and selling second-hand houses? How to pay taxes on buying and selling second-hand houses?
Now real estate is a very popular industry, but because of the high housing prices, many properties are highly competitive, and many people often can't afford it, or the original properties don't meet our current needs, so we need to buy and sell second-hand houses. Then, what materials do you need to prepare for the sale of second-hand houses? What kind of process is there? Do I need to pay taxes on the sale of second-hand houses? How to pay taxes on buying and selling second-hand houses? Now Bian Xiao will popularize the specific process of second-hand housing and how to pay taxes.
What is the specific process of buying and selling second-hand houses?
Second-hand housing transfer process mainly has the following four steps:
1. There is no loan between the buyer and the seller: the buyer and the seller agree on a contract signing date; Pay the down payment to the seller within three working days after signing the general contract; And set the time for the real estate to enter the trading center. On the day of entering the trading center, the seller shall pay all the house payment except the final payment. After 20 working days, get a new real estate license; With the new real estate license, handle the property handover procedures, transfer the water, electricity and coal, and finally settle the balance to the seller when handing over the house.
Second, the seller has not paid off the loan: the buyer and the seller agree on a contract signing date; Within three working days after the signing of the general contract, the down payment shall be paid to the intermediary company for supervision; The seller, the buyer and the intermediary company witnessed the repayment of the outstanding bank loan of the landlord. After 7 working days, the bank loan ends, and both parties agree on a time for a real estate to enter the trading center; On the day of entering the trading center, the seller shall pay all the house payment except the final payment.
After 20 working days, get a new real estate license; Handle the handover procedures of real estate with the new real estate license and transfer the ownership of water, electricity and coal; Finally, when the house is delivered, the buyer pays the final payment to the seller.
Third, the buyer's loan to buy a house: first, review the buyer's loan amount and credit standing; After the verification is correct, both parties reach a sales agreement. The buyer and the seller agree on the date of signing the contract; Within three working days after the signing of the general contract, the buyer shall pay the down payment to the seller; The buyer signs a loan agreement with a loan company or bank; After the loan review is completed within 7 working days, both parties agree on the time when the property will enter the trading center; Get a new real estate license after 20 working days in the trading center; Bank loans to sellers with new real estate licenses; Handle the handover procedures of real estate with the new real estate license and transfer the ownership of water, electricity and coal; Finally, when the house is handed over, the buyer will settle the balance with the seller.
4. Both the buyer and the seller have loans: first, review the loan amount and credit standing of the buyer; After the verification is correct, both parties reach a sales agreement. The buyer and the seller agree on the date of signing the contract; Within three working days after the signing of the general contract, the buyer will pay the down payment to the intermediary company for supervision; The Seller, the Buyer and the intermediary company witness to pay off the outstanding bank loan of the Seller; After 7 working days, the bank loan is concluded, and the buyer signs a loan agreement with the loan company or bank; After the loan review is completed within 7 working days, the buyer and the seller agree on the time when a property will enter the trading center; Get a new real estate license after 20 working days in the trading center; Bank loans to sellers with new real estate licenses; Handle the handover procedures of real estate with the new real estate license and transfer the ownership of water, electricity and coal; Finally, when the house is handed over, the buyer will settle the balance with the seller.
How to pay taxes on buying and selling second-hand houses?
buyer
Transaction cost 1: construction area of 3 yuan/m2.
2. Property registration fee:
Personal: 50 yuan/Zong; For every increase of 1 person, the income will increase 10 yuan;
Unit: 80 yuan/Zong
Non-residential: 550 yuan/family, income will increase 1 person/0 yuan.
3. Transaction deed tax:
(1) Purchase the only family housing and ordinary housing with a total construction area of less than 90 square meters: the evaluation price of local taxation bureau 1%.
(2) Purchase the only family house with a total construction area of more than 90 square meters and less than-144 square meters: the appraisal price of local taxation bureau 1.5%.
(The above should be based on the family, and the buyer must provide the original household registration book, marriage certificate or the original certificate of no marriage registration for half a month, and the certificate of no house at the domicile. )
(3) Unit building area 144 square meters or more (inclusive): 3% of the appraised price of the local taxation bureau.
(4) Non-family only ordinary housing: the appraisal price of local taxation bureau is 3%.
(5) Gift, non-residential and unit purchase: 3% of the assessed price of the local taxation bureau.
4. Stamp duty on transactions:
Personal residence: tax-free
Non-residential and unit sales: 0.05% of the assessed price of the local taxation bureau.
5. Mortgage registration fee:
The mortgagee is an individual residence: 50 yuan/Zong.
Unit residence: 80 yuan/Zong
Non-residential: 550 yuan/Zong 6 License Stamp Duty: 5 yuan/Certificate, 5 yuan will be added for each additional person/kloc-0.
Above, Bian Xiao introduced the specific process of buying and selling second-hand houses. There are four specific processes for the sale of second-hand houses. Bian Xiao introduced each process in detail. Readers who need to buy and sell second-hand houses can refer to the suggestions given by Bian Xiao. How to pay taxes on buying and selling second-hand houses? Bian Xiao mainly introduces how to pay taxes when buying a house. If there are many taxes and the age of the house is different, the required tax rate is different. Consumers should pay attention to the difference.
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Fourth, the collection process of selling second-hand houses (the buyer is a loan)?
Second-hand housing mortgage, the seller's payment method depends on the situation. When the second-hand house is mortgaged to buy a house, 1) the bank will approve it, (2) transfer the ownership, and (3) after the loan information is sent to the bank, the bank will generally transfer the applied loan to the seller's bank account within 7- 15 working days! Unsecured situation: When buying a second-hand house without mortgage, the seller's collection process is as follows: (1) After the bank approves, (2) After the transfer, (3) The bank will generally transfer the applied loan to the seller's bank account within 7- 15 working days!