The whole process of second-hand housing transaction can be roughly divided into the following stages: 1. The buyer and the seller establish information communication channels, and the buyer knows the overall situation and property rights of the house, and requires the seller to provide legal documents, including house ownership certificates, identity documents and other documents. 2. If the house provided by the seller is legal and can be traded on the market, the buyer can pay the house purchase deposit (paying the house purchase deposit is not a necessary procedure for the sale of commercial housing), and the buyer and the seller sign a house sales contract (or a house sales contract). After the buyer and the seller reach an agreement on the location, property right, transaction price, delivery time, delivery method and property right disposal of the house through consultation, both parties shall sign at least three house sales contracts. 3. The buyer and the seller apply to the real estate transaction management department for review. The buyer and the seller should check the relevant documents with the real estate management department and review the property rights. Without the written consent of other property owners, they may not apply for listing transactions, and listing transactions are prohibited. 4. Contract. The real estate transaction management department reports to the transaction department for approval step by step according to the property right status and purchase object of the transaction house and the approval authority set by the transaction department in advance, and then both parties to the transaction can handle the real estate transaction deed in the hands of the deed, which is also commonly known as the "white deed". 5. Payment depends on the nature of the transaction house. For example, housing reform, reconstruction and relocation have different economic adaptability. 6. Go through the formalities of property right transfer and transfer. After the transaction completes the registration of property right change, the transaction receives the Notice of Certificate Issuance of Property Ownership Certificate. 7. For the buyer of the loan, after signing the house sales contract with the seller, both the buyer and the seller will go to the loan bank to handle the loan formalities. The bank will review the buyer's credit, evaluate the house that both parties want to trade, determine the buyer's loan amount, and then approve the buyer's loan. After both parties complete the change of property right registration, the buyer receives the house payment in one lump sum. 8. After the Seller delivers the house and settles all the property fees, both parties shall complete the house payment. Second-hand housing transfer must go to the real estate transaction center (some cities go to the Housing Authority). Information to be brought by both parties: 1. Original and 2 copies of ID cards of the Buyer and the Seller. Original house sales contract. Deed tax to be paid for the original house (without loan): transaction price of second-hand house 1.5% (paid by the buyer); stamp duty: transaction price of second-hand house 0.05; Transaction cost: 6 yuan/m2 (paid by the seller); Certificate fee: 8%- current purchase price-decoration fee-deed tax-stamp duty ...) 20. Transaction deed tax: transaction price of second-hand house 1.5% (paid by the buyer). Stamp duty: 0.05% of the transaction price of the second-hand house (to be paid by the buyer and the seller). Transaction cost: 80 yuan (paid by the buyer). Personal income tax: price-decoration fee-deed tax 20%. /kloc-below 0/40 square meters, it is considered as an ordinary residence.

Second, how to settle down after the second-hand housing loan in Baotou City?

After the loan is settled, the borrower needs to move his account out of the original place. After moving out, he will take his personal information and real estate information to the place where he needs to settle down, and then he can settle down.

3. What are the specific steps of the second-hand housing settlement process?

Second-hand housing can be registered, but it is necessary to decide whether to register according to whether the procedures in the process of buying a house and moving accounts can be passed one by one. The details are as follows: 1. The second-hand housing settlement process is 1. After buying a second-hand house, see if the move-in procedure has passed the house ownership certificate, find the neighborhood Committee where the house is located, and let the neighborhood Committee number the house and issue a certificate of permission to move in; Then bring the certificate to the police station where the house is located to issue a certificate of consent to move in; If the neighborhood Committee doesn't accept it, it can't move in! 2. The certificate of permission to move out shall be issued to the neighborhood committee where the original account is located with the certificate of (1), and then to the police station where the account is located; You can't move out if there are illegal reasons or the neighborhood Committee doesn't agree! 3. The number of acceptance households takes the above materials to the neighborhood Committee where the house is located, and the neighborhood Committee compiles the number of households, and then takes all the procedures to the location of the house; If the neighborhood Committee can't make up the household name, it can't move in! 4. After the house is accepted by the local police station, it is agreed to move in according to the number of households compiled by the neighborhood committee, and accordingly, the material files are input into the microcomputer and moved into the household registration. Need to be reminded that after buying a house, you need to go through each of the above procedures smoothly before you can move in. Second, the second-hand housing transfer process ① Conduct a property right investigation on the traded houses. Property buyers need to review the integrity, authenticity and reliability of property rights. Before the transfer, they should be optimistic about whether the owner's name on the property certificate is consistent with the seller, whether there is a mortgage, and whether there is anyone. (2) When the buyer and the seller sign a second-hand house sales contract, whether it is a gift or a sale, they need to transfer the property, and both parties must sign a written transfer contract, that is, a second-hand house sales contract. The contract for the sale of second-hand houses must include the names and residences of both parties, the name and number of the real estate ownership certificate, the location, area and boundary of the real estate, the number of the plot, the way and duration of obtaining the land use right, the use or nature of the real estate, the transaction price and payment method, the delivery time of the real estate, the liability for breach of contract and other matters agreed by both parties. ③ Under normal circumstances, the real estate appraisal needs to find an appraisal company, which takes about 5~7 working days. (4) apply for a loan. If property buyers apply for a combination of provident fund loans and commercial loans, they need to apply for both provident fund and bank loans. If you only apply for a commercial loan (mortgage loan), you only need to apply for a loan from the bank. This process is the longest stage in the second-hand housing transaction. After the loan is completed, we should pay attention to the cancellation of other warrants of the property. ⑤ Apply to the real estate management department for transfer. The buyers and sellers of second-hand houses apply to the real estate management department with real estate ownership certificate, legal certificate of the parties, transfer contract and other relevant documents, declare the transaction price and take the form of acceptance. ⑥ Verification by the real estate management department. The real estate management department shall review the relevant documents provided and make a written reply on whether to accept them within 15 days. The acceptance and verification of the declared transaction price requires on-site investigation and evaluation of the transferred house. ⑦ Pay taxes and fees for second-hand housing transactions, such as deed tax, the land department issues tax bills, and the buyers and sellers (or brokers) pay transfer taxes and fees. Today, the real estate management department issued a new house property certificate. Both parties shall go through the transfer formalities to the real estate management department to obtain the property right certificate. 3. How long can I get the real estate license after the transfer? ① Generally, all the materials that enter the trading center, that is, the upper and lower houses, enter the trading center, complete the transaction transfer and pay taxes, and receive the receipt after the transaction transfer on the same day, and you can get the real estate license in about 20 days. (2) If you have a loan, go to the bank first. Generally, the bank will lend the loan to the last account within 5- 10 working days with the real estate license, and you can get the real estate license after you leave home, that is, it takes about 25 days to 1 month for the loan, and about 20 days for the one-time payment. (Note: The time to apply for real estate license varies from place to place, so the local policy shall prevail. This settlement procedure requires the purchaser to go to the neighborhood Committee where the corresponding house is located, and take his own legal procedures to the neighborhood Committee to issue a certificate of moving in. After the completion, go to the police station to enter the house information according to the furniture where your house is located, and handle such incidents.

4. What should I do after the second-hand housing loan in Baotou?

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