The housing policies corresponding to each city are different. The specific type of house to buy must be determined according to local policies. The policies are different, and the corresponding methods of choosing a house are also different. Well, many people still don’t know the introduction of provident fund loans for second-hand houses in Chengdu, and they don’t understand how to determine the transaction price of second-hand houses. If they don’t know these, there is no way to choose this kind of house.

Chengdu second-hand housing provident fund loan

I recently purchased a small house in the main urban area of ??Chengdu. I received a direct provident fund loan in Chengdu. I handled the entire loan process by myself and did not pay the loan service fee (zj Office The loan requires a payment of 3,000 yuan). Applying for a loan by yourself mainly involves preparing for the provident fund interview and finding an appraisal company for evaluation. Other agencies such as transfers and mortgages are also involved. The total price of the house is 560,000, the loan is 370,000, and the online signing and appraisal price are 620,000. The intermediary service fee is RMB 10,000, the appraisal fee is RMB 620, and the personal tax deed fee is RMB 12,480.

The table shows the time points and preparation materials for the processing steps. There are still two days to hand over the house. It took 20 working days from the provident fund interview to the bank to release the final payment, including transfer, collection of certificates, and mortgage processing. Takes 4 working days.

How to determine the transaction price of second-hand houses

1. The transaction price usually does not include maintenance funds, water and electricity miscellaneous fees and payable transaction taxes. If the buyer has price requirements, this should be clarified in the intermediary contract before paying the deposit.

2. The transaction price is the rough price of the house or the price with decoration. Before paying the deposit, it should also be specified in the intermediary contract.

3. The ancillary facilities and equipment in the house are transferred with the house

4. When applying for property rights transfer registration, a very small number of people underreport the transaction price to the real estate trading center in order to pay less taxes and fees. This is It is very dangerous and can easily lead to balance disputes.

5. Second-hand house transaction tax is an expense closely related to the transaction price of the house. Before buying or selling a house, it is necessary to understand the relevant policies and regulations. At the business premises of a regular real estate agency, the current tax collection standards will generally be clearly stated.

Through some introductions in this article, we already know some knowledge about provident fund loans for second-hand houses in Chengdu. If you want to buy a house in this way, you must prepare the required materials. In this case, you can pay it all at once when signing the contract, and there is no need to waste time because the materials are not prepared. At the same time, you also know how to determine the transaction price of second-hand houses.