According to state regulations, if the house has been bought and sold for more than 5 years, some taxes and fees will be reduced or exempted.
After five years, personal income tax (65438+ 0.5% of the house value or 20% of the difference from the previous house purchase) and business tax (5.55% of the house value) will be reduced or exempted.
The house with the loan can also be sold, but the final payment of the bank must be paid off first, and the real estate license can be renewed before the transfer transaction can be carried out. You can find an intermediary to sign a house sales contract, and there will be relevant conditions in the contract, including asking customers to pay in advance to help you change your card, and you can change your card yourself. As for the redemption procedure, you should go to the bank to make an appointment to settle the loan first, and then pay off the loan when the appointment time is up. Generally, the real estate license can be taken out in about a week.
What everyone wants to know is whether the property right certificate has been applied for this house. Because if you want to sell the house at hand, it belongs to the second-hand housing transaction, and you need to apply for a property right certificate, which can be listed and traded.
How much is the house under repayment?
1. Go to the bank and check the loan principal. After finding a new buyer, let the new buyer subtract the loan principal from the agreed house price in cash, go to the bank to go through the mortgage transfer formalities, and transfer the house and loan to the new owner.
2. Take money or borrow money to repay the loan, then sell the house and repay the loan after it is sold.
If the buyer has enough cash, let the buyer take part of the money to repay the loan first. After the mortgage was cancelled, it was renamed and the balance was paid off.
Legal basis: Article 595 of the Civil Code is a contract in which the seller transfers the ownership of the subject matter to the buyer and the buyer pays the price.
Article 596 The contents of a sales contract generally include terms such as name, quantity, quality, price, time limit for performance, place and method of performance, packing method, inspection standard and method, settlement method, contract terms and their effects.
Article 597 Where the ownership of the subject matter cannot be transferred due to the seller's failure to obtain the right of disposition, the buyer may terminate the contract and require the seller to bear the liability for breach of contract.
Where laws and administrative regulations prohibit or restrict the transfer of the subject matter, such provisions shall prevail.