Extended data:
The second-hand housing purchase process has eight steps:
The buyer consults, signs a contract, handles the transfer, concludes a contract, pays taxes and fees, handles the transfer of property rights, completes the transfer procedures, obtains a bank loan and pays the balance to complete the transaction. Details are as follows:
1. The buyer negotiates between the buyer and the seller to establish information communication channels. The buyer understands the overall situation and property rights of the house, and requires the seller to provide legal documents, including house ownership certificate, identity certificate and other documents.
2. After signing the contract, the seller provides the legal certificate of the house, and 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 the house purchase 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. After the buyer and the seller apply to the real estate management department, the management department shall examine the relevant documents, review the property rights, and grant the transfer procedures for the houses that meet the listing conditions. If there is no property right or some property rights without the written consent of other property rights, the application will be refused and the listing transaction will be prohibited.
4. According to the property right status and purchase object of the transaction house, the relevant departments of the contracted house shall report to the transaction department for approval step by step according to the examination and approval authority set by the transaction department in advance, and both parties to the transaction can go through the signing formalities. Now Beijing has cancelled the real estate sales contract during the transaction, which is also commonly known as the "white contract".
5. The composition of paying taxes and fees is complicated, depending on the nature of the transaction house. For example, the tax composition of commercial housing such as housing reform, rebuilding and demolition, and affordable housing is different.
6. Handle the transfer of property rights and transfer transactions. After the two parties register the change of property rights in the real estate transaction management department, the transaction data will be handed over to the issuing department, and the buyer will apply for a new property right certificate with the Notice of Obtaining the Property Ownership Certificate.
7. Bank loan After signing the house sales contract with the seller, the buyer of the bank loan goes through the loan formalities at the loan bank. The bank will review the buyer's credit status, evaluate the house that both parties want to trade, and then approve the buyer's loan. After the two parties complete the registration change of property rights and the buyer obtains the house ownership certificate, the bank will issue a one-time loan.
8. Make a settlement to complete the transaction. After the buyer obtains the house ownership certificate and pays off all the house payment, the seller delivers the house and settles all the property fees, and all the second-hand house sales contracts of both parties are fulfilled.