To change the name of the real estate certificate, you have to go to the real estate trading center. The process of name change is different in different forms. If the name change and transfer are handled by sale, you can directly handle it with your ID card, real estate certificate, and contract. Just pay the taxes and you're done. If it is done in the name of donation, you should go to the notary office for notarization in advance, and go to the real estate trading center to handle the transfer with your ID card, real estate certificate, and notarization certificate.

Property transfer process

1. Sign the contract and pay the deposit.

2. Go to the bank to apply for a home purchase loan.

3. The bank appoints a lawyer to talk to the applicant and review the relevant information of the loan applicant (including identity document, income certificate, etc.).

4. After the bank determines that the applicant meets the loan conditions, it will issue a loan commitment letter (the bank determines the loan amount based on the appraised price, and the loan amount issued is generally 70% of the appraised price).

5. After the bank issues the loan commitment letter, it notifies the buyer and seller to go through the transfer procedures.

What taxes need to be paid when transferring a house?

1. Business tax.

After the annual business tax to value-added tax replacement, look at the number of years since the real estate certificate was issued to determine whether it can be exempted. According to regulations, if an individual transfers a house and has signed a transfer contract before April 30, 2020, and handles property rights changes after May 1, 2020, no business tax will be paid.

2. Deed tax.

The current policy is: 1 for residential buildings with less than 90 square meters; 1.5 for residential buildings with 90-144 square meters; and 3 for the rest, whether residential or non-residential.

3. Personal income tax.

If the real estate certificate is sold within 5 years after the issuance of the certificate, income tax will be levied based on the sales price 1 (in some places, income tax will be levied based on the difference between the sales price and the original sales price 20, and there are also two situations where you can choose 1); If the property is sold after 5 years of issuance, if it can be proven that the seller is selling a house for family living, the income tax will be exempted!

4. Stamp tax.

Residences below 90 square meters are exempt; others are levied at 0.05 of the sales price!

5. Assessment fee.

If the transfer does not require a mortgage, there should be no need for appraisal. The evaluation fee is generally less than 5‰. Specific rates vary from place to place. (Three situations: If there is no mortgage, there may be no appraisal, so there is no appraisal fee; if there is a mortgage, the appraisal fee may be included in the intermediary fee; it may also be that the real estate transaction core collects it directly from the applicant when the transaction is transferred.)

6. Intermediary fees.

Individual transfer does not require an intermediary. If buying and selling a house requires an intermediary (if you need a mortgage, you may have to find an intermediary), the intermediary fee is generally 0.5-2.5; if you only need an intermediary to apply for the property ownership certificate, you only need to pay an agency fee of about 200 yuan!

7. Other fees.

In some places, construction fees, registration fees, transaction fees, etc. may also be involved, but the amounts are relatively small. Housing reform housing land transfer fee: paid according to local policies, which vary from place to place.