When the house is transferred, the buyer and the seller need to go through the transfer registration formalities with the local real estate registration department with relevant information. Deed tax 1%-3%, business tax 5.5%, value-added tax 1%, personal income tax 1%, transaction fee 6 yuan/m2, property right registration fee 80 yuan, and appraisal fee 0.5%. Real estate mortgage loan refers to the RMB loan that the borrower mortgages the purchased commercial house. The loan bank provides the borrower with a package of financial services to meet various needs such as housing purchase, parking space, large durable consumer goods, automobiles and house decoration. The term of new house loan is not more than 30 years, and the term of second-hand house loan is not more than 20 years; The loan amount is 70% of the appraised value of the house; The loan interest rate is implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate is 5.94%.

(a) units to buy private houses, units need to provide the original legal person qualification certificate (stamped with the official seal), the legal representative to receive a power of attorney, the trustee should also provide the original and a copy of the identity card.

(two) if you want to handle the entrusted transfer. The client needs to issue a power of attorney or notarial certificate, and the client can only handle the transfer with the power of attorney or notarial certificate and the original and copy of personal ID card.

(3) If the house has been leased, the buyer must ask the seller to provide proof that the lessee has given up the preemptive right when handling the transfer.

(4) If there are co-owners of the house, the buyer shall require the seller to issue a certificate of co-owners agreeing to sell and a certificate of co-ownership, or the co-owners shall be present to sign the contract and handle the transfer.

(5) In case of purchasing the house judged by the court, the buyer shall prepare the court judgment and the notice of assistance in execution before handling the transfer.

Second-hand housing transfer process

1. Investigate the property right of the transaction house. Buyers need to review the integrity, authenticity and reliability of property rights, and be optimistic about whether the owner's name on the property certificate is consistent with that of the seller, and whether there is a mortgage or joint relationship before the transfer.

2. The buyer and the seller sign a second-hand house sales contract. Whether it is a real estate gift or a sale, it is necessary to transfer the real estate, and both parties must sign a written transfer contract, that is, a second-hand house sale 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, boundary, plot number of the real estate, the method 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. Evaluate the property. 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 buyers apply for a combination of provident fund loans and commercial loans, they need to apply for loans from the provident fund center and the bank at the same time; If you only apply for a commercial loan (mortgage), 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 canceling the 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 related 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 the application within 15 days; Accept and verify the declared transaction price, and conduct on-the-spot investigation and evaluation of the transferred house as required.

7. Pay taxes and fees for second-hand housing transactions such as deed tax. 20 16 latest types of taxes and fees for second-hand housing transactions

8. The real estate management department issues a new house property certificate. Both parties shall go through the transfer formalities in the real estate management department and obtain the real estate ownership certificate.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 395 The following property that the debtor or a third party has the right to dispose of may be mortgaged:

Buildings and other land attachments;

Second, the right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and planes under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.