Then, if the landlord's certificate is in the bank, then both parties need to negotiate who will decompress and collect evidence. This situation is usually the buyer. In fact, it's nothing, as long as the seller gives you a receipt when you pay. Anyway, you have to pay a down payment for the transfer.

Then wait for the landlord to take out the real estate license from the bank, and the bank will approve the results. If the bank approves it, it will agree to your loan, and buyers and sellers and intermediaries will go to the housing exchange for transfer. At the same time, pay the seller a deposit.

The taxes and fees are as follows:

1: Business tax:144m2 is exempted for 5 years. 144m2 difference business tax (current price-the price before the landlord bought it X5.6%).

2. Individual income tax: 1%

3. Deed tax:1%(below 90m2)1.5% (90-144m2) 3% (above144m2).

There are also some other drawing fees, stamp duty, land survey fees, production fees, etc. , add up to several hundred yuan.

Now the real estate license is your name, and then use your real estate license to register the mortgage at the Housing Fair. After 3 working days, go to the housing exchange to collect evidence, get a mortgage from the bank, and wait for the bank to lend money.

Then you can move in.

As for the down payment, I can't give you a specific value. The bank loan needs assessment company evaluates how much your house can be worth per square meter according to the local market, living environment, building age, stairs or elevators, decoration and other comprehensive factors. I can't give you a specific value. But I can give you a formula. You can work it out yourself.

Appraisal price x building area = total house appraisal price.

Overall appraisal value X0.7= loan amount.

The total house price minus the loan amount equals the down payment.

The current interest rate is 6.55%, and the monthly repayment is 74.85 (ten thousand units).

Loan amount X74.85= monthly repayment.

I hope it will help you and be adopted.