What needs to be paid is the bank evaluation fee, because the loan has other warrants in the bank, or you can go directly to the bank's personal loan center to mortgage the loan without an intermediary.

2. What are the procedures and expenses for the transfer of second-hand houses?

Second-hand housing transfer procedures are divided into two situations: the buyer's mortgage loan payment and the buyer's full purchase. The specific transfer process is as follows:

First, the buyer mortgage loan to buy a house

1. Bank credit (go to the People's Bank to check the buyer's credit);

2, housing property survey (survey whether the property is mortgaged, sealed, property analysis, inheritance, * * owners);

3. Pay the down payment to the seller and reserve the balance of the house payment;

4. When the house is transferred, the bank will review the loan conditions;

5. The bank issues loans to the seller's account;

6. Both parties jointly deliver the property (water, electricity, gas, heating and property fees, and the original owner's account must be moved out);

7. Pay the final payment to the seller.

Second, the buyer buys the house in full.

1, property right survey (to investigate whether the property is mortgaged, sealed up, analyzed, inherited and owned by * * *);

2. The buyer pays the down payment to the seller;

3. Both parties shall handle the house transfer together;

4. Both parties jointly deliver the property (water, electricity, gas, heating and property fees, and the original owner's account must be moved out);

5. The buyer shall pay the seller in full.

According to the different situations of both parties to the transaction, the details of taxes and fees for second-hand housing transfer are as follows:

1. deed tax: (generally paid by the buyer, unless otherwise agreed by both parties)

Where the area is less than 65,438+0.90 m2, the Buyer shall pay1.0%;

2. The buyer pays1.5% for the first purchase of a property of more than 90 square meters;

3. The buyer pays 2% for the purchase of two houses with an area of more than 90 square meters;

2. VAT: (generally paid by the seller, unless otherwise agreed by both parties)

1, residential property with real estate license of 2 years is exempt from VAT;

2. The value-added tax is paid at 5.6% for houses with real estate license less than 2 years;

Three. Personal income tax: (generally paid by the seller, unless otherwise agreed by both parties)

1. The real estate license is over five years, and it is the only property under the name of the seller's husband and wife, and it is exempt from personal income tax;

2. If the non-unique property or real estate license under the name of the seller's husband and wife is less than 5 years, and the original value of the house cannot be calculated, it shall be paid at 1%; If the difference can be calculated, it shall be paid at the tax rate of (the invoice amount of the last purchase price-the invoice amount of this sale price) × 20%;

Fourth, other expenses are relatively small:

Transaction cost: 6 yuan/square× number of rooms (50% for both parties to the transaction);

Cost of real estate license: one certificate of 80 yuan; * * * 20 yuan Property Certificate (to be borne by the Buyer);

Appraisal fee: 0.5% of the total appraisal amount (bank loan needs to be paid by the buyer);

Mortgage fee: 100 yuan (bank loan needs to be paid by the buyer);

Proof of purchase: one copy for 20 yuan, generally three copies are required (to be borne by the buyer);

Standard of notarization fee: 300 yuan (if you can't handle it in person, you need to handle this business fee).

Land value-added tax: (generally borne by the seller, unless otherwise agreed by both parties)

1, ordinary houses are exempted;

Non-ordinary housing within 2.3 years: total house transaction amount × 0.5%; 3 to 5 years: the total house transaction amount × 0.25%; 5 years or more: tax-free.

Personal income tax and shops are paid according to the difference, and the calculation formula is: (the invoice amount of the last purchase price-the invoice amount of this sale price) × the tax rate is 20%;

Business tax: the shop pays the difference, and the calculation formula is: (last purchase price-current selling price) the tax rate is 5.55%;

Deed tax: 3.0% for the non-ordinary house (commercial house) purchased by the Buyer;

Land transfer fee:

I. Housing reform

1. If the land is for sale, there is no need to pay the land transfer fee.

2. The land nature of the house is allocated, and the land transfer fee payable is 65438+ 0% of the appraised house price.

Second, affordable housing.

1, the real estate license cannot be put on the market for sale within five years.

2. If the real estate license is more than five years, the land transfer fee shall be paid at 5% of the appraised house price.

Third, commercial housing.

1. The land of the commercial house is for sale, and no land transfer fee is required.

2. The nature of the land is 40% of the allocated land appraisal price (3% of the land appraisal price and the new land certificate fee 120 yuan are also required for the transfer of commercial housing).

Fourth, others.

In the name of the seller, there are two sets of welfare housing (affordable housing and housing reform housing belong to welfare housing), one of which is sold: if the land nature of the two suites is allocated, 40% of the land evaluation price will be paid, and the land nature is exempted from transfer, and one set will be allocated and the other set will be transferred normally. (Two sets of affordable housing cannot be transferred)

1. Inheritance is based on 1% of the house price.

2. The gift is 2% of the house price.

3. What are the procedures for second-hand housing bank loans?

1. Loan-related expenses include: appraisal fee, notarization fee, mortgage registration fee, insurance fee, etc. , slightly different due to different billing unit standards;

2. Transaction costs include: the transaction supervisor has corresponding charging standards.

The whole process of second-hand housing transaction is roughly divided into the following stages:

1. The overall situation and property rights of the buyer and the seller, as well as the required documents, including house ownership certificate, identity certificate and other documents.

2. If the house provided by the seller is legal, it can be listed and traded, and the buyer and seller sign a house purchase contract.

After the buyer and the seller reach an agreement on the location, property right, transaction price and delivery method of the house, the two 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. The buyer and the seller should check the relevant documents and review the property rights with the management department. For some property rights that meet the listing conditions, they refuse to apply and prohibit listing transactions without the written consent of other property rights.

According to the property right status and purchase object of the transaction house, the management department shall report it to the examination and approval level by level according to the examination and approval authority set by the transaction department in advance, and both parties to the transaction may go through the formalities of signing the deed. Beijing cancelled the contract for the sale of real estate during the transaction, which is also commonly known as it.

5. Pay taxes and fees. The nature of tax office. For example, the tax composition of commercial housing such as housing reform, rebuilding and demolition, and affordable housing is different.

6. Handling property rights Complete the registration of property rights change in the real estate transaction management department and receive the notice of house ownership certificate.

7. For the buyer of the loan, after signing the house sales contract with the seller, both the buyer and the seller will go to the loan bank to handle the loan formalities. 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.

First, don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, then the balance of the provident fund in your provident fund account is zero, and your provident fund loan amount is zero, which means you will apply.

2. Don't repay the loan in advance in the first year. According to the relevant provisions of the provident fund loan, part of the prepayment should be made one year after the repayment, and the amount you return should exceed the repayment amount of six months.

Third, if you have difficulty in repaying the loan, don't forget to look around for the decline in solvency within the time limit. Don't support yourself when you have difficulty in repaying the loan. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension.

Fourth, don't forget to inform the rental obligation after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.

5. After the loan is paid off and the principal and interest of the loan are paid off, you can go to the district or county real estate trading center where the real estate is located to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the mortgaged real estate.

Six, don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.

The above contents refer to:

Baidu Encyclopedia-mortgage to buy a house

Baidu encyclopedia-second-hand house mortgage loan

4. What's the charge for second-hand housing loan?

The three fees charged by the bank add up to hundreds of second-hand housing loans, right? Before the transfer, take the original owner's real estate license to evaluate the company's initial evaluation, and then take the evaluation report to the bank for approval. After the approval of the bank, go to the appraisal company for formal appraisal (transfer appraisal once, loan appraisal/kloc-0 * * 2 times) and then go to the real estate bureau for transfer.

The deed tax of the three major transfer fees1.5% (3% for two suites) and the business tax of 5.6% (the real estate license is exempt from business tax for five years). Personal income tax 1% (if the owner is the only house, it can be exempted from personal income tax), assessment fee of 0.05% (twice assessment is 1% because the loan is 1 transfer 1 time), and survey fee of 1.36/ square (house area)

Generally, you take the original owner's real estate license to evaluate. Some landlords don't understand and think you are borrowing money with his real estate license. Actually, it's not like this. Instead, you go to the bank with the real estate license to see if you can lend so much money to this house.

Some homeowners will waste their breath if they don't know you.