2. Compared with new houses, second-hand houses need to pay more taxes and fees. In addition, the standard of deed tax collection for new houses and second-hand houses is the same, but it is different in taxable value. The new house is multiplied by the corresponding deed tax ratio according to the total house price. Second-hand houses are multiplied by the corresponding deed tax ratio according to the transaction price, evaluation price or guidance price.
3. Because many procedures for new houses are handled by developers, many procedures for second-hand houses need to be completed by buyers and sellers themselves, so it is relatively cumbersome. If the transaction is conducted through an intermediary, the intermediary will provide services for the whole transaction process, but there are many disputes, uncertainties and risks in the second-hand housing transaction.
4. For new houses, the down payment is generally calculated by multiplying the total house price by the corresponding down payment ratio, and the loan amount can reach 70% or 80% of the total house price. Second-hand housing down payment and loan amount are affected by the evaluation price of second-hand housing. Generally, the evaluation price of second-hand houses is lower than the market price, which is 80%-90% of the market value of second-hand houses, and some houses will be lower.
Second-hand housing loan process
1. Check the house and sign the purchase contract.
The first step in buying a house is to look at the house, even if it is a loan to buy a house, it needs to go through this step. After the buyer takes a fancy to the house he wants to buy, then the next step is for the buyer and the seller to negotiate the price. Once settled, you can sign a house purchase contract and then go through the loan formalities.
2. Conduct real estate appraisal.
Second-hand houses purchased by loans need to go through real estate assessment, and real estate assessment is a very important step. Second-hand housing evaluation is mainly to determine the down payment that buyers need to pay. Under normal circumstances, real estate appraisal needs to find an appraisal company, which takes about 5 ~ 7 working days.
3. Apply for a loan from the bank
After the evaluation of second-hand houses, buyers need to apply for loans. There are several ways of second-hand housing loans, either provident fund loans or commercial loans. However, if you want to apply for a second-hand housing loan in the bank, then both buyers and sellers must go to the scene and bring all the information. When buying a house, the seller should bring personal information and related property information. After filling in the second-hand housing loan application form, the bank will contact the designated real estate appraisal agency to conduct house inspection and evaluation.
4. Bank audit
After the buyer submits the loan application, he needs to wait for the bank to review it. When the buyer submits funds to the bank, the bank will review the information submitted by the buyer. Generally speaking, the bank calculates the loan amount according to the evaluation value of the evaluation agency. Of course, the premise is that banks must review the loan qualifications and meet the conditions.
5. Submit a transfer application
After the loan application, if the buyer has paid the down payment, he needs to submit the transfer application. When handling the transfer, the buyer and the seller need to be present at the same time. Buyers and sellers need to apply to the real estate management department with real estate ownership certificate, legal certificate of the parties, transfer contract and other related documents, and declare the transaction price and take the form of acceptance.
6. Apply for real estate license
Before handling the real estate license, buyers need to pay relevant taxes and fees. After paying the property tax, both parties can start to apply for the real estate license. The real estate management department will issue a new property title certificate for the buyers, but both parties need to go to the real estate management department to get the property title certificate with the transfer procedures.
7. Bank loans
Property buyers can go to the bank to apply for real estate mortgage after completing the transfer and getting the real estate license. After the property is mortgaged, the bank will put the money into the account designated by the buyer, usually directly to the seller's account, and repay the mortgage on a monthly basis according to the contract. It should be noted that there may be insurance premiums or handling fees in the process of handling real estate property certificates, which will be different for different banks.