Can a second-hand house be loaned?
1. Go to the real estate bureau to sign the stock house sales contract and supplementary agreement, stipulate the responsibilities of both parties and the expenses paid by them, and go to the real estate bureau to check the price after signing the stock house sales contract.
2. The seller holds the stock house sales contract, ID card, real estate license, etc. Go to the local tax bureau to file tax returns, pay personal income tax, business tax and so on.
3. The buyer and the seller go to the real estate bureau for fund custody and deposit the down payment into the account designated by the real estate bureau. It should be noted that if you choose a loan bank, it is best to deposit it in the account of the real estate bureau in this bank to avoid the trouble of loan approval. Keep the escrow agreement for you and withdraw it later.
4. Pay the deed tax, and then register the change of property rights in the real estate bureau, during which you have to pay more than N messy fees, such as registration fees, handling fees, stamp duty and so on.
5. Get the real estate license.
6. Take the real estate license to evaluate. Note that it is an appraisal institution designated by the loan bank.
7. Take ID card, marriage certificate, real estate license, appraisal report, stock house sales contract, down payment deposit certificate, custody agreement, income certificate and other things that the bank thinks necessary to mortgage (you need to borrow provident fund to go to the provident fund management center, and the materials you need to prepare should be similar). Remember: everything should be copied, and ID cards and marriage certificates should be copied more. Anyway, I made five copies of everything, and then the bank took as much as it wanted
8. Go to the bank to get the approved loan contract.
9. Going to the real estate bureau to do other warrants usually comes down in three days.
10, hand over other warrants to the bank, and urge the loan at the same time.
1 1. After the loan is released, go to the bank to get the loan receipt. Generally, the bank will send you the sixth copy of the receipt, and the third copy will be transferred to the real estate bureau by the bank.
12. The buyer and the seller go to the real estate bureau to withdraw money with the custody agreement, loan voucher, real estate license, ID card and deposit certificate of down payment funds. Remember, leave when the loan comes. There is no interest on your money in the real estate bureau account, and the interest will go to the real estate bureau. So the people in the real estate bureau are very unhappy to see you withdraw money. Regardless of him, they will always give you a check after quarreling with him.
13. The seller draws money with this check.
14. When the buyer and the seller hand over the house, the buyer shall remember to give the seller the land certificate for water, electricity, gas, telephone, broadband and cable TV.
15, the buyer goes to the land certificate, settles down, etc. And decorate the house.
16. The buyer started a long life as a house slave until the loan was paid off.
How much is the transfer of second-hand houses?
Taxes and fees payable by second-hand house buyers include:
1. Deed tax on the transfer of second-hand houses: 65438+ 0.5% of the house price (3% is required for the area above 144 square meters, and1%is required for the area below 90 square meters for the first suite);
2. Stamp duty on second-hand house transfer: 0.05% of the house price;
3. Second-hand housing transfer transaction fee: 3 yuan/square meter;
4. Surveying and mapping fees for second-hand houses: according to the specific regulations of each district;
5. Second-hand housing ownership registration fee and evidence collection fee: According to the specific regulations of each district, it is generally around 200 yuan.
Taxes payable by the seller of second-hand houses include:
1, stamp duty on second-hand house transfer: 0.05% of the house price;
2. Second-hand housing transfer transaction fee: 3 yuan/square meter;
3. Business tax on second-hand houses: price difference * 5.5% (if the real estate license is less than 5 years);
4. Personal income tax on second-hand houses: 20% of the transaction profit of real estate or 1% of the house price (the house ownership certificate can be exempted after 5 years).
Take a house with a total value of 400,000 as an example, the transfer fee is nearly 30,000. Among them, the buyer needs to bear a large cost of deed tax; Other expenses shall be borne by the seller, but generally the seller will agree to be paid by the buyer.
The above is all the knowledge about whether the second-hand house can be loaned and how much the second-hand house can be transferred. I hope I can help you. No matter whether you buy a second-hand house or a new house, you can get a loan, but the formalities of second-hand house loan will be more troublesome, so everyone must have a certain understanding of the loan process and transfer process, so that the process will be smoother.