Real estate license name reduction process

1, name reduction is equivalent to changing the name of the household, depending on the payment method of the buyer.

One-time payment for house purchase: pay the down payment first, then both parties will go to the Housing Authority for transfer, and the buyer will deposit the remaining house money in the bank. After handling the account, the buyer goes to the Housing Authority to get the new house book (his name), and the seller goes to the bank to withdraw money.

Loan to buy a house: pay the down payment first, and the buyer will pay the down payment to the bank and apply for a bank loan at the same time. After the bank issues the loan contract, the buyer and the seller transfer the ownership. After that, the bank can lend money by handing over the transfer mortgage certificate (issued by the Housing Authority). At this time, the buyer went to the Housing Authority to get the new house (his own name) and the seller went to the bank to withdraw money.

2. The required procedures are as follows:

If the family purchases the first suite with an area of less than 90 square meters, the deed tax will be levied at 1%;

If the family purchases the first suite with an area of more than 90 square meters, the deed tax will be levied at 2%; If the family does not buy ordinary houses for the first time, the deed tax is 2%; The deed tax on the purchase of non-ordinary houses is 4%.

Procedures required to subtract the name from the real estate license:

1. To handle the formalities of changing the name of husband and wife, you only need to provide 5 yuan for the stamp duty of real estate license, and other fees are not required. The premise of changing the name of the couple's real estate license is to obtain the house ownership certificate. When going through the formalities, both husband and wife need to be present at the same time and fill in the application form for housing ownership registration. The specific documents submitted vary according to the nature of the house. The specific materials submitted are as follows:

(1) In case of housing reform, provide the certificate of the original selling unit, indicating that the property owner is allowed to change to the spouse's name due to heating; Commercial housing, affordable housing, both husband and wife should write an application for change, and briefly explain the reasons;

(2) Copy of marriage certificate (original inspection)

(3) Copy of ID cards of both husband and wife (original inspection);

(4) Both husband and wife have a housing agreement.

(5) certificate of ownership of the house;

(6) A copy of the original purchase contract (original inspection) shall be provided for the reconstructed house;

(7) The attached drawings of the house ownership certificate and a copy of the registration form. If there is no picture on the certificate, it does not need to be provided, and the name of the original owner has not been copied on the registration form;

2. Conditions for the transfer of the couple's real estate license: also known as the change of the couple's real estate license, it must first be a non-mortgaged house. If there is a mortgage, it must be stamped by the bank. Under normal circumstances, banks are not allowed to stamp, which seems to depend on the situation of each bank. If you want to change the name on the couple's real estate license, you can add the spouse's name directly during the marriage. You only need to bring the marriage certificate, two house certificates, the original ID card and a copy to the "change registration" window of the real estate transaction center.

Legal basis:

Provisions of People's Republic of China (PRC) Municipality on the Administration of Urban Real Estate Transfer Article 7 The transfer of real estate shall be handled in accordance with the following procedures:

(a) the parties to the real estate transfer signed a written transfer contract; (two) the parties to the real estate transfer shall, within 90 days after the signing of the real estate transfer contract, apply to the real estate management department where the real estate is located with the relevant documents such as the real estate ownership certificate, the legal certificate of the parties and the transfer contract, and declare the transaction price; (3) The real estate management department shall review the relevant documents provided and give a written reply on whether to accept them within 7 days. If no written reply is made within 7 days, it shall be deemed to be accepted. (four) the real estate management department shall verify the declared transaction price, and conduct on-the-spot investigation and evaluation of the transferred real estate as required. (five) the parties to the transfer of real estate shall pay the relevant taxes and fees in accordance with the provisions. (6) The real estate management department shall go through the formalities of housing ownership registration and issue the certificate of real estate ownership.