Compared with new houses, second-hand houses have many irreplaceable advantages, so people who just need them often choose to buy second-hand houses. When doing second-hand housing transactions, you must do your homework in advance to save time and effort to complete the transfer. Second-hand housing transfer needs to prepare deed tax and business tax. The transfer process that the owner cares about is also very important. First, look at the house and sign the contract. What is the cost and process of second-hand housing transfer? How long will it take for the bank to lend money after the second-hand housing transfer? Come and find out!

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

Second-hand housing transfer fee:

1, deed tax

The deed tax of the second-hand house needs to be paid by the buyer, and the specific payment ratio can be understood by referring to the relevant national policies.

2. Business tax and personal income tax

This part of the cost also needs to be paid by the buyer and can be calculated according to a fixed collection formula.

3. Stamp duty and land cost.

If you are in doubt about the payment of these fees, you can consult the staff of relevant departments in time.

Second-hand housing transfer process:

1, look at the house.

Property buyers need to check the documents and property rights of the house and make a choice whether to buy or not.

2. Sign the contract.

Both parties need to determine the price, property right, location and area in the form of contract.

3. Waiting for review and loan processing.

In real estate transactions, you need to go to the relevant departments to complete the examination and transfer procedures. If you need to apply for a loan, you need to go to the bank.

4. Pay the fee.

It is also necessary to pay transaction fees such as taxes and fees in accordance with regulations.

Step 5 complete the transfer

Buying a house needs to complete the property right change and household registration migration, so as to complete the transaction process of the house.

Second, how long does the bank lend money after the second-hand house is transferred?

After the second-hand house is transferred, it will take the bank about 1-2 months to lend money. Because it involves evaluation, it is necessary to know the specific housing payment time with the loan handling bank in detail. Generally, it takes 15 working days to pass the application, but it takes 1-2 months to transfer funds. When handling a loan, you must prepare relevant materials and certificates, and pay attention to the transfer process.

The above is Bian Xiao's knowledge about the cost and process of second-hand housing transfer and how long the bank will lend money after the second-hand housing transfer. I hope it helps you. If you want to know more about the transfer of second-hand houses, please continue to pay attention.