1. The buyer and the seller shall go through the relevant formalities at the selected intermediary company, register and pay the down payment. Contract processing is a prerequisite.

2. After the previous procedures are completed, the intermediary company begins to handle the loan procedures for the buyer in the relevant bank. The loan application time is relatively strict, and the time is mostly half a month. Of course, every region is different. Finally, the bank passed the examination and approval, and began to handle the transfer procedures after obtaining the approval.

3. According to the requirements of property right transfer registration, at the property right registration center, the buyer and the seller need to prepare the information needed for the transfer.

4. The people of the intermediary company bring the buyers and sellers and relevant information to the local taxation bureau for tax verification, and the local taxation bureau will issue a tax receipt.

5. Then go back to the trading center, submit deed tax, business tax receipts and all the documents required by both parties for transfer, fill in the application for registration of house ownership transfer, receive the acceptance notice, and pay the house stamp duty at the same time.

6. This waiting time is basically no problem. You can know some expenses, such as water, electricity, gas and cable TV, and make a final inspection of the furniture.

7.20 working days later (the time may be different in each region), someone will tell you to go to the trading center to get the real estate license. At this time, the bank will also issue a notice that the buyer is ready to start mortgage payment.

Second, the transfer fee:

Second-hand housing in transfer fees has the following items, but there may be differences in different places:

1, deed tax: ordinary residence: the average price is less than 5,000 yuan /m2, and the appraisal price is *1.5%; Non-ordinary houses: those with an area of more than144m2 and an area of more than 5,000 yuan/m2 are used for other purposes. 2. Personal income adjustment tax: (evaluation price-original purchase price) *20% (the seller is required to pay, but now many are buyers).

3. Business tax: if the house has been purchased for less than five years, the appraisal price will be * 5.55%; Non-ordinary housing purchased for more than five years: (appraised price-original purchase price) * 5.55%; Ordinary housing purchased for more than five years is free of charge.

4. Transaction cost of real estate: construction area *6 yuan/m2 5. Stamp duty: appraisal price *0. 1% 6. Property ownership certificate fee: 85 yuan 7. Land certificate fee: 105 yuan 8. Transaction evaluation fee: evaluation price *0.3%.

3 second-hand housing transactions through intermediaries, intermediary fees payable include the following:

1) agency fee: transaction price * 1%

2) Intermediary fee for title certificate: depending on how the intermediary wants it, it is usually several hundred yuan.