In the second-hand housing transactions, in addition to the selection of housing, viewing, bargaining, loan quotas and other issues, the procedures in the transaction process will often bring unexpected problems to buyers and sellers. SouFun network room Tianjin second-hand housing reminds buyers, understand the second-hand housing transaction transfer process, prepare the materials needed for the transfer and calculate the various fees payable before buying a house is very necessary.
First, the second-hand housing transfer transaction process
1. Signing the "Sale Contract" and "House Trade Guarantee Contract"
2, purchase qualification verification, housing verification
3. Fund supervision agreement
Full payment: supervision of housing funds - tax payment transfer - receipt of title certificate
Commercial loans: housing assessment - loan bank visa - down payment fund supervision - bank lending - tax payment transfer - receipt of title certificate - mortgage registration - bank lending
Provident Fund: Housing Evaluation - Initial Review of Provident Fund Faces - Supervision of Down Payment Funds - Bank Approved Loans - Bank Loans - Tax Payments - Handling Mortgage Registration - Property Rights Certificate
Second, second-hand housing transfer information
1, the required documents for the purchase of housing
Identification: ID card, passport and translation notarization
Marriage certificate: marriage certificate, divorce certificate and divorce agreement, court judgment, etc.
Household registration certificate: copy of the household registration book and the household registration page (with official seal), etc.
Foreign, Hong Kong, Macao and Taiwan people: need a passport and passport translation notarization
Note: Both the original and the copy of the document need to be prepared.
Documents required for commercial loans
Identification: ID card, military officer card
Marriage certificate: marriage certificate, divorce certificate and divorce agreement, court judgment, etc.
Household registration certificate: copy of the household registration book and the household registration page (with official seal), etc.
Certificate of Education: Academic Certificate
Proof of income: proof of income, flow in the past six months or one year
Documents required for provident fund loans
Identification: ID card
Marriage certificate: marriage certificate, divorce certificate and divorce agreement, court judgment, etc.
Household registration certificate: copy of the household registration book and the household registration page (with official seal), etc.
Proof of residence: Foreign residence registration must provide proof of residence in Tianjin
Proof of income: proof of income, flow in the past six months or one year
Remarks: Married persons need to have all the documents of both husband and wife for the CPF loan.
Documents required for transfer
Identification: ID card, military officer card
Marriage certificate: marriage certificate, divorce certificate and divorce agreement, court judgment, etc.
Household registration certificate: copy of the household registration book and the household registration page (with official seal), etc.
Remarks: If the property rights of the transfer house involve minors, it is also necessary to provide guardianship notarization, parental ID card, marriage certificate, family account book.
Third, the tax involved in the business
In second-hand housing transactions, buyers and sellers are also required to pay various types of taxes to the tax authorities. Among them, deed tax, stamp duty, etc. are taxes that must be paid, and personal income tax, business tax, etc., have different tax standards in the transaction due to the difference in the length of purchase of the property, whether it is a commercial housing or an affordable housing.
1) Deed tax
Collection method: Tax price × 1% (personal first purchase of ordinary house with a floor area of ​​90 square meters or less)
Tax price × 1.5% (first purchase of an ordinary house with a building area of ​​90-144 square meters)
Tax price × 3% (purchase non-ordinary home or non-first home purchase)
2) Personal income tax
Collection method: Tax price × 1%
Individuals who purchase less than 5 years of housing sales shall be subject to full personal income tax; individuals will purchase housing for more than 5 years for external sales, if the owner is the only housing, exempt from tax, if not the only housing, the individual will be fully charged Income tax
3) Business tax
Collection method: 2 years residence less than 2 years residence
Ordinary: no ordinary and non-ordinary full taxation × 5.65%
Non-ordinary residence: difference × 5.65%
4) Land certificate transfer fee
Collection method: tax price × 1% (allocation), (transfer) nature of the land does not need to pay this
5) Procedure transfer fee:
Collection method: 6 yuan / square meter
Edited article compiled by Furniture. Media cooperation source: Fang Tianxia Tianjin second-hand housing network
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