What is going to the real estate trading center when buying a ho
Publish: 2021-04-03 16:46:07
1. Finally, we must go to the trading center for the transfer of ownership and real estate certificate. Generally, the government can also handle other related affairs about buying a house in the trading center, such as paying taxes and inquiring about housing information. Banks usually set up stalls in the trading center to draw loans and deposits.
2. It is impossible to have such a situation. First, if it is a housing purchase with provident fund loan, that is, after the approval of the provident fund center, the bank designated by the provident fund will carry out mortgage loan, and the approved loan will be directly transferred to the developer. Second, if it's a personal housing loan, it's only to mortgage the real estate purchased by the lender. There's no need to mortgage other people's real estate certificate. Third, if it's to mortgage other people's real estate certificate, then you belong to the guarantor. At that time, if there is a debt dispute, you also have the responsibility. Therefore, the house property certificate cannot be borrowed.
3. First of all, you can't find the seller's information. This is the seller's private information. Only the seller's house ownership registrant and lawyers can apply for inquiry with their identification
if you are buying a house, you have the right to ask the seller to check the relevant housing registration information, but generally you do not need to check it in person! Because the housing property right transaction is a large real estate transaction, not every trader is clear about the transaction procere so as to protect his legitimate rights and interests. Therefore, the housing property right transaction procere stipulates that the transaction needs to be notarized, and the staff of the notary office not only need to verify the identity of the buyer and the seller when doing notarization, In addition, we need to go to the archives section of the housing property rights trading center to inquire about the information of the housing transaction, so as to ensure that the housing is real and effective and can be legally traded
of course, if you are not at ease, you can propose to follow the notary or the seller to the archives section of the housing property trading center to check the relevant registration information of the housing ownership! It's your right. The original data of housing property rights include: contract, purchase invoice, of ID card, contact information, housing plan, if there is a loan, of course, there is housing ownership certificate, if it is demolition, there are resettlement agreement, supplementary agreement, demolition agreement, settlement list, etc.
if you are buying a house, you have the right to ask the seller to check the relevant housing registration information, but generally you do not need to check it in person! Because the housing property right transaction is a large real estate transaction, not every trader is clear about the transaction procere so as to protect his legitimate rights and interests. Therefore, the housing property right transaction procere stipulates that the transaction needs to be notarized, and the staff of the notary office not only need to verify the identity of the buyer and the seller when doing notarization, In addition, we need to go to the archives section of the housing property rights trading center to inquire about the information of the housing transaction, so as to ensure that the housing is real and effective and can be legally traded
of course, if you are not at ease, you can propose to follow the notary or the seller to the archives section of the housing property trading center to check the relevant registration information of the housing ownership! It's your right. The original data of housing property rights include: contract, purchase invoice, of ID card, contact information, housing plan, if there is a loan, of course, there is housing ownership certificate, if it is demolition, there are resettlement agreement, supplementary agreement, demolition agreement, settlement list, etc.
4. No, if you buy a new house, it's usually done by the developer. If you buy a second-hand house through an intermediary, it is usually done by an intermediary. But in general, the intermediary is not credible, you'd better follow him everywhere, pay attention to his actions, avoid him to make a difference.
5. You don't have to go to the housing authority for the record. The deed tax you pay proves that second-hand houses need to be transferred to the housing authority,
6. 1、 Face to face signature is to apply for bank loans. Specific handling method: the buyer and the seller need to carry the relevant documents required by the bank, go to the Bank branch to sign the loan contract issued by the bank, and approve the loan after 7-10 working days
2. In the process of waiting for loan approval, jiaogongwei, listing and online signing handle the payment of public maintenance fund, listing and online signing
Third, to pay taxes, both the buyer and the seller need to go to the local tax bureau with the materials. Some districts and counties need to make an appointment in advance, while others don't. Before paying taxes, it is necessary to understand the different tax items of housing nature. Second hand commercial housing needs to pay deed tax, value-added tax and personal income tax. Purchased public housing and class II affordable housing need to pay deed tax, value-added tax, personal income tax and land transfer fee. Class I affordable housing needs to pay deed tax, value-added tax, personal income tax and comprehensive land price
Fourth, the transfer of ownership can be handled after the house tax is paid. The transfer is to go to the district housing and construction commission or the real estate registration center. As with tax payment, there are different regulations in different districts. Some need to make an appointment, while others don't.
2. In the process of waiting for loan approval, jiaogongwei, listing and online signing handle the payment of public maintenance fund, listing and online signing
Third, to pay taxes, both the buyer and the seller need to go to the local tax bureau with the materials. Some districts and counties need to make an appointment in advance, while others don't. Before paying taxes, it is necessary to understand the different tax items of housing nature. Second hand commercial housing needs to pay deed tax, value-added tax and personal income tax. Purchased public housing and class II affordable housing need to pay deed tax, value-added tax, personal income tax and land transfer fee. Class I affordable housing needs to pay deed tax, value-added tax, personal income tax and comprehensive land price
Fourth, the transfer of ownership can be handled after the house tax is paid. The transfer is to go to the district housing and construction commission or the real estate registration center. As with tax payment, there are different regulations in different districts. Some need to make an appointment, while others don't.
7. The basic process of mortgage loan is as follows:
on-the-spot house inspection:
loan officers, intermediaries, appraisers, buyers and sellers go to the house site where the mortgage loan is applied for to conct on-the-spot house investigation
property right verification
the property owner and the co owner (the seller) shall bring the original ID card and the original house property certificate to the housing authority for verification and go through relevant proceres
signing the contract:
the bank carefully checks and verifies the original data of the customer, identifies the authenticity of all the signers, supervises the signature of the customer, collects the original property certificate and deposit (the specific amount is determined by the buyer and the seller), copies the data, and reminds both parties to handle accounts in the bank
fill in the contract:
the bank sorts out the information and fills in the contract according to the relevant information provided by the customer
payment obligation:
the bank will inform the customer to pay the fee after passing the preliminary examination
property right transfer:
the buyer and the Seller shall handle the property right transfer proceres with the help of the housing authority; The lender shall prepare relevant materials and go to the bank for mortgage proceres
bank loans.
on-the-spot house inspection:
loan officers, intermediaries, appraisers, buyers and sellers go to the house site where the mortgage loan is applied for to conct on-the-spot house investigation
property right verification
the property owner and the co owner (the seller) shall bring the original ID card and the original house property certificate to the housing authority for verification and go through relevant proceres
signing the contract:
the bank carefully checks and verifies the original data of the customer, identifies the authenticity of all the signers, supervises the signature of the customer, collects the original property certificate and deposit (the specific amount is determined by the buyer and the seller), copies the data, and reminds both parties to handle accounts in the bank
fill in the contract:
the bank sorts out the information and fills in the contract according to the relevant information provided by the customer
payment obligation:
the bank will inform the customer to pay the fee after passing the preliminary examination
property right transfer:
the buyer and the Seller shall handle the property right transfer proceres with the help of the housing authority; The lender shall prepare relevant materials and go to the bank for mortgage proceres
bank loans.
8. Inquiry office, certificate handling window, transfer window, tax payment, notary office, certificate collection window, real estate notary office inquiry, mortgage verification, mortgage cancellation, other rights certificate and other windows.
9. The first step in the procere of buying a house: the key is to check the property right of the house.
to buy a house, we must see whether the relationship between the land and the property right of the house is clear, and whether there are disputes left over, so as to prevent the two sales of one house; Examine and approve the integrity, authenticity and reliability of housing property rights. Pay attention to whether the owner's name on the property certificate is consistent with the seller, whether there is mortgage or co owner, etc; It is necessary to make clear whether the house purchased is commercial housing, fund-raising housing or affordable housing. Fund raising housing can only be listed and traded after the seal of the unit, while affordable housing can only be listed and traded after living for 5 years
if it is a real estate, first of all, we need to know whether the developer has the qualification for pre-sale of commercial housing, that is, to check whether the "five certificates" are complete. Five licenses refer to "construction land planning license", "construction project planning license", "construction project construction license", "state owned land use license" and "commercial housing sales (pre-sale) license"
the second step in the procere of buying a house: sign a contract
confirm the legal identity of the buyer and the seller. Before signing the real estate agency contract, we should review their qualifications to see if they have gone through the instrial and commercial registration proceres; Examine the power of attorney of the other party to confirm that the other party is the legal agent of the seller. When signing the "sales contract", the buyer shall pay the down payment or deposit for the house purchase. Remember that the down payment shall be given to the seller in person, and the Seller shall issue a receipt. To other people, we must examine the power of attorney of the other party to confirm whether the other party is the legitimate agent of the seller
the third step in the procere of buying a house: go through the procere
the necessary procere can not be simplified. After the three steps of choosing a house, looking at the house and signing a contract, we will enter the substantive stage of buying a house. Specifically: housing area surveying and mapping, housing value evaluation, housing mortgage, housing property rights transfer, receipt
after purchasing a house, we should apply for the house property certificate as soon as possible, and urge the seller to move out of the account as soon as possible; Do not simplify the proceres, do not deal in private, and handle the transfer proceres legally and thoroughly. The transfer of property rights must be reported to the property rights department to complete the transfer proceres
the fourth step of house purchase procere: house delivery
according to the contract, after handling all the proceres, the buyer and the Seller shall hand over the house according to the contract terms, accept the house decoration and ancillary facilities that cannot be removed in the house, and the buyer shall pay after passing the acceptance. The buyer shall not pay all the house price before obtaining the house property certificate
for the payment of taxes, it should be indicated in the sales contract which party should pay the taxes, and those not indicated should be borne by each party according to the regulations; Finally, according to the regulations of the real estate trading center, when getting the house property certificate, you must be present in person. If you can't get the certificate in person for some reason, you should go through the notarization proceres of entrusted Certificate in advance.
to buy a house, we must see whether the relationship between the land and the property right of the house is clear, and whether there are disputes left over, so as to prevent the two sales of one house; Examine and approve the integrity, authenticity and reliability of housing property rights. Pay attention to whether the owner's name on the property certificate is consistent with the seller, whether there is mortgage or co owner, etc; It is necessary to make clear whether the house purchased is commercial housing, fund-raising housing or affordable housing. Fund raising housing can only be listed and traded after the seal of the unit, while affordable housing can only be listed and traded after living for 5 years
if it is a real estate, first of all, we need to know whether the developer has the qualification for pre-sale of commercial housing, that is, to check whether the "five certificates" are complete. Five licenses refer to "construction land planning license", "construction project planning license", "construction project construction license", "state owned land use license" and "commercial housing sales (pre-sale) license"
the second step in the procere of buying a house: sign a contract
confirm the legal identity of the buyer and the seller. Before signing the real estate agency contract, we should review their qualifications to see if they have gone through the instrial and commercial registration proceres; Examine the power of attorney of the other party to confirm that the other party is the legal agent of the seller. When signing the "sales contract", the buyer shall pay the down payment or deposit for the house purchase. Remember that the down payment shall be given to the seller in person, and the Seller shall issue a receipt. To other people, we must examine the power of attorney of the other party to confirm whether the other party is the legitimate agent of the seller
the third step in the procere of buying a house: go through the procere
the necessary procere can not be simplified. After the three steps of choosing a house, looking at the house and signing a contract, we will enter the substantive stage of buying a house. Specifically: housing area surveying and mapping, housing value evaluation, housing mortgage, housing property rights transfer, receipt
after purchasing a house, we should apply for the house property certificate as soon as possible, and urge the seller to move out of the account as soon as possible; Do not simplify the proceres, do not deal in private, and handle the transfer proceres legally and thoroughly. The transfer of property rights must be reported to the property rights department to complete the transfer proceres
the fourth step of house purchase procere: house delivery
according to the contract, after handling all the proceres, the buyer and the Seller shall hand over the house according to the contract terms, accept the house decoration and ancillary facilities that cannot be removed in the house, and the buyer shall pay after passing the acceptance. The buyer shall not pay all the house price before obtaining the house property certificate
for the payment of taxes, it should be indicated in the sales contract which party should pay the taxes, and those not indicated should be borne by each party according to the regulations; Finally, according to the regulations of the real estate trading center, when getting the house property certificate, you must be present in person. If you can't get the certificate in person for some reason, you should go through the notarization proceres of entrusted Certificate in advance.
10. The situation varies from place to place. Generally, it's the household registration book, ID card, marriage certificate (Bachelor provides bachelor certificate), unit income certificate and bank statement. Different bank policies may have small differences. In addition, foreign accounts also need to provide social security or tax proof (different years)
first of all, make sure the qualification is passed<
1. Certificates required for full payment:
1. Married: marriage certificate, ID card and household registration book of both husband and wife
2. Single: ID card, household registration book and single certificate. 2. Proceres:
one time payment. Generally, you can pay directly at the Sales Office (including the money of various taxes). The remaining sales offices can handle it on their behalf, waiting for the property right certificate< Married: marriage certificate, household register, income certificate, of business license with official seal, salary card (one year or six months, different banks, different needs), ID card, spouse's ID card, spouse's household register, spouse's marriage certificate. If two people borrow money together, the spouse also needs to show the proof of income, the of the business license of the unit, the official seal and the salary
2. Single: single certificate (which can be proced by the unit, street or local police station), account book, income certificate, bank slip and ID card
proceres:
1. New house: go to the Bank alone to sign (with the above information, the sales will be informed of the specific information)< 2. Second hand house: go to the bank with the seller for face-to-face signature< (3) documents required for housing purchase with Provident Fund:
materials required for indivial application for housing loan with Provident Fund: 1. Copy of applicant's ID card; 2. A of the applicant's household register (including the home page of the home page); 3. The original income certificate of the applicant; 4. The original certificate of the applicant's provident fund deposit; 6. Original purchase contract and down payment invoice. If married, the above-mentioned materials and copies of marriage certificate of the spouse shall be provided; 7. A of the house sales license; 8. Copy of land use certificate< Proceres:
proceres for housing loan of provident fund: 1. The management center reviews the application materials and signs the loan contract according to the loan approval form if it meets the loan conditions. 2. Go through the guarantee proceres with the guarantee company and sign the mortgage contract. 3. Sign bank receipt and entrusted dection agreement with the entrusted bank. 4. The management center entrusts the bank to transfer the loan funds into the account of the selling unit. 5. The guarantee company shall go through the real estate mortgage registration proceres for the lender
first of all, make sure the qualification is passed<
1. Certificates required for full payment:
1. Married: marriage certificate, ID card and household registration book of both husband and wife
2. Single: ID card, household registration book and single certificate. 2. Proceres:
one time payment. Generally, you can pay directly at the Sales Office (including the money of various taxes). The remaining sales offices can handle it on their behalf, waiting for the property right certificate< Married: marriage certificate, household register, income certificate, of business license with official seal, salary card (one year or six months, different banks, different needs), ID card, spouse's ID card, spouse's household register, spouse's marriage certificate. If two people borrow money together, the spouse also needs to show the proof of income, the of the business license of the unit, the official seal and the salary
2. Single: single certificate (which can be proced by the unit, street or local police station), account book, income certificate, bank slip and ID card
proceres:
1. New house: go to the Bank alone to sign (with the above information, the sales will be informed of the specific information)< 2. Second hand house: go to the bank with the seller for face-to-face signature< (3) documents required for housing purchase with Provident Fund:
materials required for indivial application for housing loan with Provident Fund: 1. Copy of applicant's ID card; 2. A of the applicant's household register (including the home page of the home page); 3. The original income certificate of the applicant; 4. The original certificate of the applicant's provident fund deposit; 6. Original purchase contract and down payment invoice. If married, the above-mentioned materials and copies of marriage certificate of the spouse shall be provided; 7. A of the house sales license; 8. Copy of land use certificate< Proceres:
proceres for housing loan of provident fund: 1. The management center reviews the application materials and signs the loan contract according to the loan approval form if it meets the loan conditions. 2. Go through the guarantee proceres with the guarantee company and sign the mortgage contract. 3. Sign bank receipt and entrusted dection agreement with the entrusted bank. 4. The management center entrusts the bank to transfer the loan funds into the account of the selling unit. 5. The guarantee company shall go through the real estate mortgage registration proceres for the lender
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