When do I go to the trade center to buy a new house
response time: September 22, 2020. Please refer to the official website of Ping An Bank for the latest business changes
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After signing the contract, 5 working days to review the purchase qualification, qualified online sign, online sign after evaluation, 5 working days evaluation report down after signing
online signing means that after both parties sign the contract, they go to the relevant real estate department for filing and publish it on the Internet. Then you will give an online signature number, through which users can query online. Online signing is to make real estate transactions more transparent and prevent & quot; Sell more than one room
After the buyer and the seller reach the purchase intention, the online signing operator entrusted by the development enterprise will first enter the relevant information of the contract text in the online signing system. After the buyer and the seller confirm that there is no error, the online signing operator will submit the electronic text information of the contract to the online signing system for contract filing (2) after the contract applied for filing is submitted, the online signature system will immediately check the natural conditions of the house and other rights restrictions in the electronic text of the contract confirmed by the buyer and the seller. If the contract meets the filing conditions, it will be recorded in the register, and the online filing will be completed to generate the contract number. At the same time, the information of the commercial housing sold will be publicized in the online signature system and the commercial housing list on the website Third, after the completion of the filing, the development enterprise should immediately print out the online signed contract text that has been filed at the sales site, and keep it separately after the buyer and the seller sign and seal it. In addition, the buyer can also check the information that the contract has been put on record at the transaction registration agency with his identity certificate (4) after the completion of online signature filing, if the buyer and the seller need to cancel or change or correct the registered commercial housing sales contract for various reasons, both parties must apply to the transaction registration agency for cancellation of the original contract filing business at the same time with valid certificates and relevant registration materials. After the cancellation of the contract, the house can be sold again, and the contract can be signed online again, but the system records a change of hands In the future, real estate development enterprises must go through the project access proceres with the real estate management department and submit the relevant information and certification materials before applying for the pre-sale license of commercial housing, or applying for the registration of the ownership of new commercial housing for cash sale commercial housing There is an essential difference between online signing and filing. Online signing is only a network management system established by real estate management departments to regulate real estate enterprises, standardize the sale of houses, prevent development enterprises from covering up their plates and sell more than one houseand the filing is based on the & lt; Urban commercial housing pre-sale management measures & gt; Article 6: the license system shall be implemented for the pre-sale of commercial housing. When a development enterprise carries out the pre-sale of commercial housing, it shall go through the pre-sale registration with the real estate administrative department of the city or county and obtain the license for the pre-sale of commercial housing. Article 10 of the measures also stipulates that for the pre-sale of commercial housing, the development enterprise shall sign a pre-sale contract with the purchaser. The pre seller shall, within 30 days from the date of signing the contract, register with the real estate administration department or the land administration department of the people's government at or above the county level on the basis of the pre-sale contract
the joint effect of the two is to prevent the sale of more than one house. What we should pay attention to is that online signing has no legal effect of filing, and can only achieve the management effect of filing. If you want to achieve the legal effect of the record, you must go to the local real estate registration agency to go through the registration proceres
2. If the house property certificate has not been properly handled, the transaction can only be carried out after notarization at the notary office
attention should be paid in the transaction process:
(1) buy existing or quasi existing houses as much as possible. This can avoid many risks, such as: the height of the windowsill, the clear height is too low, the balcony design is unreasonable, the house is too small, the pipeline equipment layer, the house is rotten, indoor harmful gas, changing the house structure, cracks and other surface quality problems
(2) strive to reach the designated position in one step, sign the contract directly, do not pay the deposit, do not sign the subscription letter, etc., otherwise, it is easy to be passive and restricted. I really need to pay a deposit, but I don't want to pay too much. Although before signing a formal contract, the general deposit can be refunded legally, we should not give ourselves any trouble
(3) according to the law, the developer's commitment in the property book or advertisement should be written into the supplementary agreement. If the developer does not agree to write, a small recorder can be prepared in advance to record the oral promise of the developer
(4) when signing the contract, the property management agreement should also be signed according to the law, so as to prevent the property management fee from changing when checking in
(5) list the fees to be paid to avoid arbitrary charges.
let me show you the new deal.
1. Stamp ty: 0.05% of the house price.
2. Transaction fee: 3 yuan / square meter.
3. Intermediary fee: 2% of the house price.
4. Business tax: transaction price * 5.5% (property certificate less than 5 years)
5 Personal income tax: 20% of the profit of real estate transaction or 1% of the total house price (exemption can be granted if the house property certificate has been valid for 5 years and is the only house)
1), as far as possible to buy existing or quasi existing houses. This can avoid many risks, such as: the height of the windowsill, the clear height is too low, the balcony design is unreasonable, the house is too small, the pipeline equipment layer, the house is rotten, indoor harmful gas, changing the house structure, cracks and other surface quality problems
2) strive to sign the contract in one step, and do not pay the deposit or sign the subscription letter. Otherwise, it is easy to be passive and restricted. I really need to pay a deposit, but I don't want to pay too much. Although before signing a formal contract, the general deposit can be refunded legally, we should not give ourselves any trouble
3) according to the law, the developer's commitment in the property book or advertisement should be written into the supplementary agreement. If the developer does not agree to write, a small recorder can be prepared in advance to record the oral promise of the developer
4) when signing the contract, the property management agreement shall be signed in accordance with the law, so as to prevent the property management fee from changing (price rise, etc.) when checking in
5) list the fees to be paid to avoid arbitrary charges
6) who should lawyers represent? At present, in the field of real estate, there are three kinds of lawyers dealing with real estate business, including developers' lawyers, banks' lawyers and owners' lawyers. Only lawyers employed by the owners themselves can speak for the owners themselves. 7) Sign as detailed supplementary agreement or collective contract as possible; And how to bear the responsibility for breach of contract, check out or not check out. What are the charges for checking out? How to bear the responsibility for breach of contract without checking out? Many owners after signing the contract, in addition to their own signature, other words are other people's font, which is too passive.
