Shenzhen second hand housing transactions using digital currency
1, you need to provide the owner's ID number and the property certificate number
I have to find out the taxable unit price of the property before calculating the specific tax
2, and whether the owner's bonus is in hand. If not, how much is it owed to the bank?
1. 2. Notarization fee of the owner (notarization by the seller)
4. Evaluation fee (buyer) > 5. Ransom fee (coordinated by the buyer and the seller, generally paid by the buyer)
7. Printing contract fee, paying relevant taxes (buyer)
8. Mortgage registration fee
2 Unmarried certificate (if you are married, you need to show the of marriage certificate and spouse's Province certificate, but it is generally easier to go through the relevant proceres according to unmarried), capital flow of common account for half a year
the seller needs ID card, household register, unmarried certificate, repayment list for half a year, original mortgage contract and original loan contract, Only before the transfer of ownership to sign a formal contract to
four can do, only need to sign mortgage information and guarantee information, and then before the transfer of ownership to sign a formal contract to
four
deed tax:
1%
the first set is less than 90 square meters
personal tax: 20% of the price difference
business tax and surcharges: 5.6%
the property right of the house is less than five years
must pay
transaction fee: 6x area
cost of proction: 80%
After the Shenzhen housing and Urban Rural Development Bureau adjusted the purchase quota of commercial housing, housing credit measures and tax regulations, although the second-hand housing market has cooled for some time, the purchase transaction has begun to rebound. Since then, Shenzhen has continued to repair the real estate market. For example, if a couple divorce and the real estate department registers in the name of the unqualified party, the other party is not allowed to buy commercial housing in Shenzhen within three years after the divorce. However, the second-hand housing market has not been significantly affected. This time, it is more fatal to use the reference price of the second-hand housing transaction as the basis for mortgage loans
the scale of the bank evaluation system will directly affect the second-hand housing loan space. The reference price will be updated as the market changes, and tentatively changed every year. The reason why the reform has aroused widespread concern is that if the transaction price is used as the basis of mortgage loan in Shenzhen's second-hand housing market, it will directly affect the loan limit and down payment of house buyers. it can be seen that the reform has more or less certain impact on Shenzhen's second-hand housing market
Second hand house transfer process
1. Both the buyer and the seller should prepare the information needed for the transfer; Specifically, it includes the house certificate, the identity certificates of the buyer and the seller, the marriage status certificate of the seller, the house verification certificate, the sales contract and other information that the housing registration agency considers necessary to provide Take these materials to the housing pre-trial window, from the first pre-trial
4, housing pre-trial, after the end of the housing assessment window, assess your housing price, pay attention to the price is not equal to the price of the house and seller's transaction
5, after the housing appraisal, go to the registered residence window to inquire about the names of several properties, and then pay the housing deed tax. After the house deed tax is paid, it is the process of arranging number and signing to get the house book.
extended information:
second hand house transaction tax
1. Business tax (tax rate 5.55% paid by the seller)
non ordinary houses that have been sold for less than 5 years are subject to business tax in full amount, Business tax shall be levied according to the difference between the two transactions for the non ordinary residential houses that have been sold and purchased for more than 5 years or the ordinary residential houses that have been sold and purchased for less than 5 years. Business tax shall be exempted for the ordinary residential houses that have been sold and purchased for more than 5 years, If the family has only one house but the purchase time is less than 5 years, it needs to pay in the form of tax deposit first. If it can buy the house again and obtain the property right within one year, it can return the tax deposit in whole or in part, The specific refund amount is 1% of the lower transaction price of the two sets of real estate
if the real estate sold is non residential, the indivial income tax should be paid no matter what the situation is, and the personal income tax should also be charged 20% of the difference when the Local Taxation Bureau pays the difference of business tax in the process of Taxation
3 Deed tax (base tax rate 3%, preferential tax rate 1.5% and 1% paid by the buyer)
3% of the total transaction amount shall be collected according to the base tax rate. If the buyer first purchases an ordinary residence with an area less than 90 square meters, 1% of the total transaction amount shall be paid. If the buyer first purchases an ordinary residence with an area more than 90 square meters (including 90 square meters), 1.5% of the total transaction amount shall be paid, 300 yuan for more than 75 square meters and less than 144 square meters, 400 yuan for more than 144 square meters
5. The total transaction fee of second-hand house
6 yuan / square meter for residence × The actual surveying and mapping area, non residential 10 yuan / m2
6, registration fee
cost 80 yuan, a total of 20 yuan
what you need to pay attention to:
whether the housing proceres are complete, whether the property right of the house is clear, whether the house is being rented, whether the land situation is clear, whether the municipal planning is affected, whether the welfare house is legal, whether the unit house is infringing, whether the property management fee is overe, whether the intermediary company violates the rules, whether the contract is clear, etc<
detailed process of second-hand house transaction:
1. The buyer should investigate the property right of the house. In examining and approving the integrity, authenticity and reliability of the property right of a house, we should pay attention to whether the name of the owner on the property right certificate is consistent with the seller, whether there is mortgage or co owner, etc
2. Sign a second-hand house sales contract
3. Generally speaking, this process takes 5-7 working days
4. Relevant mortgage business should be handled for the house with loan. If it is a combination of provident fund loan and commercial loan, it should apply to provident fund center and bank at the same time. This is the most time-consuming stage in the whole process of second-hand house self trading, which usually takes about 40 working days
5. After the mortgage is completed, the other warrants of the property should be cancelled
6. Submit the contract to the relevant service window of the property rights trading center of the housing management department and get the acceptance form
7. Pay relevant taxes in the agricultural tax center with the acceptance form and get the deed tax payment certificate
8. Apply for house property certificate in housing management department and land use certificate in land management department with tax payment certificate
9. Property delivery
this information is from: Super broker.com