The buyer and the seller establish information communication channels, and the buyer knows the overall situation and property rights of the house, and requires the seller to provide legal documents, including house ownership certificate, ID card and other documents.
If the house provided by the seller is legal and can be traded on the market, the buyer can pay the house purchase deposit (deed tax: it depends on whether the buyer buys your suite as the first house, if so, it will be charged at 0% of the 65438+ mortgage, if not, it will be charged at 3% (the buyer).
Business tax: If your house is less than 5 years old and the area is less than 144 square meters, the difference business tax should be levied, that is, your current house price MINUS the original purchase price multiplied by 5.6% (the seller).
Individual tax: amount 1% (seller)
Transfer fee: 3 yuan/m2 (half for both parties).
Registration fee: 80 yuan/set (buyer)
Stamp Duty: Individual purchases are exempt from stamp duty, and only 5 yuan/Certificate is accepted (no party is specified).
Domestic industry fee: 73.8 yuan/case (no party is specified)
Documents required for transfer.
Second, how do Chongqing individuals apply for a mortgage, and what processes are needed?
If you are going to apply for personal housing loans through China Merchants Bank, you need to comply with the local housing purchase policy. If the age and loan period are different, you need to provide proof materials such as proof of use, proof of identity and proof of income. Please contact the personal loan manager for details.
If it is a "first-hand building", there are real estate and staff of China Merchants Bank to submit loan applications. If there is no cooperation, you can contact the building of the local China Merchants Bank outlet. Generally, it is necessary to apply for a loan from China Merchants Bank before handling the property transfer procedures, and it is necessary to provide information, which will be reviewed by the personal loan department. Please contact the Party for details.
3. What is the mortgage process?
First of all, answer directly.
There are five main steps in the process of buying a house with a bank loan.
Second, the specific analysis
1. Choose a house, sign a house purchase contract and pay a down payment.
2. Carry personal ID card, local household registration book or temporary residence permit, and economic income information (such as bank running water and deposit receipt). ), the purchase contract and down payment receipt to the designated bank outlets to find staff to apply for loans.
After receiving the application form at the counter and filling it out, submit the completed form to the staff together with the information you carry.
3. The bank shall conduct audit according to the data, arrange evaluation agencies and evaluate the value of the purchased property, and the loan amount shall be examined and approved by the examination and approval committee.
4. After receiving the approval notice, sign the loan contract at the bank outlet within the agreed time, and go through the mortgage registration formalities at the Housing Authority.
5. The bank issues loan funds (generally, the money will be lent to the provided collection bank card first, and then the system will transfer it to the account of the real estate developer or the original owner who sells the house).
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3. What are the conditions of mortgage loan? Banks will evaluate their economic income level and repayment ability according to the information provided when approving mortgage loans, and will inquire about their credit status.
In order to successfully approve the mortgage, several conditions must be met:
1, at least 18 years old, with valid residence status in the local area;
2. Personal credit is good, and there is no bad record or serious negative information in the credit report;
3 have a stable and legitimate source of economic income and the ability to repay the principal and interest of the loan on time.
4. Provident fund loans, it is required to ensure that the provident fund is paid in full and on time for six consecutive months, the account is in a normal state of payment, and there is no provident fund loan under the name or it has been settled.
4. How to apply for a mortgage in Chongqing, and what procedures are needed?
Housing mortgage loan refers to a loan that an individual pays a certain proportion of down payment when purchasing a house with property ownership certificate and a house or commercial house that can be traded in the market, and the rest is applied to a cooperative institution with the property to be purchased as collateral.
1. Information required for mortgage loan:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached);
2. Original purchase agreement;
3.65438+ 0 original and photocopy of the advance payment receipt for 30% or more of the house price;
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ;
5. The developer's collection account number 1 copy.