The house is mortgaged and cannot be signed online. Online signing can only be done after the mortgage is lifted. Development enterprises should clearly indicate the buyers when selling such houses.
Property buyers in the purchase of such housing, and development enterprises should be clear about the release and online signing time.
1. Can the mortgaged property be transferred?
Depending on the bank, the mortgaged property is generally not transferable, but both parties can go to the bank to negotiate. If the bank agrees, both parties can go through the relevant formalities with the materials. If the bank doesn't agree, it won't work. You must repay the loan and cancel the mortgage before you can transfer the ownership.
Second, what is the housing transfer process?
1. The buyer and the seller apply to the real estate transaction management department for review.
2. The buyer and the seller establish information communication channels, and the buyer understands the overall situation and property rights of the house, and requires the seller to provide legal documents, including house ownership certificate, identity certificate and other documents.
3. If the house provided by the seller is legal and can be traded on the market, the buyer can pay the house purchase deposit, and the buyer and the seller sign the house sales contract. After the buyer and the seller reach an agreement on the location, property right, selling price, delivery time, delivery method and property right disposal of the house through consultation, both parties shall sign at least three house sales contracts.
4. After the buyer obtains the ownership certificate of the house and pays off all the house price, and the seller delivers the house and settles all the property fees, all the second-hand house sales contracts of both parties are fulfilled.
3. What fees do I need to pay for the house transfer?
1, business tax.
After the 20 16 camp reform, we will judge whether it can be exempted according to the number of years of the real estate license. According to the regulations, if an individual transfers a house, a transfer contract has been signed before April 30, 20 16, and if the property right is changed after May, 16, business tax will not be paid.
2. Deed tax.
Current policy: residential buildings under 90 square meters1%; Residential 90- 144 is1.5%; The rest, whether residential or non-residential, is 3%.
3. Personal income tax.
If the real estate license is sold within 5 years after it is issued, the income tax will be levied at 1% of the sales price (in some places, the income tax will be levied at 20% of the difference between the sales price and the original sales price, and there are also two cases where 1 is selected); The real estate license will be sold in five years. If it can be proved that the seller sells the house for family living, it can be exempted from income tax!
4. Stamp duty.
Houses below 90 square meters are exempted; Others are levied at 0.05% of the sales price!
5. Evaluation fee.
If the transfer does not require mortgage, it should not require evaluation. The assessment fee is generally less than 5‰. The specific rates vary from place to place. (Three cases: no mortgage, no assessment may be needed, so no assessment fee is needed; It is also possible that the assessment fee has been included in the intermediary fee of the mortgage; It is also possible that the core of real estate transaction is directly charged to the applicant when the transaction is transferred. )
6. Other expenses.
Some places may also involve production costs, registration fees, transaction fees, etc. , but the number is small. Land transfer fee for housing reform: paid according to local policies, which varies from place to place.