First of all, this kind of house is very risky to buy and sell, so I suggest you be cautious! Of course, for the buyer, the risk is relatively higher.
This house is transferred by auction, and there is no real estate license. The first is legal risk. The prohibition of auction transfer in the State Council means that the courts generally do not support the sales contracts of such houses, which means that they are probably invalid contracts because they are illegal. Secondly, time risk, because the delivery time is uncertain or the cycle is long, the time interval between signing the agreement and actually handling the transfer is very long, which is easy to change, especially now the market price changes, which is easy to make people go back on their word!
However, many people have bought this kind of house, and the actual operation has been successful. Generally, there are two ways: changing the bill and waiting for the house to be transferred.
1, change the order; In other words, the agent tells you to transfer the contract. This method is mostly used for houses that have not obtained real estate licenses. With the cooperation of the developer, the new buyer's house can be handled directly, which can save the taxes and fees generated by the transfer, and the owner can also recover the house payment quickly. Generally, new buyers will pay all the money when signing a contract with the developer. Of course, at present, this is prohibited by the state, strictly speaking, it is illegal operation. This operation is related to whether developers cooperate, not all houses can do it. If your house has already paid the deed tax, the deed tax is paid to the local tax, and there will be a local tax department, which will be more difficult. Simply put, you need the cooperation of the developer and the local tax department. According to your experience, it is almost impossible to change the bill for your house. In addition, your loan has not been settled, and the bank should not have handled the mortgage loan. I don't know what's going on if you have already handled the property mortgage. Let me give you an example: your loan was not approved. According to the contract, it should be paid in full in cash, but you paid it in full and the house was mortgaged to the bank? Therefore, under normal circumstances, real estate mortgage needs to be handled after the bank lends money. According to what you said now, the mortgage should not be handled yet.
2. transfer. The policy operation of buying second-hand houses, signing a house purchase contract, waiting for the owner to obtain the real estate license (it is safer to sell after obtaining the real estate license), both parties sign and pay taxes, and transfer the ownership according to the Internet, so that the buyer obtains the property right of the house. This method is commonly used and belongs to normal operation (except that the contract signed by the house has not yet been obtained, and the effect is to be determined), but it will increase the taxes and fees of the second-hand house, and the owner will have to wait for a long time and recover the house payment later.
If you change the bill, you need to pay the fee for handling the real estate license. According to your current situation, there are generally the following expenses.
Deed tax 1.5% or 3%, public maintenance fund 2%. This method is generally paid by the buyer, and it is up to you to negotiate with the buyer.
If you take the form of transfer, you need to pay legal fees first, complete the real estate license under your own name, and then transfer the house to the buyer. You also need to pay 1.5% or 3% deed tax to the statutory taxpayer, 5% business tax to the seller and 1% personal income tax to the seller. Although there is legal tax payment, it is up to you to discuss with the buyer who will pay.
There are still some risks in buying and selling this house. If you are not short of money, you'd better wait for the real estate license to come down before trading. At that time, the risk of buyers will be small, and if the market does not deteriorate, the price will be much better. Be careful! Good luck!