1. It is suggested that buyers should be clear about their own housing needs and choose a reputable large-scale real estate agency to choose a house.
2. After choosing a house, sign a tripartite agreement with the real estate agent and the owner and pay a deposit.
3. The buyer and the owner meet with the intermediary company, and under the supervision of the intermediary company, the owner and the buyer sign a real estate sales contract; At this time, the relationship between the two parties was formally established, and the buyer paid the down payment to the owner and the agency fee on the agreed date, and the agency company began to handle the loan procedures for the buyer. After the loan is agreed to be issued, the transfer formalities will begin.
4. According to the requirements of property right transfer registration, buyers and sellers need to prepare the information needed for transfer.
5. The full-time transfer agent of the intermediary company carries the buyer, the owner and relevant information to the local taxation bureau for tax verification; If it can be listed and traded, the local taxation bureau will issue a list of deed tax and business tax, which will be paid by the buyer and the homeowner on the same day, and the local taxation bureau will issue a tax receipt.
6. The buyer and the owner shall go to the real estate trading center to handle the registration and tax payment procedures under the leadership of the transfer clerk. The buyer and the owner shall submit deed tax and business tax receipts and all documents required by both parties for transfer, fill in the Application Form for Registration of House Ownership Transfer, receive the acceptance notice, and pay the house stamp duty at the same time. During this period, the real estate trading center will conduct a preliminary examination and review of the documents and tax payment provided by the buyers and sellers to ensure that the transfer conditions are correct, otherwise the trading center will inform the intermediary company of relevant issues in time.
7. The intermediary leads the new owner and the old owner to hand over the property, that is, the cost of water, electricity and cable TV in the house is settled, and finally the furniture is inspected.
8.20 working days later, the transfer clerk will inform and lead the new owner to the real estate transaction center to receive the new property certificate, and inform the original owner to prepare to receive the house payment. At this point, the transfer procedures for purchasing second-hand houses have been completed.
Buying a second-hand house is the most important thing, and there are often many disputes in the process of transfer. Therefore, before buying a second-hand house, you should know some problems about the transfer procedures and be aware of them. The following is a summary of the procedures for purchasing and transferring ownership.
Second-hand housing transfer procedures:
Purchase and transfer procedures. Go to the "Registration Information and Verification Agreement" window to register information and verify the agreement online;
Purchase and transfer procedures. Go to the "real estate appraisal" window to go through the appraisal procedures;
Purchase and transfer procedures. Go to the "Notarization" window for notarization procedures;
1. The applicant's resident identity card or household registration book and its copy;
2. If the agent applies on his behalf, the entrusted agent shall submit the power of attorney, ID card and its copy; Other agents need to submit agency qualification certificates;
3. Proof of the property right of the inherited property;
4. The death certificate of the deceased;
5. If the legal heir has died, a death certificate and a certificate of kinship shall be submitted;
6. Proof of the decedent's marriage, parents, children and related relatives;
7. Other certificates and materials that the notary believes should be submitted;
Purchase and transfer procedures. Deal with the transaction procedures in the "private transaction" window;
Procurement transfer procedure. Pay stamp duty in the "deed tax stamp duty" window;
6. Go to the "Real Estate Registration and Certification" window to handle the renaming procedures of the "Property Ownership Certificate".
Shijiazhuang second-hand housing transfer process:
1, sign the contract.
Signing a contract means that both buyers and sellers sign a real estate sales contract with the real estate supervision department at the same time, and the transaction price of the house needs to be determined by the staff of the real estate supervision department or according to the evaluation report;
2. Pay taxes.
Paying taxes refers to the payment of relevant taxes and fees by buyers and sellers in accordance with state regulations, which currently mainly includes: deed tax, house transaction management fee and property right registration fee;
3. register. Registration means that after the buyer and the seller pay the relevant taxes, the buyer fills in the registration form of house ownership as required and submits all the materials to go through the formalities of property registration;
4. Obtain evidence.
Obtaining evidence is the last link. After the transfer, the buyer goes to the property right supervision department to get a new "Property Ownership Certificate", and then the whole transfer procedure is over.
What problems should be paid attention to in the transfer of second-hand houses in Shijiazhuang are as follows:
1. Verify whether the ownership of the house is defective, whether the owner of the house agrees to transfer the house, whether the house is mortgaged, leased or used as capital contribution, etc.
Some houses have more than one owner, and the buyer should sign a house sales contract with all the owners.
2. Try to pay the house payment after the transfer of property rights, or pay the house payment in escrow to minimize the risk.
3 understand and verify the payment and settlement of public maintenance funds, property fees and other expenses, and implement the handover procedures.
4. Some second-hand houses were rented by others when they were transferred. If the property buyers only look at the property ownership certificate and pay attention to the transfer procedures, but don't pay attention to whether there is a lease, then it is very likely that the property buyers will get the property that they can't stay in time or are using.
The above is a detailed introduction of the second-hand housing transfer process and matters needing attention in Shijiazhuang, which can be used as a reference. In addition, in order to avoid the transfer risk of second-hand houses in Shijiazhuang, the time of house transfer should be specified in the house sales contract, and the liability for breach of contract should be stipulated to prevent disputes in the future.
Know the house information before buying.
It is very important for buyers and sellers to establish information communication channels to let buyers know about the overall situation and property rights of the house and ask sellers to provide legal documents, including house ownership certificates, identity documents and other documents.
The buyer and the seller sign a house purchase contract.
The seller provides the legal certificate of the house, and the buyer can pay the house purchase deposit (paying the house purchase deposit is not a necessary procedure for the sale of commercial housing), and the buyer and the seller sign the house purchase contract (or house purchase contract). After the buyer and the seller reach an agreement on the location, property right, transaction price, delivery time, delivery method and property right disposal of the house through consultation, both parties shall sign at least three house sales contracts.
The buyer and the seller handle the transfer formalities.
The buyer and the seller apply to the real estate transaction management department for review. After the buyer and the seller apply to the real estate management department, the management department shall examine the relevant documents, review the property rights, and grant the transfer procedures for the houses that meet the listing conditions. If there is no property right or some property rights without the written consent of other property rights, the application will be refused and the listing transaction will be prohibited.
The buyer and the seller go through the signing formalities.
According to the property right status and purchase object of the transaction house, the relevant real estate departments shall report it to the examination and approval level by level according to the examination and approval authority set by the transaction department in advance, and both parties to the transaction can go through the formalities of signing the deed.
Pay house purchase tax.
The composition of taxes and fees is more complicated, depending on the nature of the transaction house. For example, the tax composition of commercial housing such as housing reform, rebuilding and demolition, and affordable housing is different. This part is usually paid by the buyer and should be clearly marked in the contract when concluding the purchase contract.
Go through the formalities of property right transfer.
After the real estate transaction management department completes the registration of property right change, both parties will hand over the transaction data to the issuing department, and the buyer will apply to the issuing department for a new property right certificate with the notice of receiving the property ownership certificate.
Go to the bank for a loan.
For the buyer of the loan, after signing the house sales contract with the seller, both the buyer and the seller will go to the loan bank to handle the loan formalities. The bank will review the buyer's credit status, evaluate the house that both parties want to trade, and then approve the buyer's loan. After the two parties complete the registration change of property rights and the buyer obtains the house ownership certificate, the bank will issue a one-time loan.
(The above answers were published on 20 15-06-24. Please refer to the actual situation for the current purchase policy. )
For more real estate information, policy interpretation and expert interpretation, click to view.