(A) about the buying and selling procedures of private houses
1. Concluding a sales contract: After the buyers and sellers of real estate have reached a * * understanding of the location, property rights and transaction price of the real estate through contact and negotiation, they will sign a formal real estate sales contract.
2. Accept the examination of the real estate transaction management department: After both parties to the real estate transaction go through the application formalities at the real estate transaction management department where the real estate is located, the management department should check the relevant documents, review the property rights, conduct necessary on-site investigation, and the appraisers will appraise the traded real estate.
3. Transfer of title deed and payment of taxes and fees: After the real estate transaction management department reports to the relevant person in charge for approval according to the nature of property right and the object of purchase, the agent informs the buyer and the seller to go through the formalities of signing the title deed. The buyer and the seller sign and seal the contract, and pay the handling fee and related taxes to the real estate transaction management department.
4. Handling the formalities of property right transfer and transfer: After the buyers and sellers handle the formalities of sale and transfer through the real estate exchange, the buyer will go to the real estate property management department where the house is located to register the transfer of property right and land use right with the purchase contract issued by the real estate exchange in exchange for a new real estate license.
(two) on the purchase of public housing and affordable housing sales procedures.
1, the seller is qualified to enter the site, and the house owner holds the house ownership certificate; Identification certificate; Some houses have the ownership of * * * *, and also hold the written opinions of others agreeing to sell * * * *, and apply to the district and county real estate transaction management departments where the houses are located for the Application Form for the Listing and Sales of Purchased Public Housing and Economically Affordable Housing and the Consultation Form for the Listing and Sales of Purchased Public Housing and Economically Affordable Housing. The transaction management department shall complete the review within 15 working days and make a written decision on approval or disapproval.
2. The buyer and the seller reach a transaction agreement and go through the formalities for the transfer of title deed to the house transaction management department.
(1) After the house is approved for listing, the seller can find buyers, entrust acquaintances, advertise and entrust agents through the Internet. The buyer and the seller negotiate to determine the transaction price and sign a written contract.
(2) Both parties shall go to the transaction management department with the sales contract and relevant documents to handle the transfer formalities of the deed certificate. The seller shall submit the house ownership certificate or confirmation certificate; Identity card or other valid identification; Written opinions on the ownership of the house and others' consent to the sale; The written decision of the transaction management department to approve the listing and sale. The buyer must submit the identity card or other valid identification certificate of this city; Individuals from other provinces and cities also need to submit proof of purchase approved by relevant departments.
(3) The transaction management department shall complete the audit within 25 working days from the date of acceptance (including the application of two or more evaluation methods if the declared transaction price is obviously lower than the normal market price level at that time), and collect customs duties, fees and benefits in accordance with the relevant provisions, and go through the formalities for the transfer of title deed.
3. The buyer shall handle the house ownership certificate. The buyer applies to the county land administrative department for land transfer with the sales contract, relevant materials of deed transfer and a copy of the seller's house ownership certificate, and pays the land transfer fee at 3% of the house transaction price.
4. After completing the above procedures, with the transfer deed, the certificate of paid land transfer fee and other required documents, go to the district and county ownership registration department where the house is located to handle the house ownership certificate.
(3) What are the procedures for buying a house with a mortgage loan?
1. Sign a house purchase contract with the developer.
At this time, it is necessary to check whether the developer has "five certificates": State-owned Land Use Certificate, Construction Land Planning Permit, Construction Project Planning Permit, Building Construction Permit and Commercial Housing Sales (Pre-sale) Permit.
2. Pay the down payment and pay attention to keep the down payment receipt.
3. Fill in the personal housing loan application form in the bank.
Developers will generally sign cooperation agreements with one or several banks, and it will be more convenient to handle mortgage loan agreements with banks that have agreements with developers. Bring down payment receipt and personal housing loan application form of commercial housing sales contract.
4. Banks review mortgage applications.
The bank's credit staff will review and approve the materials submitted by the applicant step by step. If it is considered that it meets the conditions of bank loans, the applicant shall be notified to sign the Individual Housing Mortgage Loan Contract, and the contract period shall not exceed 30 years.
5. Go to the Housing Authority to apply for the certificate of other rights of the house, which proves that the house has the mortgage right of the bank. Go to the notary department for notarization of property right mortgage. Go to the insurance company to apply for family insurance.
The above procedures will generally be handled by the bank.
6. Open an account.
Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank.
7. Recover the loan.
With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract.
8. Repay as agreed.
The borrower must repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract, otherwise the bank can recover the house according to law.
9. Repay the loan.
After the loan principal and interest are settled, the mortgage registration is cancelled, and the buyer becomes the real owner of the house.
(4) What are the procedures for housing provident fund loans to buy a house?
Housing provident fund is the source of funds for granting housing mortgage loans to employees. Workers who have paid the housing provident fund in full and on time for more than one year and are not in arrears can apply for policy-oriented housing loans if they purchase housing approved by the housing provident fund management center.
What is the application procedure of employee housing provident fund mortgage loan?
Step 1: Employees who are willing to buy houses pay the housing accumulation fund and ask the selling unit (developer or fund-raising institution) about the houses they have purchased. If the project is a housing provident fund loan project approved by the housing provident fund management center, they can apply for a housing provident fund loan from the selling unit.
Step 2: The borrower prepares the following information and submits it to the selling unit, which verifies whether it is the depositor of the housing provident fund:
Step 3: Sign a loan contract, apply for individual housing loan insurance at the place notified by the handling personnel, and the bank undertaking housing provident fund loan business will conduct loan review.
Step 4: Apply for mortgage registration of individual housing loan.
Step 5: The Housing Provident Fund Management Center will notify the undertaking bank to lend money after the final review of all loan information.
What is the term of employee housing mortgage loan?
The term of employee housing mortgage loan is: the longest loan term does not exceed 20 years (in some places, it does not exceed 30 years), and the longest loan term plus the borrower's age does not exceed the statutory retirement age.
What is the mortgage loan amount of employee housing provident fund?
Determine the actual loan amount according to the loanable amount and the maximum amount.
The maximum loan amount is announced by the housing provident fund management center at the beginning of each year, and the loan amount shall not exceed 70% of the total cost of house purchase.
Loan amount = (sum of monthly salary base of housing accumulation fund of the borrower and his family members in the current month) *30%* 12 (month) * loan period (year)
What is the annual interest rate of employee housing mortgage loan?
Within 5 years (including 5 years): 4.50%; More than 5 years: 4.95%.
The interest rate of policy mortgage loan is adjusted with the adjustment of the interest rate of the People's Bank of China.
How do employees repay housing mortgage loans?
1. The loan principal and interest shall be repaid by monthly matching principal and interest method or monthly average capital method.
(A) monthly matching principal and interest method
Monthly interest rate ×( 1+ monthly interest rate) Loan term (month)
Monthly repayment of principal and interest = loan amount × (1+ monthly interest rate) loan period (month)-1.
Where: monthly repayment interest = loan balance × monthly interest rate = monthly repayment of principal and interest-monthly repayment of interest.
(2) Monthly repayment of principal and interest by the average capital method = monthly repayment of principal+monthly repayment of interest.
In which: monthly repayment of principal = loan amount ÷ loan term (month) monthly repayment of interest = loan balance × monthly interest rate.
2. The borrower shall deposit the repayment funds in full into the personal repayment account on time from the next month after the loan is issued (if it is withheld by the unit, it will be deducted from the personal salary every month). If the repayment cannot be made in time in the current month, the funds deposited in the next month will include default interest in addition to normal monthly repayment.
3. If the monthly repayment is overdue or early, interest will be charged according to the actual loan balance.
4. After the loan is paid off, go to the undertaking bank and the housing provident fund management center for the loan payment certificate, and then go to the real estate exchange to cancel the mortgage. If you repay the loan in advance, you can also use this certificate to surrender to the insurance company according to the actual loan period.
(E) The latest second-hand housing transaction process
(1) Buyer's consultation: 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, identity certificate and other documents.
(2) Signing a contract: the seller provides the legal proof 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 a house purchase contract (or a 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.
(3) Transfer: 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 above answers were published on 20 15- 12-08. Please refer to the actual situation for the current purchase policy. )
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