Before buying a house, you must first collect property information and make a selection before you can choose a cost-effective house. Now all kinds of real estate information are distributed on the internet, television, newspapers and other media. Property buyers can get the latest real estate information from the information released by these media and advertisements, or consult the sales department of the exhibition or the developer in order to understand the specific situation of the real estate.
2. Field trip:
If the house purchased is an existing house, it is best for the buyers to make an on-the-spot investigation in advance, not only to check the layout and decoration of the house, but also to check the surrounding environment and traffic conditions of the community where the house is located, and to understand the planning of the house in recent years. If the house you buy is an auction house, you should know the construction situation, especially the construction period and delivery time. At the same time, we should also have a certain understanding of the qualifications of developers and verify the five certificates of developers.
3. Sign the subscription book:
Before the formal signing of the commercial housing sales contract, the subscription book is usually signed first. Signing a subscription book can facilitate developers to understand the market acceptance of real estate and accumulate customer resources. The signed subscription book shall specify the purchase number, the time and place of formal signing, etc. At the same time, the buyer needs to pay a certain deposit according to the regulations of the developer.
4. Sign the sales contract:
According to the time and place agreed in the subscription book, the signing of the commercial housing sales contract is the most important link in the whole real estate transaction process, and it is also a certificate for safeguarding rights in the event of disputes in the future. Therefore, we must not be careless about the contents of the contract, we must read it carefully and make clear the risk of liability for breach of contract. The supplementary agreement also needs to be signed by both parties after consultation. After signing the sales contract, it is generally necessary to pay the down payment, and the developer needs to issue a special invoice for the real estate after receiving the down payment.
5. Handling bank loans:
Most property buyers will not pay off all the house payment in one lump sum, but choose to buy by mortgage, that is to say, after paying the down payment, the rest will be paid by bank loans. Therefore, property buyers need to apply for a loan from the bank after signing the sales contract, and the bank can sign the loan contract only after passing the qualification examination. When signing a mortgage loan contract, it is best for buyers to carefully check the terms and pay special attention to the exemption clauses in the contract.
6. Registration:
When the house sales contract and loan contract are signed, it is necessary to go to the local real estate management department for relevant registration and filing with relevant agreements and certificates. Registration and filing includes two parts, one is the registration and filing of the house pre-sale contract, and the other is the registration and filing of the house mortgage loan contract. The registration of the pre-sale contract must be completed within one month after the signing of the contract, and the developer shall go through the registration formalities with the relevant departments. The registration and filing of mortgage loan contracts generally requires the Housing Authority to issue relevant certificates, indicating that they were purchased in the form of mortgage, and at the same time, the contract needs to be stamped with the seal of "registered mortgage".
Taxes and fees to be paid for second-hand housing transactions
1. deed tax: generally, it is 1% of the house price (for the first suite, it can be paid under 90 square meters 1%, over 90 square meters 1.5%, and over 44 square meters1%).
2. Business tax: 5.6% of the real estate license is less than five years, and the business tax can be exempted if the real estate license is over five years.
3. Personal income tax, 1% (the real estate license is 5 years and only the house can be exempted).
4. Transaction cost: 3 yuan/square meter (but the average buyer needs to pay two transaction costs, that is, 6 yuan per square meter).
5. Surveying and mapping fee: according to the specific regulations of each district.
6. Ownership registration fee and evidence collection fee: Generally speaking, it is around 200 yuan.