1. Sign the house handover book.
2. Apply for real estate license (abortion certificate). Individuals who apply for real estate license should ask the developer for a copy of the business license and other materials, and bring personal information to the housing trading center or the Housing Authority for the record.
3. Accept the new house and pay the property management fee (3-6 months).
4. Pay the maintenance fund. The maintenance fund is paid in one lump sum. If the community needs major repairs in the future, use this fund. Usually supervised by a specific bank and paid by the developer. (Maintenance fund = area coefficient)
5. Get the key.
Two, in the process of second-hand housing sales, must comply with the following provisions:
1. The real identity of the owner must be confirmed before the second-hand house transaction;
2. When signing a contract for the sale of second-hand houses, both parties must specify the liability for breach of contract;
3. The time of payment and transfer must be marked;
4. The handover time of second-hand housing related expenses must be indicated;
5. When signing a contract with an intermediary company, you must have a detailed list of agency fees;
6. To buy a house through an intermediary company, you must ask to meet the owner;
7. You must learn to use the supplementary agreement.
Three, for a one-time payment of second-hand housing, the fees to be paid are:
Deed tax 1. Deed tax: the plot ratio of residential buildings is above 1.0 (inclusive), and the single building area is below 140 (inclusive) square meters (increased on the basis of 120 square meters 16.7%), and the actual transaction price is lower than the average transaction price of houses on the same level of land. Otherwise, press 3%;
2. Stamp duty: the buyer and the seller each pay 0.05% of the house price;
3. Registration fee: 80 yuan/set;
4. Transaction costs: construction area *6 yuan/m2 (3 yuan for both parties);
5. Land transfer fee: 65438+ 0% of house price+20 yuan production fee;
6. Business tax: 5.55% of the house transaction price;
7. Personal income tax.
Four, for the purchase of second-hand housing loans, the fees to be paid are:
1. deed tax: the average house price is higher than the benchmark price of each district, the deed tax collection standard is 3% of the house price, the average house price is lower than the benchmark price of each district, and the deed tax collection standard is 65438+ 0.5% of the house price;
2. Stamp duty: 0.1%of the house transaction price;
3. Registration fee: 80 yuan/set;
4. Transaction costs: construction area *6 yuan/m2 (3 yuan for both parties);
5. Land transfer fee: 65438+ 0% of house price+20 yuan production fee;
6. Business tax: 5.55% of the house transaction price;
7. Urban construction tax: 7% of business tax.
8. Education surcharge: 3% of business tax.
9. Personal income tax: within 2 years of ordinary residence: {income from selling houses-total purchase amount-(business tax+urban construction tax+education surcharge+stamp duty) }× 20%; Ordinary residential buildings with more than 2 years (inclusive) but less than 5 years: (sales revenue-total purchase price-stamp duty) × 20%. Sale of public houses: within 5 years, (housing sales income-affordable housing price-land transfer fee-reasonable expenses) × 20%, in which affordable housing price = construction area × 4,000 yuan/m2, and land transfer fee = 1.560 yuan/m2×1%× construction area. Ordinary houses for more than 5 years shall be exempted. Personal income tax is not mandatory at present.
10. Evaluation fee: 0.5% of the evaluation price;
1 1. Mortgage registration fee: 80 yuan/set;
12. Insurance premium or guarantee fee: determined by the guarantee company or insurance company, generally1%-2% of the sum of loan principal and interest;
13. Lawyer's witness fee: 0. 1% of the loan amount; if it is less than 100, make up 100.