First, how to transfer the second-hand housing maintenance fund?
According to the relevant provisions of the Measures for the Administration of Residential Special Maintenance Funds, when the ownership of the house is transferred, the original property owner shall explain the deposit and balance of residential special maintenance funds to the new property owner. When handling the transfer procedures, the balance of residential special maintenance funds in the house account will be transferred together with the ownership of the house.
If the house has paid the special maintenance fund when handling the property right certificate, and the balance of the special maintenance fund account exceeds 30% of the down payment standard, the maintenance fund will be transferred at the same time when handling the property right transfer;
If the account balance is less than 30%, you need to pay this fee according to the current standard before you can transfer money. The current deposit standard of residential special maintenance funds is: high-rise buildings (multi-storey with elevators) pay according to the construction area of 90 yuan/square meter; Multi-storey (including villas) shall be paid according to the construction area of 50 yuan /m2. Housing special maintenance funds, commonly known as housing pension, will be used for the maintenance, renewal and transformation of * * * parts and * * * facilities and equipment after the warranty period expires.
Second, the second-hand housing maintenance fund transfer process
1. Go to the front desk for preliminary examination, print the contract, and provide the ID cards of the buyer and the seller, the seller's marriage certificate and the title certificate.
2. In the file query window, the seller himself shows his ID card and property right certificate, and fills in the form to query the number.
3. Tax declaration: Submit the property right certificate, the seller's marriage certificate, the identity cards of both parties and the copy of the contract to the general service desk. At the same time, show the original documents mentioned above and check the file information. If there is a notarial certificate, a copy of the trustee's ID card is required.
4. Go to the delivery window to show the real estate license, the ID cards of the buyer and the seller, the marriage certificate of the seller and the original contract. Get the pick-up notice.
5. Go to the car pick-up window to get the car pick-up notice, and go to the front desk to get the maintenance fund ticket. After paying taxes, the buyer only needs to show his ID card, fill in the delivery confirmation form, print a new title certificate and post the tax payment certificate in the window.
Three, the second-hand housing maintenance fund transfer matters needing attention
The Measures for the Administration of the Use of Public Maintenance Funds for Residential Buildings stipulates that maintenance funds should be used exclusively for the maintenance of facilities and equipment used in residential buildings after the warranty period expires.
1. When most second-hand houses are sold, the transfer of public maintenance funds has been stipulated in the contract. Intermediaries and lawyers also believe that the maintenance fund does not need to be transferred separately. I believe that more than 90% of buyers don't know or even realize this regulation.
2. The transfer policy of second-hand housing maintenance funds requires buyers and sellers to appear at the same time, which is obviously difficult to implement, and it is obviously unrealistic for owners who have bought houses for some years to have the original and copy of the special receipt for maintenance funds.
3. Buy a second-hand house and there is no transfer maintenance fund. The final result is likely to be that the real owners don't know the purpose of their own community maintenance fund, and the maintenance fund will be chaotic when it needs to be replenished.
What is the difference between it and refinancing business?