Take the fund custody business carried out by China Everbright Bank as an example. Buyers and sellers only need to hold the China Everbright Bank card and open a special account for custody. When custody funds are deposited, trading funds can be locked. When the conditions agreed by the buyer and the seller are completed, such as the transfer procedures, the bank and the buyer can give loans to the seller, ensuring the safety and reliability of the house purchase funds.

# Since the Housing Authority has the business of fund supervision, it has the obligation to provide fund security, and it has no right to directly give money to the seller without the consent of the payer. If you give the money to the Housing Authority, he will definitely give you a receipt. Ask this clearly when you pay the money. If not, it's hopeless. In fact, your question can be directly negotiated with the staff of the Housing Authority. There's nothing to ask. It is natural that it is not safe to put your own money in it. Don't worry, the seller is not at risk. Fund custody is to trust the down payment. After the transfer, the bank will automatically transfer the down payment to the account designated by the seller, and the loan will be paid by the bank after the transfer. This is all done by the bank. You don't even trust the bank? After the transfer, in a short time, he can't sell the house, the mortgaged house can't be traded, and he can't trade until the loan is paid off. You should eat and drink. It's okay. # Fund supervision: mainly to protect the interests of buyers. In the vernacular, I am afraid that the owner will run away with the money. The second is that the Construction Committee will check whether it is consistent with the actual transaction amount of the house to prevent tax evasion! If you don't supervise the funds, the biggest risk of buying a house is that the owner will donate and run away, and the owner can get the final payment smoothly (because it is frozen in the card, the bank will unfreeze when it sees the household registration book or deed tax ticket). Generally speaking, it is for the benefit of both sides. The supervision of funds is also simple. Go to the bank to open two accounts, one for the owner and one for the customer, and then deposit the money supervised by the fund into the card before the transfer. As long as preparations are made in advance and the relevant parties are in place on the day of transfer (working day), one day is ok. Seller: ID card, household registration book, marriage certificate, real estate license, land certificate, house sales contract. Note: The seller and his wife must sign in person at the local real estate registration department. Buyer: ID card, household registration book, signed by the parties in person at the local property rights registration department. The transfer fee is as follows: (1) deed tax; Pay1%for the first purchase of a house below 90 square meters; 90- 140m2 shall be paid at 0.5% of the house price of 65438+; /kloc-more than 0/40 square meters, 3% of the house price shall be paid. (2) Business tax: the property right of the house shall be exempted for five years, and 5.5% of the house price shall be paid for less than five years. (3) Land value-added tax; The property right of the house is exempted for five years, and the house price is paid at 1% for less than five years. (4) Income tax: the property right of the house is exempted for five years, and if it is less than five years, it shall be paid at 1% of the house price or 20% of the difference between the original value and the present value of the house. (The original value of the house is generally calculated according to the last deed tax) (5) Housing transaction fee; Pay (6) property registration fee according to the construction area of 6 yuan/m2: 80.00 yuan. (7) Housing appraisal fee; Pay 0.5% of the assessed amount. # The supervision of second-hand housing transaction funds refers to the behavior that both parties to the second-hand housing transaction deliver the housing transaction funds to the designated bank for supervision in order to ensure the security of the housing transaction funds, and after the two parties complete the registration of the transfer of housing ownership, the supervision bank pays the housing transaction funds to the seller according to the agreement. In second-hand housing transactions, buyers and sellers can apply for fund supervision. Through the simple procedure of "saving money-sending documents-obtaining certificates-withdrawing money", this payment method ensures the ownership and capital security of second-hand houses without adding other procedures, and truly achieves "clearing the money certificate" to prevent risks, which is time-saving, labor-saving, safe and reassuring for both parties. # 1. For the supervision of second-hand housing transaction funds, both buyers and sellers should choose the same custodian bank and open personal accounts in the selected custodian bank. In order to enhance the security of real estate transaction funds, the deposit and transfer of funds in the supervision business of second-hand housing transaction funds in our city are carried out by bank transfer. The buyer and the seller should choose the same custodian bank in advance and submit their personal accounts to the bank, so that whether the buyer deposits the house payment into the "special account" or the custodian institution transfers the house payment from the "special account" to the seller's account after the property right transfer is completed, the transaction funds can be guaranteed to arrive immediately. It avoids the unnecessary troubles caused by the long transfer time of transaction funds to both parties, and improves the timeliness and convenience of fund supervision business. Therefore, please understand our customers. Two. The name of the account submitted to the fund custodian institution of the Housing Authority is the account of the buyer and seller of real estate. In the actual process of handling business, the staff once encountered the situation that the seller's account was not their own account. At present, there are bank cards in personal accounts besides passbooks, and some customers have no signatures on the back of their bank cards, so it is impossible to know who the owner is. When the account was finally transferred out, the custodian bank found that the customer's name signed with the custody agreement was not the same person, so it was impossible to handle the transfer procedures, which not only caused inconvenience to the custodian institution and the custodian bank, but also directly affected the customer himself. Therefore, when handling the supervision of second-hand housing transaction funds, please be sure to submit the accounts of all parties to the transaction. III. Both parties to the transaction can use the original account of the corresponding custodian bank, but the account must be a local account. Some customers already have accounts in the corresponding custody bank in advance, and there is no need to open new accounts when handling the custody business of second-hand housing transaction funds. However, the accounts submitted by both parties must be local accounts, and many non-bank staff sometimes can't tell whether they are local accounts from the accounts themselves, only at the final transfer stage and at the time of bank transfer. The "special account" of the custodian institution cannot be transferred from other places, resulting in the inability to transfer funds. Therefore, in order to ensure the timely arrival of the seller's funds, both parties, especially the seller's customers, are reminded to submit local accounts when signing the fund custody agreement. Four, to pay for the goods by loan, in accordance with the relevant requirements of the supervision of funds, the lending bank shall issue loans in advance, and deposit the loans into the designated special account for transaction settlement funds. In order to protect the interests of buyers and sellers to the greatest extent, the supervision of second-hand housing transaction funds in our city is fully allocated. Except for a small deposit, the buyer shall deposit all the house payment into the custodian's "special account" before handling the property transfer formalities. For those who need bank loans, banks are required to lend money in advance. In order to ensure the safety of loans, banks can require guarantee institutions with guarantee qualifications to guarantee, which will generate certain guarantee fees. After providing guarantee for customers, the guarantee institution will assist customers to handle the formalities of property right transfer and real estate mortgage registration, so as to provide customers with more meticulous and thoughtful services. Five, both parties to the transaction, especially the seller, should keep the passbook, don't give it to others, don't reveal the password. When handling the second-hand housing transaction fund custody business, the buyer and the seller will sign the Jinan Stock House Fund Custody Agreement with the fund custodian, and agree on the buyer's deposit account and the seller's collection account in advance. However, in the process of real estate transaction, because some people lack experience in buying and selling houses, they will entrust intermediaries to act as agents throughout the process. At this time, some intermediaries will take the opportunity to open a passbook with the original seller's ID card and provide it to the fund custodian when signing the agreement. After the house payment arrives, they will not only inform the seller himself, but in fact, there is no business relationship between the fund custodian and the intermediary company, and the fund custody agreement signed by the buyer and the seller with the fund custodian has nothing to do with the intermediary. The fund custodian will only transfer the house payment to the seller's account agreed in Jinan Stock House Fund Custody Agreement when the transaction is completed. The staff of the housing management department reminded both parties to the transaction that in order to safeguard the interests of both buyers and sellers, when going to the housing management bureau to handle the fund custody business of the stock house transaction, please go through the relevant formalities in person with valid documents according to the relevant requirements, and do not give important documents such as ID cards, bank cards and passbooks to others for safekeeping at will, and do not disclose the passwords, so as not to cause unnecessary losses. # Generally, it is necessary to handle the fund supervision first and then the transfer formalities, and the fund supervision can be completed on the same day. The supervision of second-hand housing transaction funds refers to the behavior of both parties to the second-hand housing transaction to deliver the housing transaction funds to the designated bank for supervision in order to ensure the security of the housing transaction funds, and after the two parties complete the registration of the transfer of housing ownership, the supervision bank will pay the housing transaction funds to the seller as agreed. In second-hand housing transactions, buyers and sellers can apply for fund supervision. Through the simple procedure of "saving money-sending documents-obtaining certificates-withdrawing money", this payment method ensures the ownership and capital security of second-hand houses without adding other procedures, and truly achieves "clearing the money certificate" to prevent risks, which is time-saving, labor-saving, safe and reassuring for both parties. # The buyer can transfer the house payment, i.e. supervision funds, to the designated supervision account through any bank, and the account is "real estate trading center". After the transfer formalities are completed, the seller only needs to provide an account to the city real estate trading center, and the supervision funds will be transferred on the second working day after the transfer, usually within one week. The seller can also receive the transfer check directly. # Where there are differences in different regions, where the Housing Authority requires fund supervision, it is necessary to conduct fund supervision; For example, there is no special requirement in Chongqing, and buyers and sellers can ask for supervision or not. If not, the buyer and the seller will bear the consequences themselves. Second-hand housing transaction funds supervision process: 1. First of all, the buyers and sellers of second-hand houses sign a house sales contract and a transaction fund supervision agreement with the intermediary. 2. Then, the buyer goes to the bank to open a special account for the supervision of trading funds and deposit the purchase money, and the bank freezes the funds; 3. Finally, after the buyers and sellers have gone through the formalities of property right transfer, the buyers and sellers and the intermediary * * * send the house transfer confirmation instruction to the bank, and the bank will transfer the frozen funds to the seller's account. If the transaction fails, the funds will be returned to the buyer through the bank. 4. The "fund supervision" measures intervened by banks introduced bank credit into second-hand housing transactions, which not only eliminated the distrust between buyers and sellers and intermediaries, but also promoted the recovery of second-hand housing transactions, and also helped law-abiding intermediaries to facilitate transactions, which was a win-win situation. # Fund supervision is a mandatory requirement of the Housing Authority. This will protect both of you, especially the buyers, so don't go through the back door or the ramp. In the end, you will still hurt yourself. If there is no financial supervision, the old owners can't get the money, which is not very passive for you. # The transfer time of second-hand houses is usually around 7 working days, and most of them will not exceed 10 working days. I know that the transfer time of all second-hand houses does not exceed 15 working days. There is no need for fund supervision, as long as the information you fill in is correct. Check the information carefully when signing a bank. After signing, there is no need for supervision, because the follow-up is in accordance with the loan process, and there will be no problem. However, you should pay attention to the timeliness of handling procedures. If others don't do it for a long time, they will delay (usually through an intermediary). Of course, the above is a loan, and the full amount will not exist. It is more convenient to leave immediately after the transfer. # Both sides agree. Both parties can choose the bank and whether to use funds for supervision. # Did you give the seller the last payment? If there is a certificate of fund custody (the amount is the contract price), it will be temporarily frozen until the transaction is completed, and the seller can unfreeze the house payment with the assistance of the buyer. The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!