1. The area has been planned for demolition, and the household registration has been frozen, so it can only be moved out but not moved in;
2. The housing area is not up to the local household registration standard; For example, foreign household registration in Chongqing requires a per capita area of more than 30 square meters. Houses under 30 square meters cannot be settled, and houses of 60 square meters can only be moved to two people.
3. The original household registration has not moved out; Many areas require one room and one household. When the original landlord sold the house, the new owner's account could not be settled.
The basic process of second-hand housing transfer: signing sales contracts, delivering documents, paying taxes, paying taxes and obtaining certificates. Different regions sometimes have different procedures, for example, it is possible to pay taxes first and then send documents.
Signing a sales contract refers to the signing of a contract between the buyer and the seller together with the intermediary (if any) on the real estate price, delivery method and payment method.
Submission means that the buyer and the seller bring relevant materials to the Housing Authority to apply for registration of property right transfer. The buyer brings the original ID card. If the loan needs a certificate of the first suite, it should be issued by the relevant department in accordance with the requirements of the Housing Authority. The seller needs to bring the original ID card, real estate license, real estate tax invoice, etc. After the Housing Authority version arrives at the Housing Authority, it can sign a sales contract with the Housing Authority. (many big cities have implemented online signing, that is, first apply for the pre-acceptance number and fill in the form online, and then submit the documents, so that there is no need to queue up at the Housing Authority. )
Paying taxes means that the Housing Authority pays all kinds of taxes and fees to the relevant tax authorities within the specified time. Both the buyer and the seller bring their original ID cards and pay taxes separately.
Duty-paid transfer refers to: after the buyer and the seller pay taxes respectively, both parties bring their ID cards and all the invoice documents of their respective taxes to the Housing Authority to check and confirm that the taxes have been paid, and then complete the transfer and receive the transfer receipt.
Obtaining a certificate means that the buyer takes the ID card and the transfer receipt to the Housing Authority to get a new real estate license at the time specified in the transfer receipt.
It should be pointed out that:
1. Let the owner show you the original ID card and real estate license. You keep a copy.
2. Let the intermediary take you to the Housing Authority to check, including the basic information of the real estate, mortgage and seizure, and check with the copy of the real estate license you left.
3. Get to know the current situation of the real estate on the spot and see if there are any leaks, water seepage and big cracks.
4. Ask the intermediary about the transfer fees such as property tax.
5. The owner is required to pay 50% of the house price only after the data transfer is completed, and then pay the full amount after receiving the acceptance receipt and confirming that the real estate license can be obtained three days later.
6. The intermediary is required to pay 50% of the agency fee only after the data transfer is completed, and only after the building is handed over. If the landlord still has unpaid utilities, he will deduct thousands of intermediary fees until all the fees are paid.
7. For the real estate contract signed by the two parties (even the intermediary three parties), all the things you want to be clear are indicated in the additional terms, such as: How many days do you need to move out of your account after the owner transfers the ownership?
As long as the landlord and his spouse bring the original ID card, the original real estate license and himself to the site, they can go through the transfer formalities smoothly. You don't have to go through any more formalities. These intermediaries will coordinate with you.
The transfer tax of the second-hand house is about 8% of the declared price (the seller: personal income tax 1% (the real estate license is exempted for more than 5 years), the business tax is 5.5% (the real estate license is exempted for more than 5 years), the buyer: deed tax 1.5%, and other transfer taxes are about several hundred. All the above tax points are calculated according to the ordinary residence below 144 square meters.
The tax return price is determined by yourself. The computer system of the Housing Authority has the lowest evaluation price in each region. If the declared tax price is higher than the assessed price, the tax will be calculated according to your price. If it is lower, it will be calculated according to the evaluation price of the system. The local real estate agents in the same region are the most familiar with the evaluation price. Because they often go to transfer ownership and know how much the lowest price can pass, I suggest you go to the intermediary to find out.
Note that the above does not include bank loan fees, real estate agency fees, new house occupancy fees and maintenance funds.
After owning the real estate license, the owner can go through the formalities of moving into the household registration with his ID card at the Household Administration Department of the local public security bureau. Of course, the household registration must conform to the local household registration policy.
"Lu Jinbao" service is a value-added service provided by Ping An Dahua Fund Management Co., Ltd. to investors through Ping An Dahua Ririli Monetary Fund (fund code 000379).