Tip: within the range of 90-140m2, the deed tax will be halved (total price1.5%); The only ordinary housing for families of 90 square meters and above, the tax rate is 1%.
2. Special maintenance fund: the elevator is installed in the house, and the special maintenance fund = unit area ×27.5 yuan/square meter; For residential buildings without elevators, special maintenance fund = unit (square meter) ×22 yuan/square meter.
3. Stamp duty: (1) The deed tax is 0.05% of the total house price (stamp duty is not levied on second-hand house transactions); (2) Stamp duty on certificates (decals) 5 yuan/person.
4. Property registration fee: the standard of residential housing payment is 80 yuan/household (50 yuan/household in some areas, plus 10 yuan).
5. Transaction cost: residential 6 yuan/m2, non-residential 0.35%.
6. Down payment: for general housing, the down payment is calculated according to the quantity purchased by the buyer. 20% down payment for the first house and 30% for the second house.
7. Loan-related expenses: (1) Agent: 900 yuan (not accepted);
(2) Mortgage expenditure
According to the law, housing provident fund loans include assessment fees, guarantee fees, life insurance, life insurance, other commercial credits and other additional fees.
Evaluation fee: if it is less than 1 million yuan, it will be levied at 0.5% of the evaluation value, which is 0.25% higher than the standard;
Mortgage service: house property insurance = mortgage amount × loan term × 0.08%;
Personal insurance = loan amount × (main insurance rate+unemployment additional rate);
Life insurance: once every five years;
Surcharges for commercial loans: lawyer's fees, loan fees, insurance fees, stamp duty and bank account opening fees.
8. Related expenses for key delivery: (1) Property management: generally, one year or one year's rent is charged;
(2) Maintenance fee for public facilities: 2% of the house price;
(3) heating fee: different fees are charged according to different regions;
(4) Cable TV access, charging annual fees according to different regions;
(5) Mortgage fee for house maintenance (maintenance fund: 700-2000).
Second-hand housing sales transfer procedures 1. Property right transaction: the buyer should check the integrity, authenticity and reliability of the property right, and be optimistic about whether the owner's name on the property right certificate matches the seller's name, whether there is a mortgage or someone, etc. Before the transfer;
2. The buyer and the seller sign a sales agreement:
Whether it is a gift or a sale, property rights must be transferred, and both parties to the transfer must sign a written transfer agreement, that is, "secondary sale."
In the second-hand housing transaction contract, the names and addresses of both parties, the certificate and number of real estate ownership, the location, area, boundary, land area, land ownership, the way and time limit for obtaining the right to use, the use, nature of use, transaction price and payment method, delivery time of real estate, liability for breach of contract and other matters agreed by both parties;
3. Real estate appraisal: General real estate appraisal needs to invite appraisal agencies. This process takes about 5-7 days;
4. Handling loans: If the purchaser handles provident fund loans and commercial loans, he must handle both provident fund loans and bank loans; If you just apply for a mortgage loan, you just need to go to the bank to apply for a loan. This is the most time-consuming step in the sale of second-hand houses. After handling the loan, we should pay attention to the cancellation of the certificate of other rights of real estate;
5. Submit the application for the transfer of house property rights to the real estate authorities: the house property right certificate, the legal certificate of the parties, the transfer contract and other related materials, submit them to the real estate authorities, declare the transaction price, and receive the acceptance form;
6. Review of real estate management agencies: the real estate authorities will review the relevant materials and give a written reply within 15 days to determine whether to accept them; Accept the transaction price declared by the audit, and conduct on-the-spot investigation and evaluation of the transferred house as required;
7. Pay taxes and fees for second-hand housing transactions, such as deed tax;
8. The real estate registration agency shall issue a new real estate registration certificate. The ownership certificate held by both parties shall be handled by the real estate administrative department.
The above are the main contents of the second-hand housing sales expenses and the second transfer procedures. I believe everyone knows something about these contents, and I hope this article can bring you some help.