Consult the specific operation process of second-hand housing sale in Kunshan, Jiangsu:

1. Step 1: Check the information of buying a house and visit the house on the spot

The buyer and the seller establish information communication channels, visit the house on the spot, negotiate the price to determine the intention of buying a house, and ask the seller to provide legal documents, including house ownership certificate, identity certificate, household registration book and other documents.

2. Step 2: Sign the second-hand house sales contract

The seller provides the legal certificate of the house, and the buyer can pay the house purchase deposit (paying the house purchase deposit is not a necessary procedure for the sale of commercial housing), and the buyer and the seller sign the house sales contract (or house sales contract).

after the buyer and the seller reach an agreement on the location of the house, the property right status, the transaction price, the delivery time of the house, the delivery of the house and the handling of the property right through consultation, the two parties sign at least three copies of the house sales contract.

3. Step 3: Both parties * * * go to the loan bank to go through the loan formalities

If the buyer needs a loan to buy a house, after the buyer and the seller reach an agreement, the loan bank will designate an appraisal company to evaluate the house to be traded by both parties and confirm the loan amount. After the two parties sign the house sales contract, the buyer and the seller need to go through the loan formalities at the loan bank together.

After the bank approves the credit of the loan applicant,

4. Step 4: Both parties * * * go to the property rights exchange center to handle the transfer formalities

After signing the contract, both the buyer and the seller * * * go to the real estate exchange center to apply for examination. Relevant departments will grant transfer procedures for houses that meet the listing requirements, and refuse to apply for cases where there is no property right or some property rights without the written consent of other property rights, and prohibit listing transactions.

5. Step 5: Pay related taxes and fees

The composition of taxes and fees is rather complicated, depending on the nature of the transaction house. For example, the tax composition of housing reform, rebuilding and relocation, affordable housing and other commercial housing is different.

6. Step 6: Both parties * * * go through the formalities of property right transfer and transfer at the property right trading center.

After both parties have completed the registration of property right change in the real estate transaction management department, the transaction materials will be transferred to the issuing department, and the buyer will apply for a new property right certificate at the issuing department with the notice of obtaining the property ownership certificate.

7. Step 7: Make the balance of the bank loan to complete the transaction

For the buyer of the loan, after signing the house sales contract with the seller, both the buyer and the seller will go to the loan bank to go through the loan formalities, and the bank will review the buyer's credit standing, evaluate the houses that both parties want to trade, so as to determine the buyer's loan amount, and then approve the buyer's loan. After both parties complete the property right registration change and the buyer obtains the house ownership certificate, the bank will issue the loan in one lump sum.

after the buyer obtains the house ownership certificate and pays off all the house payment, the seller delivers the house and settles all the property fees, all the second-hand house sales contracts of both parties are fulfilled.

Extended information:

Taxes to be paid for buying a second-hand house:

1. Deed tax (paid by the buyer)

According to state regulations, deed tax must be paid to the state for the sale of houses, regardless of the sale of commercial houses or stock houses. According to the standard of residential housing, the deed tax is paid at 1%-3% of the total house price. The specific proportion needs to be determined according to the relevant national policies, the purchase time, purchase unit price, purchase area, whether to buy a house for the first time and other factors. Non-residential houses are paid at 3% of the taxable reference price.

the notice of preferential deed tax policy implemented since October 1, 21 stipulates that if an individual purchases an ordinary house, and the house belongs to the only house of a family (including the purchaser, spouse and minor children, the same below), the deed tax will be levied by half. If an individual purchases an ordinary house of 9 square meters or less, and the house belongs to the only family house, the deed tax shall be levied at a reduced rate of 1%.

under normal circumstances, the tax rate is 1% for a house below 9 square meters, 1.5% for 9-144 square meters, and 3% for more than 144 square meters; The second purchase is 3%, regardless of area.

2. Business tax (paid by the buyer)

This business tax consists of urban maintenance and construction tax, education surcharge, local education surcharge and sales business tax, and the tax rate is 5.6%.

individuals who purchase ordinary houses for more than 2 years (including 2 years) for external sales are exempt from business tax.

3. Individual tax (paid by the buyer)

Approved collection method: individual income tax payable = taxable value× 1% (or 1.5% or 3%). The approved collection rate standard of individual income tax on individual housing transfer in our city is: ordinary housing 1%, non-ordinary housing or non-residential real estate 1.5% and auction real estate 3%.

personal income tax shall be exempted for individuals who have been transferred for their own use for more than 2 years and are the only residence in the family.

4. Stamp duty (.5% for the buyer and .5% for the seller)

Stamp duty is a kind of tax collected for contracts or documents with contractual nature, documents of property rights transfer, business account books, rights, licenses and other documents determined by the Ministry of Finance to be taxed.

for buyers, the tax rate of stamp duty is .5%, that is, the tax payable by buyers is taxable value ×.5%, and the stamp duty is paid by taxpayers themselves.

individuals selling or buying houses are temporarily exempted from stamp duty.

the second-level transfer registration only charges the buyer .5% stamp duty.

5. Land value-added tax:

The "approved collection method" for personal transfer of non-residential real estate shall be collected by the registration center, and all others shall be paid by the taxpayer at the local competent tax authority or verified by the registration center.

land value-added tax is temporarily exempted for individual housing sales

approved collection method: land value-added tax payable = taxable value × approved collection rate. The approved collection standard of land value-added tax in our city is 1% for shops, offices and hotels, and 5% for other non-residential properties.

6. Registration fee

The charging standard is divided into housing and non-housing. Individual housing registration fees for each 8 yuan; Non-housing housing registration fees for each 55 yuan. The housing registration fee standard includes the fee for the Property Ownership Certificate and the fee for the Land Use Right Certificate.

7. Real estate transaction fee

The real estate transaction fee for the newly-built commercial house is charged according to 3 yuan/m2 and shall be borne by the transferor.

the real estate transaction fee for affordable housing will be charged by half, which shall be borne by the buyer.

in other cases, the handling fee for real estate transactions is charged at 6 yuan/m2, and each party shall bear 5%.

8. Commission

The transaction price is *3%, and both parties pay half.

9. Decals: 5 yuan/suite

If mortgage is needed when buying a house, the following expenses will also occur:

1. Appraisal fee

.5% of the appraisal result will be charged for the part with the appraisal price below 1 million, and .25% for the above part.

11. Mortgage registration fee

The registration fee for individual housing is 8 yuan per piece; The registration fee for non-housing houses is

12 per piece of 55 yuan. Entrusted notarization fee

If the house needs to be notarized, a certain percentage of notarization fee will be paid. The standard of notarization fee is generally 3 yuan/two notarial certificates, and 2 yuan will be charged for each additional one.

what taxes should I pay for buying a house?

If the building needs to be foreclosed, the following expenses will be incurred:

13. Mortgage guarantee fee

Cost calculation-the owner owes money ×1%. The term is 3 months, and the minimum charge is 2 yuan.

14. Penalty interest for foreclosure

Different banks charge it in different ways, generally .5% of the amount owed

15. Interest on short-term loan for foreclosure

Generally, interest on short-term loan for one month × amount owed ×1

If the buyer and seller are involved in foreign affairs, there will be the following expenses:

16. Notarization fee for the sales contract

. Collection standard:

transfer price ×.3% (transfer price < 5,)