What is the transaction process of buying a second-hand house in full?

First, the second-hand housing full purchase transaction process

There are eight steps in buying a second-hand house: preparing to buy a house, choosing a house to see the house, checking the qualification of buying and selling, signing a contract, signing online, paying taxes, transferring ownership, obtaining the real estate license and handing over the house.

First of all, to prepare for buying a house, we should make a good capital plan and make clear our own purchase area. To buy a second-hand house, in addition to the down payment, we should also consider taxes, property management fees, agency fees and so on. Therefore, it is necessary to timely count the available funds of families, including deposits, wealth management and other available funds.

You can choose a house through an intermediary store or online. When looking at the house, you can learn more about the location, facilities, community, apartment type and even details of the house. Don't trust the online quotation. Some real estate websites attract customers with low-priced fake houses. Before buying, you can ask for an inquiry from a professional intermediary company nearby.

To review the trading qualification, it is necessary to prepare relevant materials for review by the Housing Construction Committee. The results of qualification examination will generally be in 10- 15 working days. After approval, the validity period is 30 natural days. It should be noted that the information provided must be true and valid, the actual marital status must be consistent with the marital status in the household registration book, and valid certificates such as marriage certificate, divorce certificate or divorce agreement should be provided.

When signing a contract, it is necessary to check whether important matters are written into the contract. For example, the amount of down payment, down payment, final payment, tax undertaker, payment time and conditions of down payment, etc. Generally speaking, when signing a contract, a deposit will be paid, and the specific amount can also be negotiated between the buyer and the seller. It should be noted that according to relevant laws and regulations, the deposit paid shall not exceed 20% of the transaction price.

Relevant materials should also be prepared when signing online, and deed tax should be paid after signing online. These steps can be completed by intermediary companies, which can save a lot of time and energy. After that, you need to go to the real estate registration center of the Housing Construction Committee of each district to handle the transfer, and it will take about 1- 10 working days to pay taxes and get a new property certificate. The rules for handling transfer vary from region to region.

For transfer, most urban areas need to make an appointment online, and individual urban areas do not need to make an appointment, which is subject to the regulations of relevant departments in various regions. If the official number transfer is not obtained within the time limit, the reserved number transfer is invalid and a new appointment is needed. Before transfer, transfer the buyer's down payment to the fund supervision account for supervision to ensure the safety of funds. After the transfer, the house payment will go to the seller's account. Finally, after all the formalities are completed, the buyer will take over the house and handle the property delivery.

Second, the main items of the full transaction of second-hand houses are 1 and online signing.

For the sales facilitated by the intermediary, it is necessary to sign the contract through the intermediary's electronic key network. Intermediaries sell contracts and let the sellers sign online on their own, which is against the working norms. Both sellers should be vigilant. If you sell second-hand houses by yourself and yourself, Miss Shen advocates that buyers and sellers can end the online signing and print the contract on the computer at home. If you don't have a printer at home, you can go to the sales registration agency to print the contract on the spot with the online sign number.

Step 2 deliver

The seller and the seller sign the contract online and deliver the goods with the number. You can get the receipt after submitting the real estate license, ID cards of both parties and online signing of equivalent materials in the acceptance window. The receipt will establish a tax guide to guide the seller to pay taxes in the corresponding window.

Step 3 pay taxes

After paying taxes in the tax window, both sales parties will get the tax payment information. The tax information will indicate the standard address of the house online signing contract and the taxpayer's name. The tax paid by the buyer is deed tax, and the address of the house and the name of the buyer will be marked on the tax payment information, but this is by no means the name of the house. The owner's perfunctory tax is a tax, and the house address and the owner's name will be marked on the tax payment materials. After paying the tax, the seller and the seller can return to the delivery window with the tax payment materials and receipts to receive the acceptance receipt. The acceptance receipt will indicate the date of obtaining the new certificate, which is usually 7 working days.

Step 4 get a new certificate

After the Housing Authority reviews the sales, it will generally issue a new certificate within 7 working days, and the new buyer or intermediary can go to the window to collect evidence (the mortgage payment sales must be obtained by the representative of the bank or mortgage intermediary to prevent the buyer from obtaining a new real estate license only by paying the down payment).

Third, the specific process of second-hand housing transactions

1, the seller brings property materials.

2. There are two ways for the buyer to pay the house price with the down payment:

A, self-bookkeeping, direct payment to the seller for free use.

B. Bank custody: The buyer will handle the custody formalities in the account designated by the depositor's bank, and the money will be transferred to the seller's account after the bank completes the transfer of property rights and sees the relevant documents. Intermediary companies advocate that both sellers choose the second way to pay taxes and transfer ownership:

3. After going through the warehousing formalities, you can go directly to the tax office and the real estate bureau to pay taxes and transfer registration.

Procedures, tax payment and transfer can be completed in one working day with all the materials available.

4. Tips before transfer: Use bank card (UnionPay card is required) to pay taxes, but not passbook, cash or cheque; All taxes and fees can be paid by ICBC card and cash;

5. Transfer the materials to be prepared:

A. Seller: I attend with the original ID card and the original title certificate, and I need to prepare the original purchase invoice and deed tax ticket; If you can't attend, you need to apply for notarization of house sales.

B. Buyer: Participate with the original ID card (temporary residence permit is required for foreign accounts); If you can't be present, you can hand-write the power of attorney.

5. Moving: The deadline for payment is subject to delivery. Related expenses include: property fee, heating fee, telephone fee, cable TV fee, electricity fee, water fee (hot water, cold water, reclaimed water), electricity fee, etc.

6. If the seller's account is still there, prompt the seller to move out of the account and cooperate with the buyer to move into the account.

7. Original maintenance fund receipt.

8. Collection of house payment: After the transfer formalities are completed, both parties of the seller go to the bank to provide relevant evidence to release the custody of house payment, and the seller can withdraw money at will.