Shenzhen second hand housing digital currency transaction
1. 2. Notarization fee of the owner (notarization by the seller)
4. Evaluation fee (buyer) > 5. Ransom fee (coordinated by the buyer and the seller, generally paid by the buyer)
7. Printing contract fee, paying relevant taxes (buyer)
8. Mortgage registration fee
2 Unmarried certificate (if you are married, you need to show the of marriage certificate and spouse's Province certificate, but it is generally easier to go through the relevant proceres according to unmarried), capital flow of common account for half a year
the seller needs ID card, household register, unmarried certificate, repayment list for half a year, original mortgage contract and original loan contract, Only before the transfer of ownership to sign a formal contract to
four can do, only need to sign mortgage information and guarantee information, and then before the transfer of ownership to sign a formal contract to
four
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the official website of the housing authority
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the transaction records of stock houses in the housing authority are generally invisible and accurate to outsiders
However, there is the possibility of moisture< br />
1,
deed tax: generally 1% of the house price
(1% for those with an area of less than 90 square meters and the first suite, 1.5% for those with an area of more than 90 square meters and less than 144 square meters, and 4% for those with an area of more than 144 square meters).
2,
Business Tax: 5.6% for those with a property certificate less than 5 years, The certificate of proction can be exempted from business tax after five years<
3,
personal income tax, 1% (property certificate for 5 years and the only housing can be exempted)
4. Transaction fee: 3 yuan / square meter (but generally the buyer needs to pay the transaction fee of both parties, that is, 6 yuan / square meter)
5,
surveying and mapping fee: according to the specific provisions of each district
6,
ownership registration fee and evidence collection fee: generally within 200 yuan
the tax base of the second-hand house is the appraisal price of the house, and the first suite is based on whether the seller has the first suite.
The transaction process of second-hand housing in Shenzhen is as follows:
1
2
3. The buyer and the seller reach an initial intention and the buyer pay the deposit
4. Negotiation and contract signing, the buyer pays the down payment to the seller
5
6. The buyer paid the remaining house price
7. Turn key
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extended information:
Shenzhen releases the second-hand housing transaction reference price, and Shenzhen's real estate market has entered the era of comprehensive price limit The policy interpretation of the circular and the Circular of Shenzhen real estate and Urban Construction Development Research Center on Issuing the transaction reference price of second-hand housing in Shenzhen residential quarters (hereinafter referred to as the circular)
issued the reference price of all second-hand housing transactions in Shenzhen,
, the notice said that the Shenzhen real estate and Urban Construction Development Research Center, based on the investigation and analysis, formed the reference price of second-hand housing transactions in the residential area of the city, and issued regularly on the Shenzhen city housing and Construction Bureau official website, WeChat official account and Shenzhen real estate information platform. p>
the policy interpretation of the notice further explains the significance of publishing the transaction reference price of second-hand housing in Shenzhen: publishing the transaction reference price of second-hand housing is concive to increasing the disclosure of second-hand housing transaction information, guiding the market to trade rationally, guiding the real estate brokerage agencies to publish the listing price reasonably, and guiding commercial banks to issue second-hand housing loans reasonably, Prevent and control indivial housing credit risk, stabilize market expectations
At the same time, the Shenzhen Municipal Bureau of housing and urban rural development also released the transaction reference prices of 3595 second-hand housing in the whole city, which also indicates that Shenzhen's second-hand housing market may enter a new era from the date of the noticeShenzhen second-hand housing transaction tax:
1. Deed tax for the first or second set of housing, the housing area is less than or equal to 90 square meters, and the deed tax is 1%. The area of the first house is more than 90 square meters, and the deed tax is 1.5%. The area of the second house is more than 90 square meters, and the deed tax is 2%. Beijing, Shanghai, Guangzhou and Shenzhen: the contract tax policy of the first house is the same as above; Second suite and non ordinary residential, deed tax is 3%. Note that in most cases, the deed tax of second-hand housing is calculated according to the appraisal price of the housing, not the transaction price of the housing
Value added tax and additional tax should be paid when purchasing second-hand housing. The tax rate of value-added tax and its surtax is 5.6%, and it can be exempted from value-added tax at the end of two years, which means that the real estate certificate or deed tax payment certificate is calculated from the time of issuing the certificate to the time when the house is sold for two years or more. Calculation formula of value added tax and its additional tax: tax value of house ÷ 1＋5％ × 5.6%3. Intermediary fee in the process of second-hand housing transaction, the intermediary provides services for the buyer, so it needs to charge a certain service fee. Generally 1% - 3% of the transaction price of the house. Note that intermediary fees can be negotiated. The specific amount of bargaining depends on the communication and negotiation between indivials and intermediaries
Loan guarantee fee mortgage guarantee fee refers to the fee that the bank needs the borrower to provide professional guarantee company in order to avoid the risk of mortgage. There is no charging standard for the time being. Hundreds and thousands of them are opened by intermediaries Personal income tax is generally 1% of the house price or 20% of the difference between the two transactions. The only house in five years is exempt from personal income tax. That is to say, if the house is the only house of the seller and the real estate certificate has been issued for five years, the indivial income tax can be exempted The transaction fee is charged according to the area of the house, which is generally 4-6 yuan / m27
8. The stamp ty of other warrants is 5 yuan / account; Certificate registration fee: 80 yuan / set for residential and 550 yuan / set for non residential
extended information:
Shenzhen second-hand house sales process
1. First of all, we need to see the house, the buyer and the seller initially negotiate the price, the payment method, the original house property certificate or the original price of the mortgage contract to the land department of the archives building
When signing a contract, the buyer and the seller negotiate the house price, deposit, down payment, fund supervision, loan application time, ransom fee, transfer application time, tax payment method, delivery date, tenant situation, commission payment time and proportion, and liability for breach of contract. After determining these key points, the buyer and the seller sign a tripartite contract with the intermediary or the buyer and the seller sign a contractto write the above contents into the contract, signing the contract is the key point, and many disputes arise because the contract is not perfect, so that the other party can take advantage of it
3. Fund supervision and loan application: the buyer pays the down payment of the deposit into the bank fund supervision account, the buyer and the seller sign a fund supervision agreement with the bank, the buyer applies for the loan from the bank, and the bank issues a letter of commitment to the seller after agreeing to the loan. The seller handles the notarization power of attorney for entrusting the guarantee company to redeem the building, applies to the original loan bank for redeeming the building, and the guarantor handles the proceres for redeeming the building, guaranteeing redeeming the building and canceling the mortgage registration.
4. The buyer and the seller of house transfer go to the land and Resources Bureau to sign, submit the application for house transfer, and the guarantee company gets the receipt. After paying taxes and receiving the tax receipt with the receipt, the buyer pays the relevant taxes and fees, the guarantee company takes out the new house property certificate and makes mortgage registration with the mortgage bank in the land and Resources Bureau, and the bank gives the down payment to the seller
After the mortgage registration of the new house property certificate, the bank will give the seller the loan after decting the house redemption loan. The buyer and the seller handle the house handover, water, electricity and other transferat present, when the transaction price is announced, there will be some confusion in the market, but this situation is temporary. It can also be said that the current market is also trying to adapt to such a transaction reference price
we all know that house prices have gone up very high in recent years, especially in some first tier areas, such as Shenzhen, where the average house price has reached 100000 yuan per square meter, and in some places, it is more than 20 thousand square meters. Such a house price can be said to be a sky high price, because the salary of ordinary office workers is only 100000 yuan per year, It can be said that many people can't buy a half square meter house after working hard for a year. It's one of the reasons that the house prices in many places have begun to have certain control measures. For example, Shenzhen has introced the so-called second-hand house transaction reference price
what is the transaction reference price of second-hand housing in Shenzhen
this also talks about a price control measure of second-hand housing in Shenzhen. In this measure, we can see that all transactions of second-hand housing in Shenzhen need to be carried out according to the specified reference price. After such a measure comes out, many people are particularly surprised, because they have never seen such a favorable control. When this regulation comes out, many people will not be able to adapt to it, because it is difficult to adjust their buying strategies and loans in a short period of time. Therefore, from the current situation, the overall property market is still in chaos, but I feel that such chaos is only a temporary situation{ RRRRR}
and 1%, which shall be paid by the buyer. Meanwhile, it is stipulated that the buyer shall pay 1% of the total transaction amount if he first purchases an ordinary residence with an area less than 90 square meters
if the buyer purchases an ordinary residence with an area of more than 90 square meters (including 90 square meters) for the first time, he will pay 1.5% of the total transaction amount
if the property purchased by the buyer is non ordinary residential or non residential, the buyer shall pay 3% of the total transaction amount.
transfer fees, all the sub buyers and sellers of real estate transactions are different across the country. The buyer should pay: deed tax 1.5%, stamp tax 0.05%, registration fee 100 yuan, contract stamp tax 5 yuan, transaction fee 3 yuan per square meter. The seller is you should pay (no matter who actually pays): Stamp Tax 0.05%, transaction fee 3 yuan per square meter, 5.55% of business tax should be paid.
personal income tax (transaction price of real estate - original value of house - tax paid) * 20% (with tax invoice at that time) or 1% (without invoice).
Second, if the other party makes mortgage. In this case, you can apply for a sub mortgage from your bank General banks will agree, unless you are in some small banks. However, at the end of the year, everyone may not be free, so it should be a bit more difficult.) So you don't have to pay back the bank loan. As long as the balance of house purchase is taken back from the other party before the transfer, the down payment is taken back from the bank after the transfer. Of course, the same good, to pay the above transfer fees