First, look at the house, usually through a real estate agent to look at the house or see for yourself;
The second is to sign a deposit agreement and an intermediary agreement, and pay the deposit after signing the agreement;
The third is to sign a sales contract, that is, a real estate sales contract, and at the same time record the contract online;
The fourth is to pay the down payment. If there is a loan at home, the family will generally repay the loan in advance with a down payment;
The fifth is to go through the formalities of the next loan, and the next loan must apply for a loan from the bank with the sales contract and other materials;
The sixth is to handle the transfer transaction procedures. After the transfer formalities are completed, the trading center will issue a receipt;
Seventh, get the real estate license, and the receipt will come out for 20 days, and the next home will get the real estate license;
Eighth, the lending bank issues loans to the last home, and the time for lending may be before or after the issuance of the property right certificate, depending on how the next home and the bank agree;
Nine is to hand over the house and pay the final payment.
The process and expenses in the transaction: the buyer holds the ID card, and the seller holds two house certificates and other related documents to go to the real estate exchange for specific handling. Requirements: Copies of ID cards of both parties (cannot expire); The seller's real estate license. Procedures: Go to the notary office for notarization with a valid ID card. Handling fee: the first part of the fee: notarization handling fee; Part I Fees: The latest taxes and fees for second-hand housing transactions in 2009 are as follows:
(1) The seller's business tax is 5.5% (the real estate license is exempted for five years), the personal income tax is 1% (the real estate license is exempted for five years and it is the only house), the stamp duty is 0.05% (the land transaction service fee is exempted for less than 90 square meters), and the 3 yuan is1.5% per square meter (2) the buyer's deed tax is 65438+99. 1%under 90 square meters,) land transaction service fee 0.05% stamp duty per square meter in 3 yuan (less than 90 square meters can be exempted) registration fee per person in 50 yuan.
Eight points that should be paid attention to during handover:
1. Settle the water meter bill. At present, the city water supply company implements the household name residential address system, and most properties do not need to go through the formalities of water meter transfer. However, according to the agreement in the sales contract when handing over the house, both parties need to read the meter, and the owner will settle the fees owed according to the actual meter reading. According to the regulations of the water supply company, no matter who uses it, any overdue payment will be subject to a late payment fee of two thousandths per day. After 30 days' reminder, if the household still fails to pay the water fee and late payment fee, the water supply will be stopped. It is suggested that the next family ask whether the last family has paid the water bill before handing over the house, and please bring the latest water bill with you on the day of handing over the house.
2. Inform the status of the meter According to the regulations of the power company, it is illegal to disassemble the meter box, open the seal and change the metering device without authorization, and offenders will be treated as illegal electricity use. Therefore, when handing over the house, it is recommended that the next home personally check whether there are traces of mobile modified meters. In practice, the names of meters in newly-built commercial houses are basically the names of the owners or developers. When handing over the house, in addition to checking the reading of the electricity meter, both parties must also bring their identity documents, real estate licenses and private seals. Go to the local electric power business hall to handle the transfer and renaming procedures of electric meters, and settle all the arrears of electric meters. If you need to know about the unpaid electricity bill, you can call the 95598 hotline.
3. Assist in gas conversion According to the regulations of the gas company, the upper and lower households must rely on the house sales contract, and must indicate that the house price has included the certificate of gas facility fee or gas equipment free gas conversion, as well as the ID card of the upper and lower households and the recent gas bill of the last household. Both parties personally go to the gas department to handle the transfer and renaming procedures. The renaming fee 10 yuan shall be borne by the next household. If there is no agreement or the agreement is not clear, the gas department will not handle it. If you want to inquire about the gas arrears and the address of the gas department.
4. Assist in the transfer of cable TV, and implement a one-card system for one household. If the household defaults on the payment, the cable station will handle the termination after a long time. Therefore, when handing over the house, families can be required to submit the cable TV fee receipt certificate and cable TV initial installation certificate for the last month on the day of handing over the house. The next home can go through the transfer formalities at the cable TV station in the street where the house is located with the above two materials and the new property right certificate. If you want to inquire about the arrears, just dial 1 14 to inquire about the street office where the house is located.
5. Settle the telephone and broadband charges. If the next home does not need to extend the phone number of the last home, the last home can go to the telecom company to cancel or re-register, and then the next home can apply for installing the phone by itself. If the next home needs to continue the phone number of the last home, the next home will go through the transfer formalities in the telecommunications department and settle the phone bill on the day of delivery. As for the broadband charges, the delivery date shall prevail and be settled monthly. If you have any questions, please call 10000.
6. Settlement of maintenance funds According to the regulations of the real estate management department, when the house is transferred, the balance in the maintenance fund account will not be returned, so the last one can be settled or given to the next one with the green copy of the Delivery Form for Settlement of Commercial Residential Maintenance Funds. At the same time, the owner of the maintenance fund was renamed Xiajia.
7. The property is renamed and the property management fee is settled. It is recommended that you go to the property management office where the house is located to settle the property management fee on the day of delivery. At the same time, go through the formalities of property entry at home.
8. One of the most controversial factors is that the last family's account did not move out in time when the house was handed over. Therefore, the next family can go to the police station where the house is located the day before the delivery of the house to check whether the account of the last family has moved out. If the previous household can only be moved out after the house is handed over, the next household must clearly agree with the previous household on this issue and make a written confirmation.