How long does it take to issue a new certificate for real estate transfer in Huadu?

It usually takes about 30 days.

The second-hand house transfer process mainly has the following four steps:

1. The buyer and seller have no loans: the buyer and seller agree on a contract signing date; generally within three working days after the contract is signed, When buying a house, pay the down payment to the seller; and agree on a time when the property will enter the transaction center. On the day you enter the transaction center, you must pay the seller all the house payment except the balance payment. After 20 working days, receive the new real estate certificate; use the new real estate certificate to handle the property handover procedures, water, electricity, coal, etc. transfer. Finally, when the house is handed over, the next owner will settle the balance to the seller.

2. The seller has an unpaid loan: the buyer and the seller agree on a contract signing date; generally within three working days after the contract is signed, the buyer will pay the down payment to the intermediary company for supervision; the seller, buyer and The three parties of the intermediary company jointly witnessed the repayment of the landlord's unpaid bank loan. After 7 working days, the bank loan review is completed, and both parties agree on a time when the property enters the trading center; on the day of entering the trading center, the buyer pays the seller all the house payment except the balance payment.

After 20 working days, receive a new real estate certificate; use the new real estate certificate to handle property handover procedures, transfer of water, electricity, coal, etc.; finally, when handing over the house, the buyer will pay the balance to the seller.

3. The buyer’s loan to purchase a house: First, the buyer’s loan limit and credit are reviewed; after the review is correct, the two parties reach a purchase and sale agreement. The buyer and seller agree on a contract signing date; generally within three working days after the contract is signed, the buyer pays the down payment to the seller; the buyer signs a loan agreement with the loan company or bank; after the loan review is completed within 7 working days, the two parties agree on a property Time to enter the trading center; 20 working days after entering the trading center, collect the new real estate certificate; the bank will lend money to the seller with the new real estate certificate; handle the property handover procedures, water, electricity, coal, etc. with the new real estate certificate; and finally hand over the house At the time, the buyer will settle the balance to the seller.

4. Both the buyer and the seller have loans: First, the buyer’s loan limit and credit are reviewed; after the review is correct, both parties reach a purchase and sale agreement. The buyer and seller agree on a contract signing date; generally within three working days after the contract is signed, the buyer pays the down payment to the intermediary company for supervision; the seller, buyer and intermediary company all three parties jointly witness the repayment of the seller's unpaid bank account. Loan; after 7 working days, the bank loan review is completed, and the buyer and the loan company or bank sign a loan agreement; after the loan review is completed within 7 working days, the buyer and the seller agree on a time for the property to enter the trading center; it takes 20 working days to enter the trading center Afterwards, a new real estate certificate is obtained; the bank lends money to the seller based on the new real estate certificate; the new real estate certificate is used to handle property handover procedures, water, electricity, coal, etc. transfer; finally, when the house is handed over, the buyer pays the balance to the seller.

The time required to transfer the real estate certificate:

If there are no problems with the materials, you must go to the real estate bureau and fill in some forms and a stock contract. The amount on the stock contract must be signed with The amount on the contract is the same. After all the materials are submitted to the Real Estate Bureau, there will be a receipt. You must pay the tax on the date stated above, which usually takes about 15 working days. After paying the taxes, I queued up to get the new property certificate. The time limit for processing the real estate certificate is 10 working days (from the next day after the registration is accepted).

Fees to be paid for the transfer of second-hand houses:

Transaction taxes*** cover 8 types of taxes, mainly including deed tax, business tax, stamp tax, urban construction tax, personal income tax, and land value-added tax , education fee surcharge, local education fee surcharge, etc. The collection rates of various taxes vary by region, but the differences are not significant.

1. Deed tax: The base tax rate is 3%, and the preferential tax rates are 1.5% and 1%.

The tax rate for ordinary residences is 1.5% of the transaction price, and for non-ordinary residences it is 4% of the transaction price. Specific collection rates: Ordinary residences below 90 square meters (1% for the first set and 3% for the second set); Ordinary residences between 90 and 140 square meters (1.5% for the first set and 3% for the second set); Non-ordinary residences such as villas (4% of the transaction price) %).

2. Business tax: The tax rate is 5.5%.

According to the 2010 New Real Estate Deal, the full business tax will be levied on the transfer, sale and purchase of non-ordinary residences less than 5 years ago. The transfer, sale and purchase of non-ordinary residences more than 5 years ago or the transfer, sale and purchase of non-ordinary residences less than 5 years ago Business tax is levied on ordinary residences based on the price difference between the two transactions. Ordinary residences that are transferred, sold and purchased more than 5 years ago are exempt from business tax.

3. Stamp tax

The first is a proportional tax rate, which applies to real estate property transfer documents with a tax rate of 0.05% and also applies to house lease contracts with a tax rate of 1% , the tax rate is 0.03% for real estate purchase and sale contracts;

The second is a fixed tax rate, which applies to real estate rights certificates, including house property rights certificates and land use certificates, and the tax rate is 5 yuan per piece.

4. Personal income tax: The tax rate is 1% of the total transaction amount or 20% of the difference between the two transactions, and is borne by the seller.

Conditions for collection Individual house transfer income tax must be paid when selling non-only housing as a family unit. There are two conditions here: 1. The family’s only residence; 2. The purchase time is more than 5 years. If both conditions are met at the same time, personal income tax can be exempted; if either condition is not met, personal income tax must be paid.

Note: If it is the only residence of the family but the purchase time is less than 5 years, the tax deposit must be paid first. If the property can be repurchased and the property rights are obtained within one year, the tax deposit can be refunded in whole or in part. The specific refund amount will be refunded according to the lower transaction price of the two properties.

5. Urban construction tax, education surcharge and local education surcharge, etc.

The collection of such taxes is based on the business tax amount, and is calculated based on 7% of the actual business tax amount paid. 3% and 1% respectively pay urban construction tax, education surcharge and local education surcharge.

Note: Fund supervision is beneficial to both second-hand house sellers and buyers. It is provided by an independent third party (fund supervision agency/bank) to protect the interests of both parties and avoid second-hand house purchase and sale disputes, thereby playing a role in Reduce the risk of second-hand housing transactions.