The most important thing about the house is the real estate certificate. What processes do you need to handle the real estate certificate? Knowing these, you won't catch the blind on the spot.
First of all, in order to obtain the real estate certificate, we need to pay the following fees:
01
Taxes to be paid in general
1. Deed tax: 1.5% of the house price (3% for the area above 144 square meters, 1% for the area below 90 square meters and the first suite)
2. Transaction fee: 3 yuan / square meter
3. Surveying and mapping fee: according to the specific regulations of each area
4. Ownership registration fee and evidence collection fee: according to the specific regulations of each district, generally within 200 yuan.
02
Tax payable by the seller
1. Transaction fee: 3 yuan / square meter
2. Business tax: difference * 5.5% (property ownership certificate less than 5 years)
3. Personal income tax: 20% of the profit part of the real estate transaction or 1% of the house price (the house property certificate can be exempted if it has been 5 years and is the only house)
How long can the real estate certificate be completed?
Under normal condition, it takes 7-10 working days to change the name of the property right certificate of the house, subject to the workload of the local real estate department.
If the loan purchase, when all the materials are complete, the bank approval also needs 7-10 working days.
03
Process of handling real estate certificate
The buyer shall handle the real estate certificate by himself
Step 1: confirm that the developer has carried out the initial registration, that is to say, the time limit for the developer to handle the initial registration shall be stipulated in the completion of the large property purchase contract, especially the deadline for the developer to handle the initial registration and the obligation of timely notification after the completion of the registration, etc., so as to clarify the compensation liability that the developer shall bear when it is not in time.
Step 2: to get the housing (land) ownership registration application form from the management department, you can ask the developer in advance, in which department the property right certificate should be handled, and then directly inquire the Department, so as not to run the wrong way. If you want to apply for two certificates, you may have to run two departments and get two different application forms.
Step 3: take the mapping map (table) as the mapping table is an important basis for the registration department to determine the area marked on the property right certificate, it is one of the necessary materials.
Step 4: fill in the form, stamp and collect the relevant documents. When you ask the relevant departments in front, you must make clear which documents you need to collect, which documents are complete at one time, so as to avoid the hardships of rushing.
Step 5: to pay the public maintenance fund and deed tax, whether collected by the community or by the bank, it is necessary to keep the payment certificate. The payment certificate of these two payments is the necessary document for handling the property right certificate. Once lost, it will affect the handling of the property right certificate.
Step 6: submit application materials mainly including the following:
Sealed application form: the confirmation of the buyer and the seller signing the pre-sale contract on the house number, the measured area of the house and the settlement of the house price, the mapping map, the house registration form and the plan of each household, two copies of the special receipt for special maintenance funds, the certificate of tax payment or tax reduction and exemption, the identity certificate of the buyer (the copy of which shall be checked and the original copy), the certificate of prepayment of the common agreement bank, different places Party's specific requirements are different, so it is necessary to inquire clearly in advance. We must keep the notice of receiving the certificate given by the management department and collect the property right certificate according to the time notified above.
Step 7: collect the property right certificate according to the specified time, pay stamp duty, property right registration fee, production cost fee, etc., and carefully check the record of the property right certificate, especially the important information such as area, location, name of the obligee, ownership status, etc.
Step 8: handle mortgage registration some loan banks allow themselves to handle the property right certificate and do not distrain the property right certificate, just handle mortgage registration. In this case, the documents to be submitted for going through the formalities usually include: house ownership certificate, CO ownership certificate, written opinion of the co owner agreeing to the mortgage, loan contract of state owned land use certificate, mortgage contract, house leasing signed by the mortgagor and the mortgagee, indicating that the mortgagee is a financial institution, which is usually the case when submitting the financial license and business license Each procedure can be handled at the same time as receiving the property right certificate, and relevant documents can be prepared in advance. The specific requirements of different places are different, so it is necessary to inquire clearly in advance.
Step 9: deliver the property right certificate to the bank for seizure. If the loan contract stipulates, the property right certificate shall be delivered to the loan bank for seizure. It is reasonable to say that after the eighth step, the property right certificate can no longer be handed over to the bank for seizure. However, some banks are not assured that they often need to seize the original of the purchase contract in order to 'three insurances'.
Although trivial, you will find it much easier after you know these processes. It's the most reassuring to get your own real estate certificate.