After the first-hand purchase of new houses, it is necessary to apply for real estate certificates, but now most of them are bank loans and mortgages, so the handling of real estate certificates is different from the previous ones. So how to deal with the first-hand house ownership certificate? Xiaobian takes you to know the process of first-hand house ownership certificate.
Method / step:
Submission of documents. This document requires the original and copy of the business license of the developer, the original and copy of the legal person's ID card, the company's tax information of the developer, etc., the purchase contract (one copy of the developer at the bottom), and the buyer needs to provide the family as the unit: the original ID card of both husband and wife, divorce certificate, marriage certificate, household register, purchase invoice (if there is no purchase invoice , you need to bring the receipt of the purchase to the developer to exchange the purchase invoice), and then there is the loan contract of the bank (a copy of the bottom bank) and the relevant information that the loan bank needs to provide. Because these materials are more troublesome for developers and banks to give so many people to deal with, most of the time it is the buyers who provide the materials that the buyers need to provide to the developers, and the developers will handle the delivery link uniformly.
After receiving the information provided by the buyer, the developer can complete the delivery within 2-3 working days and return the certificate and information provided by the buyer. Then the buyer continues to wait for the amount of deed tax approved by the housing authority. After receiving the approval from the Housing Authority, the developer will send a Shenzhen real estate registration payment notice to the buyer. The buyer will take this document to the real estate center where the property is located for tax payment. The payer does not require the owner of the house. After the document is delivered successfully, wait for 4 working days or so to receive the notice of tax receipt verification.
For tax point verification, please refer to: 1% of the total amount of the house price when purchasing the real estate, 3% of the total amount of the house price when purchasing the real estate, if the family is the unit and the first suite is under the personal name. So many families want to buy more than one suite, often take some tax avoidance methods.
After the housing authority pays the tax, immediately take the information given by the Housing Authority after paying the deed tax to a nearby window to issue an invoice. This invoice is the 80 yuan registration fee invoice, and then give a copy to the real estate developers' office staff.
The deed tax invoice is not issued by the housing authority. You need to take the payment certificate and registration fee invoice to any Local Taxation Bureau in the city where the property is located to issue the deed tax invoice, and the time is limited. Take Shenzhen as an example, it is valid for 2 years.
After the deed tax payment is completed, the next step is to wait about 20 days for the certificate to be issued. After the real estate certificate (i.e. the real estate certificate under the new deal) is issued, the original is directly sent to the mortgage bank where the real estate is located. However, after the certificate is issued, the buyer can contact the mortgage bank by phone and ask if the real estate certificate has been issued. If the certificate is issued, you can go to the bank to get a copy of the real estate certificate. The copy of the real estate certificate is very useful. For example, the copy of the real estate certificate is needed for selling and renting houses.
matters needing attention:
The deed tax invoice is very important. You must remember to go to the relevant tax bureau to issue it within the validity period, and it must be issued by the owner himself
Submit materials, issue deed tax invoice and the bank takes the copy of the real estate certificate, all of which need to be handled by the owner himself
Even if they are husband and wife, but one of them doesn't have a share, they must have a 100% share of the real estate to be the owner