How to transfer ownership of a second-hand house: Analysis of hot topics on the Internet in the past 10 days
As the real estate market continues to be active, the transfer of second-hand houses has become the focus of heated discussion among netizens recently. This article combines the hot content on the entire Internet in the past 10 days to sort out the process, precautions and latest policies for second-hand house transfer to help you complete the transaction efficiently.
1. Analysis of the whole process of second-hand house transfer
According to the latest regulations of real estate registration centers in various places, the transfer of second-hand houses is mainly divided into the following six steps:
| step | Operation content | Materials required | time consuming |
|---|---|---|---|
| 1. Online visa filing | Sign the sales contract and file it | ID card, real estate certificate, sales contract | 1-3 working days |
| 2. Tax calculation | Calculate deed tax, value-added tax, etc. | Copy of real estate certificate, appraisal report | Instant processing |
| 3. Fund supervision | The buyer deposits the money into the escrow account | Bank cards, regulatory agreements | 1 working day |
| 4. Pay taxes and fees | Pay taxes at the tax department | Tax payment certificate, invoice | 0.5-1 working day |
| 5. Transfer of property rights | Real estate registration center handles transfer of ownership | All original materials | 3-5 working days |
| 6. Get a new certificate | Buyer receives real estate certificate | Acceptance receipt | Get it instantly |
2. Latest policy changes in 2023
According to the recent notice issued by the Ministry of Housing and Urban-Rural Development, the following policy adjustments require special attention:
| Policy content | Implementation time | Scope of influence |
|---|---|---|
| VAT exemption for 2 years has been adjusted to 5 years | September 1, 2023 | All cities except Beijing, Shanghai, Guangzhou and Shenzhen |
| Provident fund loan limit can be increased by up to 20% | August 15, 2023 | First house in second and third tier cities |
| Implement the new model of "transfer with deposit" | Pilot from July 2023 | Covered 50 cities across the country |
3. Answers to frequently asked questions (top 5 recent hot searches)
1.ask:Do I need to pay taxes on transfer of property between husband and wife?
answer:Name changes during the marriage are exempt from deed tax and only cost RMB 80.
2.ask:How to calculate taxes on the resale of inherited property?
answer:Personal income tax is paid based on (current selling price - assessed value at the time of inheritance) × 20%.
3.ask:How much money can be saved by "transfer with deposit"?
answer:Saving an average of 12,000 yuan in advance fees and shortening the transaction cycle by 15 days.
4.ask:How long does it take to enroll in school after transferring the ownership of the school district room?
answer:It is necessary to complete the transfer of ownership and actually live in the property one year in advance. The details are subject to local policies.
5.ask:What are the risks of Yin-Yang contracts?
answer:You may face back taxes, fines and, in serious cases, criminal liability.
4. Professional advice
1.Check property status in advance:The mortgage and seizure status can be verified online through the "Real Estate Registration Information Inquiry" applet.
2.Choose a formal intermediary:Priority will be given to institutions with "Real Estate Brokerage Registration Certificate", and the commission standard is generally 1-2% of the house price.
3.Keep the full set of credentials:Keep communication records throughout the entire process from house viewing to handover, and it is recommended to use the official fund supervision platform.
4.Pay attention to regional policies:For example, Hangzhou promotes "electronic property rights certificates" and Shenzhen pilots "cross-border real estate mortgage registration" and other innovative services.
Through the system to understand the transfer process, grasp policy trends, and avoid potential risks, you can complete second-hand housing transactions more smoothly. It is recommended to consult the latest local policies and regulations through the 12345 hotline before handling.
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