How to transfer ownership of a house when selling it: Analysis of hot topics on the Internet in the past 10 days
Recently, property transfer has become one of the hot topics, especially in the market with active second-hand housing transactions. This article will combine the hot content on the Internet in the past 10 days to introduce in detail the process, precautions and common problems of selling a house and transfer, to help buyers and sellers successfully complete the transaction.
1. Basic process of real estate transfer
Conveyancing is the legal act by which the ownership of a home is transferred from the seller to the buyer. The following are the main steps for transfer:
| steps | Specific content | Materials required |
|---|---|---|
| 1. Sign a contract | The buyer and seller sign the "House Sales Contract" | ID card, real estate certificate, house purchase agreement |
| 2. Pay taxes and fees | Pay deed tax, personal income tax, etc. | Tax payment certificate, invoice |
| 3. Handle transfer of ownership | Go to the real estate registration center to handle transfer procedures | Real estate certificate, ID card, tax payment certificate |
| 4. Get a new certificate | Buyer receives new property certificate | transfer receipt |
2. Common problems and solutions during transfer
Based on the hot discussions in the past 10 days, the following are the issues that buyers and sellers are most concerned about:
| question | solution |
|---|---|
| Real estate certificate lost | Apply for a new real estate certificate and then transfer the ownership |
| Seller's loan not paid off | Need to pay off the loan or apply for remortgage first |
| The co-owners do not agree to the sale | All property owners need to sign and agree |
| Tax calculation disputes | Consult the tax department or professional organization |
3. Details of transfer fees
Closing costs are one of the focal points for buyers and sellers. The following are common expense items:
| Expense items | Charges | Payer |
|---|---|---|
| Deed tax | 1%-3% (depending on the area of the house and the buyer’s situation) | buyer |
| personal income tax | 1% (only exempt for those who are over 5 years old) | seller |
| value added tax | 5.6% (exempt for two years) | seller |
| registration fee | 80 yuan | buyer |
4. Recent hot topics
In the past 10 days, the following real estate transfer-related topics have triggered widespread discussion:
1.Adjustments to the "Full of Five Only" policy:Many places have optimized the "full five-year-old" tax-free policy to further reduce transaction costs.
2.Online transfer pilot:Some cities have launched online transfer services to simplify the process and improve efficiency.
3.School district housing transfer disputes:The number of transfer disputes caused by school district policy changes has increased, and buyers are reminded to pay attention to policy risks.
5. Things to note
1.Verify property information:Ensure that the property is free of mortgages, seizures and other restrictions.
2.Clarify tax sharing:Clarify the tax sharing ratio between the buyer and seller in the contract.
3.Choose a formal intermediary:Handle through formal intermediaries to avoid transaction risks.
4.Keep all credentials:Properly keep contracts, invoices, transfer receipts and other documents.
Through the above structured data and hot spot analysis, we hope to provide clear guidance for your property transfer. If you need further help, it is recommended to consult a professional lawyer or real estate agent.
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