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It's too risky to do that:
Have you negotiated when the transfer will be? The property certificate is not in your name, can you rest assured that the money was given?
One: You first go to the real estate bureau to pull a property adjustment order, because the property adjustment will show whether the property rights of several people are mortgaged. area and so on!
Two: the sales contract is not handwritten, the second-hand sales contract should be pulled online, and the contract pulled out is filed with the trading center, and he can't sell it if he wants to sell it.
Three: If you want to reduce the intermediary fee, you can go to the trading center to pull the sales contract, the trading center is 5 yuan for a contract.
Four: Do you know how shops pay taxes? The tax on shops is very high, which is 50% of the current selling price minus the purchase price at that time
for business tax. Plus your deed tax of 5% and landlord's personal income tax of 2%. The transfer fee is 50 yuan per square meter.
The printing cost is 50 pieces. You do the math yourself, and that's what you're going to pay.
Five: The most critical question, you have signed the sales contract now, but you don't have a household, can you calculate how much tax will be after 3 years? Even if the house price does not rise now, the trading center is increasing the appraisal price every year, which means that you will have to pay a lot more taxes if you are a year late.
Also, can you guarantee that after 3 years, you will transfer all the money to the landlord?
Six: If you don't sign a formal sales contract, the landlord will breach the contract after 3 years, and the landlord only needs to pay you 20% of the current selling price.
Personally, I suggest that if you want to buy this shop, it is safest to pay a down payment and take out a bank loan directly. You can also go to the trading center to make a mortgage, the mortgage is like this, you pay 500,000 mortgage to make 1 million.
I am a professional shop buyer, and I can help you answer any questions.
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It is recommended to take the regular path, don't be afraid of trouble, and wait until there is a contradiction, it will not be a troublesome thing, it will be sad and hurtful.
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I think it's better to go through the formal procedures for the loan, so that the money is more expensive, and there is a lot of peace of mind, which is not uncommon for the real estate management department in recent years.
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There are no risks as long as you grasp the following points:
First: the real estate certificate should go to the exchange to check the authenticity;
Second: the name of the title certificate is one person or two people, if the name of two people, both people must sign and draw;
Third: take the real estate certificate to the bank to check whether there is a mortgage;
Fourth: For real estate transactions with such a high value, according to your special installment payment contract, you must find a professional lawyer to draft.
Fifth: Since the interest rate is the same as that of the bank, it is recommended that you take the bank loan channel, so that the previous concerns are grasped by the bank, and any risks will be compensated!!
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1;You can close the property right away, but you have to make a down payment to the landlord after handing over the paperwork.
2;Pay the balance in 3 years, and this should be written clearly in which stage of 3 years to give how much, otherwise it is easy to rip off.
To be honest, there are a lot of risks in the transaction between the buyer and the seller, the best way is to find a bigger intermediary and spend some money, but it saves time and energy, I am a second-hand house in Chengdu, and I have witnessed too many tragedies
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Your situation is very complicated, and many things have to be written in the contract, such as who will pay the rent? When do you pay in installments? How is the interest planned?
Or is it included in the total house price? The transfer time of this situation, you are difficult to say, of course, the earlier the transfer of ownership for you, the more beneficial it is for you, because after the contract is signed, you only have the right to creditor's rights, and only after the transfer of ownership, in these three years, the seller can not sell to you at any time, and compensate you for the deposit (the deposit is also stipulated, not more than 25% of the total price) The house payment is not compensated, and the original amount is returned. If the price of the property rises sharply and exceeds the compensation, the seller can breach the contract.
It is recommended that you find a formal intermediary, give some agency fees, and let a broker with a brokerage qualification certificate sign a contract for you, one by one, to explain it clearly to you and ensure the legitimate rights and interests of you and the seller.
To put it simply, you can't explain this thing on the Internet, no matter what kind of expert you are, they can't teach you how to write it, you can only ask about the situation in person, and write the contract according to the situation.
The transfer of ownership of a house is not as simple as you think, and it involves a lot of content.
Hope it helps.
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First of all, it is necessary to understand all the documents of the homeowner about the shop, the title certificate, the ID card, and whether there is a loan. If there are more than one person's names on the title certificate, it is best to have the people on the title certificate present when signing the contract, as long as you also need to see the power of attorney, because many previous investors of the shop are partnership investors, and if the partners do not agree when selling, then you will be very troublesome in the future transaction.
When handling the transfer, you need to go to the real estate transaction center to go through the transfer procedures, for you the cost is not as high as the seller, you only need to pay the deed tax, stamp duty and very little warrant processing fees (such as production cost, cadastral plan fee).
As for the operation, it depends on you, and it is best to ask if you can open a restaurant before trading, because many shops are not allowed to open a restaurant (especially the shops next to or below the residential building). Regardless of whether you are running your own business or not, the wider your business scope, the wider your tenant range.
If you open it yourself, you can go to the industrial and commercial bureau to open a business license, and if you rent it to someone else, you can let others apply for a business license by themselves. But it is best to go to the tax office to pay the rental tax on the lease contract, so that the whole lease process is quite legal, and you are not afraid of others checking it.
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Sign the pre-sale contract--- both parties go to the notary office for notarization--- real estate transaction center to sign the sales contract--- hand over to the Land Bureau--- about 30 working days (different times in different places) to pay the deed tax, pay the tax payable to get the new real estate certificate, and if the bank mortgage, the payment is negotiated according to the normal negotiation between the two parties.;;
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As long as the formalities are complete, you can handle the transfer directly! The fee is not much.
As long as you have the title deed, it will be yours after 20 years.
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The key is quality and practicality;
Bought and there are policies related to the relevant departments. Wait.
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Transaction fee: RMB square meter construction area; Contract Stamp Duty: Total Transaction Value; Non-ordinary residential within 5 years:
Total Transaction Value 5 years or more: Difference Non-ordinary Residential 2% of the total transaction value or profit portion 20 ; Land Appreciation Tax: Exemption for ordinary residences, within 3 years for non-ordinary residences:
Total Transaction Value, 3 to 5 years: Total Transaction Value 5 years or more: exempt; Notary fee for sales contract:
The total amount of the house transaction must be paid only when the sales contract needs to be notarized;
closing costs; (1) Deed tax; For first-time buyers of less than 90 square meters, 1% shall be paid; 90-140 square meters according to the house price; More than 140 square meters shall be paid at 3% of the house price, and the buyer shall bear (2) Business tax: the property right of the house shall be exempted for five years, and the house shall be paid according to the house price for less than five years. The seller is liable for (3) Land Appreciation Tax; The property right of the house is exempted for five years, and the payment is 1% of the house price if it is not more than five years.
The seller bears (4) income tax: the property right of the house is exempted for five years, and the property right is paid at 1% of the house price or 20% of the difference between the original value of the house and the current value of the house if it is not more than five years. (The original value of the house is generally calculated according to the tax paid amount of the previous deed tax) The seller bears (5) the transaction fee of the house; According to the building area of 6 yuan square meters, both parties shall bear (6) Housing property registration fee:
Yuan. Buyer's assumptions; 7) Housing appraisal fee; Pay supplementary according to the assessed amount: deed tax = 150,000 yuan * 1% = yuan The buyer bears the business tax = 150,000 yuan * 5,5% = yuan The seller bears the land appreciation tax = 150,000 yuan * 1% = yuan The seller bears the income tax:
150,000 yuan * 1 = yuan The seller bears the house transaction fee = 65 square meters * 6 yuan square meter = yuan The buyer and the seller each bear half of the house property registration fee = 65 yuan The buyer bears it.
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**Net, I personally think that you should go to the second-hand market to see, after all, seeing is believing, online shopping, especially second-hand, there may be many problems. Find someone who understands something and go with you.