How to buy and sell an installment house: hot topics and operation guides on the Internet in the past 10 days
Recently, the issue of buying and selling installment properties has become a hot topic on social media and financial forums. With the adjustment of real estate market policies and changes in home purchase demand, more and more buyers and sellers are paying attention to this transaction model. This article will combine the hottest topics of discussion on the Internet to provide you with a detailed analysis of the process, risks and precautions of installment real estate transactions.
1. Statistics of hot topics across the entire network (last 10 days)
| Topic Category | Number of discussions (10,000) | main focus |
|---|---|---|
| Interpretation of installment housing policy | 18.7 | Special policies for cities with purchase restrictions |
| Trading risk cases | 23.5 | Down payment dispute/property rights dispute |
| Operational Procedure Guide | 15.2 | Contract terms/fund supervision |
| Tax calculation | 12.8 | VAT/personal tax apportionment |
2. Analysis of the whole process of installment real estate buying and selling
1. Pre-transaction preparation stage
• Confirm property status: need to verify mortgage balance, repayment period and early repayment terms
• Buyer qualification review: Some cities require buyers to be qualified to purchase houses.
• Price evaluation: It is recommended to obtain evaluation by a professional agency to avoid later disputes
2. Core transaction process
| steps | Operation content | Things to note |
|---|---|---|
| 1. Sign a letter of intent | Agree on down payment ratio and balance payment time | Clear breach of contract terms |
| 2. Fund supervision | Open a joint account to deposit your down payment | It is recommended to choose bank custody |
| 3. Release and transfer of ownership | The seller settles the loan and transfers the property rights | Please allow 15-30 working days |
| 4. Final payment | Pay the remaining rent in installments as agreed | It is recommended to notarize each issue |
3. Recently hotly discussed risk warnings
According to netizen discussion data, the following risk points require special attention:
•Property rights risk: 38% of disputes arise from transactions before the mortgage status is released
•financial risk: 25% of cases involve misappropriation of down payment funds
•policy risk: Some cities restrict outstanding loan real estate transactions
4. Experts suggest solutions
1.Third party guarantee: Bear the transition period risks through a guarantee company
2.Notarized withdrawal: Withdraw the house payment to the notary office for supervision
3.Buy and sell with loan: The buyer’s loan is used directly to repay the seller’s loan
5. Tax calculation reference (taking a property worth 1 million as an example)
| Tax type | Seller bears | Buyer to bear |
|---|---|---|
| value added tax | 53,000 (exempt for 2 years) | - |
| personal income tax | 10,000 (approved based on 1%) | - |
| Deed tax | - | 10,000-30,000 (according to area) |
Conclusion:The steps involved in the purchase and sale of installment real estate are complex. It is recommended that both parties to the transaction hire professional lawyers to participate in the entire process and pay attention to local policy changes in real time. The recent "transfer with mortgage" pilot policy issued by the Ministry of Housing and Urban-Rural Development may simplify the transaction process and deserves continued attention.
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