How should buyers and sellers pay: A guide to the full process of capital transactions
In real estate transactions, the safe delivery of funds is one of the biggest concerns for buyers and sellers. Recent cases of real estate transaction disputes that have been hotly debated across the Internet show that nearly 40% of disputes stem from irregularities in the payment process. This article will combine the latest market trends and use structured data to explain in detail the key points of fund delivery in the process of buying and selling houses.
1. Analysis of hot data on recent real estate transactions
| hot topics | Number of discussions (times) | main focus |
|---|---|---|
| Second-hand housing fund supervision | 1,250,000 | How to avoid house money being misappropriated |
| down payment ratio | 980,000 | Latest policy differences across regions |
| Tax sharing disputes | 760,000 | Division of responsibilities between buyer and seller |
2. Operation Guide for Key Payment Links
1.Deposit payment stage: It is recommended to transfer via bank and indicate "House Purchase Deposit", the amount is usually 3-5% of the total house payment. Recently, there have been many disputes arising from WeChat transfer deposits. Court cases show that electronic payments require additional written agreements.
| Payment items | Suggested way | Amount range | Time node |
|---|---|---|---|
| deposit | bank transfer | 3-5% of house payment | Before signing |
| down payment | Fund supervision account | 20-70% of room payment | After signing online |
| balance payment | Bank custody | Remaining house payment | Transfer completed |
2.Down payment delivery: The latest data shows that the proportion of capital supervision used in second-hand housing transactions in 2023 has reached 78%. Cities such as Beijing and Shanghai have mandated that all second-hand housing transactions must go through bank capital supervision accounts.
3.Loan disbursement process: Buyers need to pay attention to the differences in loan timing between banks. Recently, liquidated damages disputes caused by bank loan delays have increased by 15% year-on-year. It is recommended that alternatives if the loan is not approved be clearly stipulated in the contract.
3. Key points of risk prevention
1.Fund supervision account selection: Give priority to large commercial banks that are mutually recognized by buyers and sellers, and avoid using the regulatory services of small financial institutions. The recent case of an intermediary misappropriating client funds exposed the risks of non-bank supervision.
2.Save payment voucher: It is recommended to make a double backup of each payment, including a printout of the bank statement and a screenshot of the electronic receipt. Court data shows that complete payment vouchers can increase dispute resolution efficiency by 60%.
3.Tax calculation: The latest tax policies show that many cities have adjusted the VAT exemption period. Buyers and sellers need to jointly confirm the latest local policies to avoid transaction suspension due to tax calculation errors.
| Tax items | Responsible party | Calculation base | Latest changes |
|---|---|---|---|
| Deed tax | buyer | House payment ratio | Cancellation of preferential tax rates in many places |
| value added tax | seller | value-added part | The exemption period is adjusted to 2 years |
| personal tax | seller | 20% difference | The only policy extension for those who have reached the age of five |
4. Suggestions for handling special situations
1.Decoration discount: Recently, decoration compensation disputes have increased by 30% due to housing price fluctuations. It is recommended to clarify the discount plan for interior decoration and furniture before signing the contract, and list it separately in the payment plan.
2.Breach handling: Data shows that buyers’ defaults are mainly concentrated in the loan process, while sellers’ defaults are mostly due to rising housing prices. It is recommended to agree on a stepped liquidated damages, with an incremental plan of 10% in the first week and 20% in the second week proven to be the most effective.
3.Cross-border payment: For foreign-related real estate transactions, foreign exchange funds need to be planned three months in advance. The latest regulations from the State Administration of Foreign Exchange require a complete home purchase contract and tax payment certificate.
Through the above structured data and operational suggestions, buyers and sellers can systematically grasp the key points of fund delivery in real estate transactions. It is recommended to consult a professional lawyer before trading and adjust the payment plan according to the latest local policies to ensure the safety of funds.
check the details
check the details
en
