Multi -place promotion of second -hand housing "bringing transfer" on transaction volume and housing prices is yet to be observed

Recently, Guangzhou has clearly issued a document to encourage the promotion of second -hand housing "transferred transfer" model. In addition to Guangzhou, second -hand houses have been launched in many cities in China. According to the incomplete statistics of the "Securities Daily" reporter, there are currently the implementation of second -hand houses in Wuxi, Nanjing, Suzhou, Jinan, Kunming, Shenzhen, Zhuhai, Fuzhou and other places.

The reporter learned from the bank staff of the above cities that there are not many applications in actual operations for the policy of "transferring transfers". At present, except for the cases of cooperation between real estate registration centers and some banks, large -scale policy implementation has not yet been fully implemented.

Some people in the industry believe that the "bringing transfer" model can indeed reduce the cost of buying a house. From the short term, this model will activate the second -hand housing market, but from the long -term perspective, it is necessary to increase the transaction costs in disguise in disguise. Essence At the same time, how much the impact on market transactions and housing prices will be observed.

It is reported that the Guangzhou Branch of the People's Bank of China has recently issued the "Notice on Encouraging the Promotion of" Taking the Excuse me "model" notice on encouraging and promoting the promotion of second -hand housing "transferred" (hereinafter referred to as the "Notice"). The so -called "transferred transfer", that is, the mortgaged real estate to be listed and traded, without required repayment or paid, can achieve mortgage changes, transfer registration and new mortgage establishment. Prior to this, the traditional model of second -hand housing trading activities required the seller (original homeowner) to release the original mortgage of the house to apply for subsequent transfer.

According to a reporter from the Securities Daily, some cities have already traded cases. For example, in recent days, the two citizens in Wuxi City successfully set up a second -hand house transfer registration at the Real Estate Registration Center of Wuxi City in Wuxi City in Wuxi, becoming the first beneficiary of the personal business of the personal business in Wuxi.

However, the reporter found in the survey that the current model of "transferred" has not been widely promoted in actual operation. For example, in Jinan, which was the earliest to launch the policy, the staff of some local bank branches told reporters that at present, "the transfer of the transfer" can be operated, but there are few customers who need it in this regard, and no customers have come to the outlets. On the one hand, many customers do not know this model; on the other hand, "bringing transfer" is a charging project, which requires an involvement in the notarization office, and notarization needs to be charged. On the whole, customers' demand is not high.

Many people in the industry have revealed that the current "transfer" in some areas has not been fully implemented, and banks have not received new policy notifications. Because of the difficulty of policy implementation, the real estate registration center requires further strengthening communication with financial institutions, capital deposit institutions and other systems.

Ma Jia, a lawyer at Shanghai Randy Law Firm, told the Securities Daily that there are three main reasons for the above phenomena: First, the overall cold in the real estate trading market is cold. At present, the real estate market in my country is significantly cold compared to the same period of the previous year, and the purchase willingness of the majority of housing people has declined significantly. Second, as one of the important parts of the bank, the bank lacks motivation to promote this model. It is difficult for banks to obtain additional profits from it, and they must also bear the risks and additional expenditure costs at the level of repayment and repayment capacity of second -hand housing buyers. Third, some real estate has agreed to "not transfer" when applying for a mortgage loan, so that some real estate cannot participate in the "transferred transfer" policy.

Ma Jia said that for both second -hand housing buyers and sellers, the "transferred transfer" to a large extent reduces transaction costs, and corresponding supporting policies and measures also provide more convenience for transaction entities. For market entities who are willing to buy and sell second -hand housing It belongs to good news and can promote the further prosperity of second -hand housing sales to a certain extent.

Yang Zhaoquan, a partner of Beijing Weinuo Law Firm, suggested that in order to protect the bank's rights, the bank avoids the amount of loan lending greater than the actual value of the house in the transfer business to maximize its loan interests. The second arrival of the bank can sign the seasons and the bank to sign the Ai -Party Agreement to protect the legitimate rights and interests of the second bank. The "transfer of transfer" model needs to establish a fund supervision account and introduce a notarized deposit system. Before the transaction is not completed, all funds have entered a supervisory account such as notarized deposit accounts to ensure the security of funds.

In Ma Jia's opinion, implementing the "transfer of transfer" policy needs to face the risk of repaying the willingness and ability of second -hand housing buyers. For banks, "bringing transfer" means that the borrowing main body has changed, and the second -hand housing seller is changed to the buyer. Although the bank as a mortgagee still enjoys the mortgage right to the house, whether the repayment ability of the second -hand housing buyer is the same as that of the seller, the potential risks involved in the purchase loan will increase, and all banks need to be identified.

Reporter Peng Yan

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