The central bank's Guangzhou Branch issued a document to encourage the promotion of "transferred the transfer". The industry is expected to follow up in more cities in the future

21st Century Business Herald reporter Jia Junhui Guangzhou report

Recently, many places have been trying to "take the transfer" in second -hand houses.

On September 21, the 21st Century Business Herald was informed that the Guangzhou Branch of the People's Bank of China on September 15 issued the "Notice on Encouraging and Promoting the Protection of Second -hand Housing" Tourism "model (below" (below Called "Notice").

The so -called "transferred transfer" refers to a mortgaged property. You can complete transactions, transfer, and issue new loans without paying loans in advance.

"Bringing transfer" to reduce transaction costs and stimulate the vitality of second -hand housing transactions

According to Li Yujia, chief researcher of the Housing Policy Research Center of the Guangdong Provincial Urban Rules Institute, the specific process of "bringing transfer" includes that the first notarization office signed "notarized peace payment" fund supervision with both parties to the buyer and seller, the mortgagee (bank)) ) Service agreement, the three parties agree with this transaction model.

Li Yujia said that the most critical link is that all funds are supervised by the three -party notarization office for the notary office; then the notary office ensures the rights and interests of both parties and mortgages, that is, the notary office pays funds to the owners and creditors (mortgageeers ), Ensure that the owner can receive the house purchase funds after the real estate is transferred, and the remaining funds guarantee the claims after the mortgage is canceled; then ensure that the buyer can get the real estate smoothly after paying the money; finally Transfer and end settlers.

In the "Notice", the central bank's Guangzhou Branch pointed out that compared with the original transaction model, the second -hand house "transferred transfer" model can greatly shorten the transaction time, reduce transaction costs, improve transaction efficiency and convenience, and help stimulate the vitality of the second -hand housing market transaction vitality Essence

In Li Yujia's opinion, the direct benefit of "transferring" is to avoid the cost of redeeming the building. Moreover, the transaction links have been opened, reducing the cost of credit information survey and shortening the cycle of transaction, which is conducive to the transfer of second -hand housing transactions. "At present, hot cities such as Guangzhou not only have a large demand for housing, but also have great needs. In the case of high house prices, large apartment, and luxury homes, small units and total prices are controlled. Important choices for rooting. Reduce costs and shorten the cycle, which helps to buy a house for new citizens, and can also promote the demand for house changes. "

Based on this, the "Notice" encourages localities to explore the "transfer transfer" model in accordance with the actual situation. Among them, the central bank's Guangzhou Branch requires that the central branch within its jurisdiction shall actively propose to promoting the promotion of second -hand housing to the local government under the policy framework of the city, and cooperate with relevant departments to make the system formulation and policy publicity. In the process of promoting second -hand housing "transferred", we must summarize the practices in time to form experience that can be replicated and promoted; requiring financial institutions in the jurisdiction to actively optimize and improve business processes, improve the efficiency of work, combine the actual situation of various places, and real estate registration centers with real estate registration centers. , Third -party institutions establish business cooperation relationships, form specific operating regulations or business guides, and do a good job of training and customer preaching of relevant business personnel.

However, the central bank's Guangzhou Branch also emphasized in the "Notice" that promoting "transferred transfer" requires both convenience and funding safety. The core of the "Second -hand Housing 'with the Explorer" model is to avoid the "crossing bridge" session of cancellation of mortgage registration in advance to achieve the registration of loan funds and the registration of mortgage rights, the cancellation of mortgage rights, and the establishment of registration. After the second -hand housing 'with the transfer of transfer' may generate property rights, the risk of the bank's mortgage and the final risk of the transaction can be introduced. Third -party institutions such as notarization or guarantee can be introduced to ensure the security of funds and prevent and control business risks. "

Multi -places have been trying to "take the transfer" mode

It should be pointed out that before that, Nanjing, Suzhou, Jinan, Kunming, Shenzhen, Jinhua, Zhuhai, Fuzhou, Xi'an and other cities have tried the "transit" model. Hainan has also recently announced a pilot pilot of "transferred" for second -hand housing for second -hand housing mortgaged for housing provident fund loans.

Li Yujia further pointed out that "withdrawal" can accelerate the rhythm of the "serial order" transaction. "A set of second-hand housing transactions may be linked to the transactions of 3-4 houses. In the past, due to the cumbersome blockage of the process, a house could not be traded, which affected the transactions of other houses, which caused the demand for buying and selling. The credit endorsement has unblocked the transaction process and promoted the transfer of houses and a virtuous cycle. "

In the opinion of Zhang Dawei, chief analyst of Central Plains Real Estate, from a higher level of perspective, the policy of "withdrawal" can help accelerate the needs of housing changes to the market. It will promote the purchase of second -hand housing and settle in the city, and further promote real estate Nise cycle of the market.

The Central Bank Guangzhou Branch also stated in the "Notice" that "the promotion of second -hand housing 'with the transfer of transfer" model can indirectly accelerate the exfoliating of new houses while revitalizing second -hand housing transactions, forming a new commercial housing market and the mutual promotion between the second -hand housing market and the second -hand housing market. , Better meet rigid and improved housing needs, promote the virtuous cycle and healthy development of the real estate market. "

People in the industry generally believe that in the context of insufficient demand for house purchase and the continued sluggish mortgage loan, some financial regulatory departments have clearly issued a document to encourage the "transfer of transfer" model, and it is expected that more cities will follow up in the future.

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