The policy of "transferred" in Guangzhou second -hand housing is here!But it takes time to land

Text/Yangcheng Evening News all -media reporter Dai Manman

A few days ago, a news about the Internet of Guangzhou Branch of the People's Bank of China on the Internet that encourages the promotion of second -hand housing "transferred transfer" model. But it may take time to land in the market.

Compared with the original mode, the transaction cost can be reduced

What is the "transfer transfer" of second -hand housing? Simple explanation is that when buying second -hand housing that is still mortgage loans, you don't need to pay off the mortgage loan first to transfer, re -mortgage and issue new housing loans.

The reporter from Yangcheng Evening News noticed that the "Notice on Encouraging the Promotion of" Taking the Express "mode (hereinafter referred to as the" Notice ") issued by the Guangzhou Branch of the People's Bank of China in Guangzhou (hereinafter referred to as the" Notice ") was issued on September 15. Compared with the original transaction model, the transaction time can be greatly shortened, the transaction cost is reduced, the transaction efficiency and convenience can be improved, which is conducive to stimulating the vitality of the second -hand housing market transaction.

The "Notice" states that promoting the "transferred transfer" model of second -hand housing can indirectly accelerate the exfoliating of new houses while revitalizing second -hand housing transactions, forming the mutual promotion between the new commercial housing market and the second -hand housing market, and better meet the rigidity and the rigidity and Improve the demand for housing and promote the virtuous cycle and healthy development of the real estate market.

The core of the second -hand housing "transferred transfer" model is to avoid the "bridge" link of canceling the mortgage registration in advance to achieve the registration of loan funds and the registration of mortgage transfer, the cancellation of mortgage rights, and the establishment of registration simultaneously. It is worth noting that the "Notice" proposes that promoting "withdrawal" requires both convenience and capital safety. After the "transferred transfer" of second -hand housing for cross -banking rooms may generate property rights, the risk of bank mortgage and the final risk of transactions 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.

The Guangzhou policy has been released, but it has not yet landed

The current policy has been introduced for a week. A reporter from Yangcheng Evening News contacted a number of state -owned and joint -stock banks in Guangzhou that there were no further measures.

At the same time, the reporter from Yangcheng Evening News as customers in consulting including chain home, Yifeng and other cities in many stores in Tianhe and Huangpu. When buying and selling second -hand housing, the party of the house still needs to sell the house first to complete the mortgage to continue the transaction.

"As of now, we have not changed in the transaction process of second -hand housing in our transactions." An intermediary near Tianfu Road, Tianhe District said that after seeing the relevant information, we have verified from the company and related mortgage agencies after seeing the relevant information. As of the 21st day, there was no actual operation of the "transferred transfer".

Why is the policy out but has not yet landed? Some state -owned banks responded to the reporter from Yangcheng Evening News that the introduction of policies must be carefully investigated and demonstrated, and then conducts feasibility suggestions in accordance with the actual situation of the local area, and to reach consensus and pass methods between peers.

The reporter from Yangcheng Evening News learned that if it is affiliated with the "transfer" business in the same bank, it has been opened to "context". "If the two parties involved in buying a house and a house, then the seller's" Bringing the Secretary "and how to connect with the buyer's" Loan New Empress ", the specific details need to be discussed." The above -mentioned banks said.

In accordance with the requirements of the "Notice", encourage the actual exploration of the "transfer transfer" model, and the cities centers in Guangdong Province should actively propose to promoting the promotion of second -hand houses to the local government under the framework of the city. The department should do a good job of system formulation and policy promotion. 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.

According to this understanding, the scope of the radiation of this "Notice" includes all parts of Guangdong Province. Some real estate agencies told the Yangcheng Evening News reporter that in fact, since the "transferred transfer" model, since it is adapted to local conditions, it may take the lead in carrying out pilots in the first region including eastern and western Guangdong. Factors may be more, and the time to land may be delayed.

Many cities in the country have announced that they have tried to "take the transfer"

Judging from the current public information, the new model of the second -hand house "transferred" registration is the first of Jinan. On August 17, the Jinan Natural Resources and Planning Bureau collaborated with the Municipal Housing Provident Fund Center, banks, notarization and other institutions for nearly half a year, and for the first time in the country to innovate a new model of "transferred" registration for second -hand housing. For the mortgaged real estate, it is necessary to go public and transaction, and you can complete the transfer, mortgage, and issuing new loans without returning the original mortgage to improve the quality of transaction and reduce transaction costs.

According to statistics from the Central Plains Real Estate Research Institute, a total of more than 10 cities in the country have announced that they have tried or landed on second -hand housing to "take the transfer", including Jinan, Nanjing, Suzhou, Kunming, Jinhua, Zhuhai, Hainan, Fuzhou, Xi'an, etc.

On September 1st, Shenzhen Pingshan launched a "notarized deposit+redemption of redemption building" second -hand housing trading model. Before the transaction was not completed, all funds were regulated by the notary office for special accounts. The funds first enter the notary office supervision account and then go through the transfer procedures to ensure that the owner can receive the house purchase funds after the property is transferred; after the real estate transfer, the notary office will pay the funds to the owner to ensure that the buyer can get the real estate smoothly after paying.

For third -party institutions such as notarization or guarantee mentioned in the "Notice", Li Yujia, chief researcher of the Guangdong Housing Policy Research Center, said that the legal authority of the notary office and its independence can eliminate the concerns of all parties to risks' concerns about risks.For example, the seller could not get the money but passed the household, bought a house and gave money but could not collect the house."The" notarization deposit+redemption of redemption "of the notarized office, the seller borrows or the buyer's cashier, pay off the bank loan, lift the mortgage, handle transaction transfer, and the buyer has set up a mortgage.Yangcheng Evening News • Yangcheng School

Title Chart | Visual China

Editor -in -law | Hu Yan

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