What are the benefits of pushing the second -hand housing to "take the transfer"?

The adjustment of the second -hand housing market in various places is still deepening.

Following the adjustment and optimization of second -hand housing restrictions on sale and "recognition of houses and acquisitions", in many places, the second -hand house "transferred" policy is launched. From the simplification of the transaction process and the improvement of transaction guarantee, in order to promote market transactions.

What is the "transfer of transfer"?

On September 21, according to local media reports, the Guangzhou Branch of the People's Bank of China recently issued a notice on encouraging the promotion of the promotion of second -hand housing "transferred transfer" models to the central branch and banking institutions within its jurisdiction.

"This is the first policy to publicize the transfer of transfer to the transfer of the transfer of transfer." Yan Yuejin, research director of the Think Tank Center of the E -House Research Institute, pointed out. Prior to this, many cities including Jinan, Shenzhen, Nanjing, Fuzhou, Wuxi, Qingdao, Zhuhai and other cities have announced the trial of the policy.

The so -called "transferred transfer", in popular terms, refers to the mortgaged real estate, which can complete transactions, transferred, and issue new loans without paying off loans in advance. This is considered to be further reduced the risks and costs of transactions, revitalizing second -hand housing resources, and accelerating the circulation and transactions of second -hand housing, thereby driving an important innovation policy for active property markets.

With the implementation of the Civil Code last year, the "transferred transfer" has a legal basis. Wang Yuli, director of Beijing Gold Prosecution Law Firm, introduced that according to Article 406 of the Civil Code, "the transfer of mortgage property", that is, during the mortgage period, mortgagers may transfer mortgage property; if the parties have an agreement, they shall be in accordance with its agreement. If the mortgage property is transferred, the mortgage right is not affected.

At the same time, Wang Yuchen emphasized that even cities that can be "transferred" can not be realized. If the mortgage is set before, it is clearly agreed to be transferred, and it is given priority.

Quick and security are the biggest advantages

"Previously, there have been situations that the original owner's mortgage is going to be sold without paying off. The risk of running on the road. "Mr. Li, a real estate agent, told a reporter from CICC.

"We generally do the 'cross bridge', that is, 'redemption building', spend money to find the guarantee company, but the procedures are complicated, and we have to wait for the removal to trade." Generally, the mortgage is at least more than a week, and it will not be completed for more than half a month. The "bringing the transfer" will definitely save the cost of redemption and raising funds of the original homeowner.

How much efficiency can be improved? Taking Hefei as an example, the staff of the Real Estate Registration Center of Hefei said that as long as the banks who provide loans agree to cooperate, buyers can come to handle second -hand houses to "take the transfer" business. "In general, a new production certificate will be issued within 3 working days and the transfer process is completed."

In addition to speed, safety is also an important part of considering housing transactions. Mr. Li recalled that when he was "crossing the bridge" before, in order to consider security, he often needs to find an intermediary and a third party to supervise it. There are naturally many risks during the period.

However, after the "transferred transfer" model, the pressure of "cross -bridge funds" is reduced, and the seamless connection of the original mortgage cancellation registration and the new mortgage registration can effectively prevent transaction risks.

In many places, the blessing of third -party notarization agencies.

Jinan introduced a notarized "deposit account" in the "transferred transfer". The buyer can get the house to the deposit account to get the house. If there is a problem with the household, the house model can be returned. The flow of funds of all parties has a certain protection mechanism, reducing the risks caused by one party's breach of contract.

Wuxi has created a precedent for government supervision and free whole. The buyer also deposits the loan funds into the regulatory account in full, and then handles the real estate transfer, the original mortgage change of the seller, and the new mortgage of the buyer's mortgage. Finally, the seller's loan, the seller receives the balance and cancel the mortgage registration.

The latest policies released in Guangzhou are also clear. After the "transferred transfer" of second -hand housing for cross -banking rooms may generate property rights transfer, the risk of bank mortgage rights and the ultimate transaction can be reached. Risk prevention and control business.

"Relevant departments have realized the relevant risks that may exist in such transactions, and have also put forward a notarized or guarantee operation for risks. This has a positive role in better promoting the" transfer of transfer "model." Yan Yuejin said.

Or there are more cities to follow up

"This policy is more important to accelerate the rhythm of 'serial order' transactions." Li Yujia, chief researcher at the Guangdong Housing Policy Research Center, said that a set of second-hand housing transactions may connect 3-4 house transactions. In the past, due to the tedious blockage of the above processes, a house could not be traded, which affected the transactions of other houses, which caused the demand for buying and selling.

Li Yujia believes that "with the transfer of the transfer" injects a strong credit endorsement, unblocked the transaction process, and promoted the circulation and virtuous cycle of houses. The links between the links have reduced the cost of credit information and shortening the transaction cycle, which is conducive to the transfer of second -hand housing transactions.

"The operation of the" transfer of the transfer 'itself is not complicated. In the past, the bank's unwilling to operate was mainly because the loan amount was tight. "Zhang Dawei, chief analyst of Zhongyuan Real Estate, proposed that now, the bank may have operations when the loan amount is sufficient. Essence

According to data released by the Shell Research Institute, the housing credit environment in September was further relaxed, and the overall mortgage interest rate reached a new low.80%of the city's mainstream mortgage interest rates in the 103 key cities are as low as 4.1%and two sets of 4.9%lower limit.The market generally believes that in the future, more cities are expected to follow up to implement the policy of "transferred".

Source: China News Network

Cover map source: Xinhua News Agency

Edit: Lin Li

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