The property market continues to be sluggish, and the second -hand housing "takes the transfer" in many places

There may be more cities in the future

Promote the policy of "transferring transfer" in second -hand housing

In order to promote the recovery of the real estate market and active second -hand housing transactions, recently launched a policy of "transferred" in second -hand housing.

On September 17, the official website of the Hainan Provincial Government issued the "Hainan Province's Coordinating Epidemic Prevention and Economic Restoration Action Plan", which mentioned "Exploring the" Pilot Pilot "for second -hand housing for second -hand housing for housing provident fund loans" Essence Earlier, Jinan, Nanjing, Suzhou, Shenzhen, Zhuhai, Fuzhou, Fuzhou, Kunming, Xi'an, Jinhua and other places have also launched second -hand houses to "take the transfer". According to media reports, Wuxi also joined this ranks on the 19th.

Since the beginning of this year, the real estate market has continued to be sluggish, bringing tremendous pressure on the stable growth of China's economy. Consumers' willingness to buy a house and the market expectations for real estate are weak. According to data recently released by the National Bureau of Statistics, in August, 56 cities in the 70 large and medium cities decreased from the previous month, an increase of 5 from the previous month. According to the data released by the Shell Research Institute on September 6, the transaction volume index of "Shell 50 City Second -hand Housing" fell from last month, and the transaction volume of second -hand housing in over 70 % of the cities in 50 cities decreased. Hangzhou, Nanjing, Ningbo, Wuhu For the Yangtze River Delta cities, the transaction indexes of key cities such as Chengdu, Chongqing, Xi'an and other central and western regions have declined. It is foreseeable that in the future, more cities may implement the policy of "transferred" for second -hand housing.

In the future, more cities may implement the policy of "transferred" in second -hand housing. Photo/Visual China

The so -called "transferred transfer" means that if the mortgaged real estate must be listed and traded, the original mortgage, mortgage, and issuing new loans can be completed without returning the original mortgage. This saves the cost of redemption and the time cost of the second -hand housing seller and the time cost of raising loans, which greatly saves the transaction time of both parties in the transaction and reduces the difficulty of transaction.

Zou Linhua, the leader of the Housing Big Data Project Team of the Chinese Academy of Social Sciences, told China News Weekly that "bringing transfer" can save transaction costs and reduce transaction risks. Earlier, during the transaction of second -hand housing, the seller may need to cross the bridge funds in order to relieve the mortgage, and the cost is very high; or the seller asked the buyer to pay some housing funds to be used for the pledge, and the buyer had the risk of being cheated and the money house was empty; The sellers have not received the first transfer of the model, and this is often there, and this is also risky for sellers.

In short, the second -hand housing "with the transfer" makes the buyer not need to bear the risk of advance capital in advance, and the seller does not need to bear the risk of overdue the overdue fee. For banks, the transaction volume of second -hand housing will also increase. Winning reform policy.

At present, the specific practices of "transferred" in various places are different. After nearly half a year of exploration, Jinan innovated for the first time in mid -August and launched a new model of second -hand housing "transferred" registration -real estate transfer and mortgage "dual trailer registration". The specific method is that during the trading of the stock housing, the buyer needs to use the provident fund loan (including the provident fund and the commercial port loan) to buy a house. "After the processing is completed, the bank can issue a loan based on the results of the mortgage forecast registration, and achieve the lending funds and transfer registration procedures simultaneously.

The main processes of Wuxi's "transferred transfer" business are divided into four steps: First, buyers, sellers, and banks signed the "Fund Supervision Agreement" and "Fund Entrusted Payment Agreement" to ensure that the supervision amount can cover the principal and interest of the seller's loan; The down payment and the buyer's bank mortgage loan is deposited into a special account for fund supervision; third, after the bank issues the "Mortgage Change Agreement", the buyers and sellers go to the real estate registration department to go through the transfer and mortgage procedures; The seller loan principal and interest, and then transfer the remaining funds to the seller's account.

At present, cities, which are launched "transferred", are generally equipped with fund account supervision requirements. In the new process of "transferred" launched by Jinan City, the introduction of notarized "deposit accounts" is an important part. Before the transaction is not completed, all funds are supervised by the account to ensure the safety of funds. Once the risk of the transaction or the accident occurs, the transaction fails, the funds are returned, and the capital disputes are avoided. The "transfer of transfer" process in Shenzhen is also based on "notarization deposit".

However, from the information released by all parties, the "transferred transfer" has not been fully implemented in these cities that have launched the policy. For example, in the specific implementation, most "bringing transfer" requires operations in the same bank system, that is, buyers of second -hand housing need to apply for loans at the mortgage bank of the house that previously seller, which may cause buyers to choose a lower loan interest rate The bank's rights are lost, and the transaction costs such as bridge -crossing fees, bridge fares, and guarantee fees have been filled. For another example, there are only large banks that can handle second -hand housing "transferred", and small banks have not yet launched the business.

However, there are also local governments that break the barriers and push the second -hand houses to "take the transfer". Jinan City's "transferred transfer" involves a variety of types of provident fund loans, cross -bank loans, and peer loans. It is ahead of the country.

Send 2022.9.26 Total Issue 1062 "China News Weekly" magazine

Magazine Title: Launched the policy of "bringing transfer" in more places

Author: Wang Xiaoxia

Edit: Wang Xiaoxia

Operation editor: Wang Lin

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