Nanping's first second -hand house "transferred" transaction successfully

On the 27th, Mr. Huang and Ms. Zhang, the citizens of Shunchang, and Ms. Zhang successfully handled the second -hand house transfer registration at the window of the Real Estate Registration Center of Shuangchang County's Administrative Service Center in Shunchang County. Business beneficiaries.

As the buyer, Ms. Zhang praised again and again: "This is the first house I bought. I originally wanted to raise more than 200,000 yuan to solve it. The procedures are completed quickly. "

What is "transferred"? Jiang Huaqin, director of the Real Estate Registration Center of Shunchang County, introduced that "bringing transfer" refers to a mortgaged property, and transactions can be completed without repayment of loans in advance. In other words, the cost of saving the "redeeming building" and the time cost of the original homeowner has greatly reduced the difficulty of transaction in second -hand houses.

It is reported that in the current traditional second -hand housing transactions, the "redemption building first and then household" is generally adopted, that is, if the mortgage loan is not paid off, the seller needs to pay off. The bank loan can be traded after lift the house after lift the mortgage. "'Before the building and then the household" model, the process is cumbersome and cost -effective, and there is still a certain risk of funding. Director Liu Yi said.

In August of this year, the CPPCC of Shunchang County established a special investigation team to conduct special investigations around optimizing the business environment. In the survey report, it was recommended that local second -hand housing transactions "withdrawing" new models. Immediately, the Management Committee of the Administrative Services Center of Shunchang County actively coordinated the county's real estate registration center, the housing management office, the tax bureau, and the CCB Shunchang Sub -branch and other departments to combine the local actual reinforcement approval process to further open the blockage points and difficulties to implement the "one table one table Application, one -window acceptance, and time -limited processing "service to provide guarantee for the implementation of second -hand housing transactions.

"The specific process of" with the transfer of transfer "is that the arrears and mortgage of the householder in the bank are unchanged, and the buyers and sellers go to the real estate registration center to go through the house sale of the online signing procedures. After the approval of the mortgage loan of the house, the bank and the buyer and the buyer signed a joint agreement, the entrusted agreement and other materials, and signed a bank mortgage loan contract with the buyer to entrust the bank to handle real estate transfer and real estate mortgage procedures. " Earlier, during the transaction of second -hand housing, the seller asked the buyer to pay some money to unbutton the property. The buyer was deceived, which caused the risk of the two empty rooms. The implementation of the new model of second -hand housing transactions has reduced transaction costs, shortened the transaction cycle, ensured the security of funds, and helped improve the transaction quality of second -hand housing.

Source: North Fujian Daily (Lu Guohua Xu Huashan Gao Liping)

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