Thousands of calls are hot and asking for second -hand houses to "take the transfer", Jinan, the "nation's first" fire

The innovative measures of "transferring transfer" in Jinan's second -hand housing caused a sensation in the country, and even the topic once appeared on Weibo in the same city. For two consecutive days on August 17th and 18th, the Jinan City Real Estate Registration Center received more than 1,000 consultation calls. Some citizens enthusiastically asked the new business and the idea of ​​joining the banking institution. People in the industry believe that this innovation has survived second -hand housing transactions, which is conducive to market activity and has a demonstration effect in China.

Non -"new policy in the property market" but business innovation

On August 15, the National Bureau of Statistics released the 70 -city house price index in July, and the price of second -hand housing in Jinan decreased for 11 consecutive months. Just when the market was light, on August 17, Jinan announced on the basis of the successful pilot pilot of the second -hand housing, and fully implemented the new registration model in the market. This move quickly stirred a large piece of water in the peaceful market.

In the context of the regulation and control policy adjustment policies across the country, the reporter noticed that a voice attributed the measure to the "new property market policy". "'Bringing transfer' is not a property market policy for rescue the second -hand housing market, but an innovative measure of process reconstruction." Du Jianang, director of the Jinan City Real Estate Registration Center who has just participated in the press conference, pays special attention to this innovative market response. For The "New Deal of the Property Market" denied it. He explained that Article 406 of the Civil Code stipulates that "the mortgagee can transfer mortgage property during the mortgage period", which is a legal sense of exploring the innovation of local exploration. Dare to enter the market to bring confidence and dispel worry. "The second day of this measure was officially launched, there was a villa worth 36 million yuan for notarization deposit. The homeowner was ready to trade with 'transit", which was unimaginable before. "Some people in the industry said.

Data Map (Source: Xinhua News Agency)

The Jinan second -hand housing market is actually not so sluggish on the outside world. The reporter learned that since the proper adjustment of the property market regulation and control policy, the second -hand housing market has been active in transactions, and the average daily transaction volume has increased steadily. It is better than the same period. "The buyers and sellers are more sensitive to price factors. After entering the second -hand housing buyer's market, the buyer's bargaining ability has increased, and the seller's price reduction transactions show that the price index is lower. The current market demand is still there, nearly 200 sets of daily transactions are high." Relevant departments said that the launch of the "transfer of transfer" is conducive to improving the vitality of second -hand housing transactions.

Jinan second -hand housing "bringing transfer" involves a variety of types of provident fund loans, cross -bank loans, and peer loans. It is not limited to peers, and it can be achieved smoothly between cross -bank.

"Bringing the transfer" is not a "mortgage"

The homeowner traded a second -hand house where a loan was not paid off. The house and the loan were transferred to the buyer's name at the same time, of which the loan amount remained unchanged. This is similar to the "transfer mortgage" that was stopped in the past few years, so there is a voice that "the mortgage" reproduces the rivers and lakes.

Data Map (Source: Xinhua News Agency)

The "mortgage" business has become popular more than ten years ago. At that time, some cities "speculators" originally paid 20 to 30 % of the down payment, and transferred the house by modifying the purchase contract and other methods. The remaining loans were transferred by the bank to the buyer, so the cost of operating the real estate was very low. In 2007, the central bank and other documents strictly investigated and dealt with illegal acts and changes in fake mortgage, mortgage, and mortgage. In 2019, the central bank issued an announcement on the adjustment of the interest rate of new commercial personal housing loans, and once again reiterated that it is strictly forbidden to provide personal housing loans "mortgage" and "mortgage" services.

The reporter noticed that the fundamental reason for the suspension of the "mortgage" was to suppress real estate. The mortgaged house has not been registered with real estate. After the conversion of a house contract, the loan is mortgaged again. There are many risks. "Bringing the transfer" is the "dual preview registration" of second -hand housing transfer and mortgage, which further simplifies the processing process. It can complete the transfer, mortgage, and issuing new loans without returning the original mortgage. Improve transaction quality and reduce transaction costs.

The first nationwide introduced notarized deposit

Since the beginning of this year, the media has reported many measures to launch second -hand housing transactions. Kunming has also launched a second -hand house "transferred" merger registration business recently. The "crab" that Jinan eats is unique in the country to introduce a notarized "deposit account".

The notary office is a deposit institution stipulated by the law. It is the intervention of the notary office that fully guarantees the safety of "transferring transfer" transactions, and solves the problem of mutual distrust between the buyers and sellers. Feng Peiming, director of the Qilu Notarization Office, introduced that in the new model of the second -hand housing of the second -hand house in Jinan, the buyers and sellers will sign the deposit agreement and attorney at the same time as signing the buying and selling contract. After the deposit account is completed, after completing the registration of the real estate, the notary office will take the above money into the seller's bank account to repay the loan that the seller has not paid, and the remaining part will be included in the seller's personal account.

Data Map (Source: Xinhua News Agency)

Under the new model, not only the transaction time and high security, but also more importantly, save the seller's cost of high -amount (bridge funds) generated by the seller to pay off the loan. It is precisely because of the significant saving cost that "the transfer of transfer" has a great impact on the "bridge loan" business. Some real estate agent stated that in the previous second -hand housing transactions, they often encountered a customer who had to wait for customers to find money, or raised the "bridge" funds from the capital company to solve the mortgage. Industry insiders said that under the traditional process, at a loan of 500,000 yuan, the interest of "crossing the bridge" is about 20,000 yuan. The cost is far reduced. A few days ago, the main person in charge of the Economic Provincial Government held by the Economic Provincial Government pointed out that there are many people in economic provinces, and they must find more ways to promote consumption, expand consumption such as cars, and support housing rigidity and improvement needs. In this context, Liu Lianheng, general manager of Jinan Real Estate Customer Customer Division, told reporters that Jinan's approach has a certain demonstration significance nationwide. Driven the innovation of the new house market, "market activity is up, and the real estate market will develop healthy and stable."

At present, the "transferred transfer" model has been successfully piloted in the local ICBC, CCB, and Bank of Beijing in Jinan, and has successively contacted the Jinan Real Estate Registration Center, expressing the idea of ​​joining this business. (Source: Jinan Times · New Yellow River Client Reporter: Luo Xiaofei)

Edit: Zhang Yu

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