Jinan will "take the transfer" into the new normal of the second -hand housing trading market

Qilu.com · Lightning News, August 17th, on August 17, the Jinan Municipal Party Committee and Municipal Government held a press conference to introduce the new model of the second -hand house "transferred" registration in Jinan in the country, and answered questions from reporters. The reporter learned that in the next step, Jinan City will take this press conference as an opportunity to further expand the scope of government and enterprise linkage, continuously strengthen the security guarantee of the platform, provide more convenience, and jointly use the Qilu public notary office and China Residential Real Estate as the assets as the assets. The representatives of notarization agencies and intermediaries are widely involved, actively publicized and guided, and played the chess of public -profit enterprises, so that the "bringing transfer" has become the new normal of the second -hand housing trading market and injects the driving source of the market.

Du Jiangang, Secretary of the Party Committee and Director of Jinan City Real Estate Registration Center, introduced that the policy of "bringing the transfer" is very good, the law has the basis, the policy supports, the masses have benefited a lot, and the market demand has many. The main problem with a small problem is that the participation of market entities is not high. For example, everyone knows the policy of "bringing the transfer", but whoever finds the business and where to implement it.

The most important of these is the participation of the banking department. After the introduction of the Civil Code, Article 406 has clearly stipulated that mortgage property can be freely transferred without the premise of unlicensed mortgage registration. Except for agreed), after the mortgage property is transferred, the original mortgage still exists above the mortgage property. This new system is undoubtedly conducive to improving the efficiency of social material utilization, promoting the transaction costs of mortgage property transactions and prices, and further promoting the free flow of social wealth resources. However, in the actual operation, the second -hand housing trading market has been formed for many years. If the buyer goes to the bank to apply for a loan, the transfer can be led after the transfer is mortgaged; if the seller has mortgage to do the household, it must be repaid and the transfer can be transferred. The risk prevention and control requirements of bank superiors are relatively consistent. Not any local financial institution can change at any time. The launch of the Jinan City's "transferred" measures involved a variety of types of provident fund loans, cross -bank loans, and peer loans. It is not only limited to the same peers, but also between cross -banking. Most banks' superior regulatory authorities have not yet made policy adjustments in time. At present, financial institutions represented by Industrial and Commercial Bank of China, Construction Bank, and Bank of Beijing actively cooperated with the active adjustment of the approval process, which played a great role in the promotion of this work. Adjustment, more banking institutions have participated.

According to reports, in the next step, Jinan City will take this press conference as an opportunity to further expand the scope of government and enterprises, continuously strengthen the security guarantee of the platform, provide more convenience, and jointly use the Qilu public notary office and China Residential Real Estate as the representative. The notarization agencies and intermediary agencies have been widely involved, actively publicized and guided, and played the chess of this market to make the public and benefit enterprises.