Remove the "stumbling block" of second -hand housing transactions, the new model of second -hand housing transactions in the Shenzhen Pingshan Notarization Office

The transfer process of second -hand housing trading in traditional models is relatively cumbersome. The seller's borrowing or buyer's cashier, paying off bank loans, lifting mortgages, handling transactions, and buyers' re -establishment of mortgage are indispensable. Only to get the remaining room models. The whole cycle is less than ten days and a half months, and more than a month, which has also become the "biggest stumbling block" of second -hand housing in the market.

In order to allow the masses to enjoy more convenient registration services, for the problem of multiple departments in the process of second -hand housing transactions, the problem of long separation time, high risk of trading transactions, and high capital costs, the Shenzhen Pingshan notary office actively explores and practiced a new model of second -hand housing transactions. At present It has successfully completed second -hand housing trading services in Shenzhen's first "notarization deposit+redemption building to bring transfer".

"I signed a" notarized peace payment 'fund supervision (guarantee deposit) service agreement with the parties of the transaction in mid -June. The end of July completed the mortgage transfer, fund settlement and mortgage registration for cancellation, completing house transfer and end settlement in mid -August Work. "The relevant person in charge of Pingshan Notary Office introduced.

The "notarized deposit+exemptation of redeeming the house" second -hand housing trading model solves the concerns of both parties and creditors (mortgagers) on transaction process security, capital security, and creditor's rights. In words, there are two major advantages:

The first is to greatly improve transaction security. Based on notarized deposit services, before the transaction is not completed, all funds will be supervised by the notary office for deposit accounts to ensure the security of funds; the funds will first enter the notary office supervision account and then go through the transfer procedures to ensure that the owner can receive the purchase of the house after transferring ; After the real estate is transferred, the notary office will pay the funds to the owner to ensure that the buyer can get the property smoothly after paying the money; the two parties, creditors (mortgagers), and notarization offices jointly sign the supervision agreement, and the notary office will directly pay funds to the creditors to creditors (Mortgage), the claims can be settled after the cancellation of the mortgage right. The risk of seizure that may exist during the transaction process, due to the existence of the mortgage right, it is difficult for creditors to apply for seizure to obtain actual benefits and reduce the motivation to seize the seal. The funds will return the original road, minimize the risk to avoid disputes.

The second is to greatly reduce transaction costs. Unlike the current model of "redeemed buildings and then households" generally adopted in second -hand housing transactions, the "notarized deposit+redemption of redemption of redemption" model is avoided, which also eliminates the redemption of the redemption building. The expenses such as interest, guarantee and fees such as the redeemed building are calculated according to the current market general redemption expenses, which can directly reduce the transaction cost of one -third. The proportion is undoubtedly greater.

Notarized deposit service is an important function of notarized agencies, which can personalize various needs for the parties on settlement, guarantee, payment, and fund settlement. The Pingshan notary office has been based on real estate transactions, equity transfer, separate analysis of production, commodity trade, intermediary service fee payment and other fields. Based on notarized deposit, supplemented by agency services, providing credit guarantees for legal transactions and disputes. Give play to the legal functions of notarization prevention disputes, and further demonstrate the social value of the notarization system in participating in the comprehensive social governance of social.

Text/Figure: Sixinxuan, Pingshan Notary Office

Correspondent: Dong Yachuan

- END -