The Central Bank Guangzhou Branch encourages "transferred transfer", and more cities are advancing

21.09.2022

Number of this text: 1391, the reading time is about 2 minutes old

Introduction: The most critical link is that all funds are supervised by the three parties in the notary office of the three parties.

Author | First Finance Android

More and more cities have begun to launch the "transfer of transfer" model.

On September 21, the First Financial Reporter learned from the relevant channels that the Guangzhou Branch of the People's Bank of China has recently issued the "Notice on Encouraging the Promotion of Second -hand Housing" Disposter "mode to the central branch and banking institutions in the jurisdiction. (The notice hereinafter referred to as the "Notice"), aims to support rigid and improved housing needs.

The so -called "transferred transfer", that is, the mortgaged real estate to be listed and traded, without required repayment or paid, can achieve mortgage changes, transfer registration and new mortgage establishment.

The reporter also called a number of banks in Guangzhou at the same time, and most of the banks stated that they have not launched related businesses or are still under research.

In addition, a small number of banks have launched the bank's "transfer" business. For example, Ping An Bank Guangzhou Branch said that it will actively participate in the promotion of the business pilot. At present, it can handle the bank's "transferred transfer" business, and the cross -bank business needs to be launched later.

Help to speed up the circulation of second -hand housing

In the "Notice", the People's Bank of China Guangzhou Branch pointed out that compared with the original transaction model, the second -hand house "transferred transfer" model can greatly shorten the transaction time, reduce transaction costs, improve transaction efficiency and convenience, and help stimulate the second -hand housing market transaction vitality.

Li Yujia, chief researcher of the Housing Policy Research Center of the Guangdong Provincial Urban Rule of Provincial Urban Rules, believes that the most direct benefit of the second -hand housing "with the transfer" is to avoid the cost of redemption of the redemption building. Moreover, it has been opened between each link and reduced the credit information survey. The cost, shortening the transaction cycle, is conducive to the transfer of second -hand housing transactions.

The "Notice" also pointed out that promoting the "transferred transfer" model of second -hand housing can indirectly accelerate the exfoliating of new houses while revitalizing second -hand housing transactions, forming a new commercial housing market and the mutual promotion of the second -hand housing market to better meet the rigidity better And improving the demand for housing and promoting the virtuous cycle and healthy development of the real estate market.

"The" Treasury Transfer "policy released this time is a newer policy in the second -hand housing trading market, which has a positive role and significance." Yan Yuejin, research director of the think tank center of the E -House Research Institute "Policy is a policy with great innovation this year, including multiple cities to promote this work. Earlier, many cities such as Nanjing, Suzhou, Jinan, and Kunming have tried to "take the transfer" model.

"This kind of policy is of great significance. On the one hand, it has a positive effect on reducing the trading links and processes of second -hand housing; on the other hand, it also helps to accelerate the circulation of second -hand housing. Objectively, it is an important strategy to boost the trading market." He said.

Early warning of risk

The core of the second -hand housing "transferred transfer" model is to avoid the "bridge" link of canceling the mortgage registration in advance to achieve the registration of loan funds and the registration of mortgage rights, the cancellation of mortgage rights, and the establishment of registration.

After the "transferring transfer" of second -hand housing for cross -banking rooms may generate property rights, the risk of bank mortgage and the ultimate transaction will be reached. risk.

According to Li Yujia, the specific process of "transferred the transfer" is: First of all, the notary office signed the "notarized and peaceful payment" fund supervision (guarantee deposit) service agreement with both notarized offices and buyers and sellers. Essence

He also believes that the most critical link is that all funds are regulated by the three parties to be registered for a special account of notarized offices trusted by the three parties; then the notarization office ensures the rights and interests of both parties and mortgages, that is, the notary office pays funds to the owners and creditors (mortgage rights rights rights (mortgage rights (mortgage rights (mortgage rights ), Ensure that the owner can receive the house purchase fund after the real estate is transferred, and the remaining funds guarantee the claims after the mortgage is canceled; then ensure that the buyer can get the real estate smoothly after paying. Finally, the mortgage registration was canceled, and the house transfer and the end settlement were completed.

"The legal authority of the notary office and its independence can eliminate the concerns of all parties to risks." Li Yujia said.

Yan Yuejin believes that the characteristics of Guangzhou's policy is that the main points of consideration are relatively complete, and even the risks that may exist in the "transferred transfer" can be warned in advance. This will help better and properly promote such policies. Business innovation has good inspiration.

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