The new model of Jinan's first -hand second -hand housing will further stimulate the activeness of transaction in the property market

The new model of second -hand housing trading is officially landed in Jinan. On the morning of August 17th, the Jinan Municipal Party Committee and Municipal Government held a press conference to publish an authoritative release of the first new registration model of the second -hand house that Jinan just launched the second -hand house.

It is reported that in response to the problem of long -separated time, long separation time, high risk of trading transactions, and high capital costs during second -hand housing transactions, Jinan Natural Resources and Planning Bureau collaborated with the Jinan Housing Provident Fund Center, banks, notary and other institutions. For the first time in the country to innovate the new model of "bringing transfer" for second -hand housing, for listing transactions for mortgaged real estate, you can complete the transfer, mortgage, and issuing new loans without returning the original mortgage to improve the quality of transaction. Reduce transaction costs.

At present, this model has been successfully piloted in many banks such as ICBC, CCB, and Bank of Beijing. It will be fully implemented in the (Jinan) second -hand housing market. Seamless connection.

According to reports, after the implementation of the new process of "transferred", the transliteration and mortgage "dual preview registration" of the buyers and sellers can complete the online application through the bank. You can get a house purchase fund in two days and settle the original bank loan. The time limit for handling is compressed from the original ten days to one to 3 working days, which will further stimulate the vitality of the second -hand housing market and inject new impetus into the market.

"This will have a certain positive impact on local second -hand housing transactions and real estate credit markets." Wang Xiaoyu, chief analyst of Zhuge Housing Data Research Center, told the Securities Daily reporter that for second -hand housing transactions Come to two aspects. First, reducing the cost of transaction, that is, the seller does not need to solve and raise funds, and can use the buyer's bank loan to repay the seller's bank loan, which effectively reduces the transaction cost and lifts the trouble of funds. The buyer can directly deposit the purchase of the house in the deposit account, which guarantees the interests of the trading entity to a certain extent.

In this regard, Li Yujia, chief researcher at the Guangdong Housing Policy Research Center, told the Securities Daily that from the current market performance, the proportion of second -hand housing accounted for all housing transactions was declined. Take Guangzhou and Shenzhen as an example. If the price is not reduced, the transaction cycle of second -hand housing may be up to 6 months to 12 months. Among them The shortened half; the second is to help speed up the demand for housing changes to the market. The transaction cycle of second -hand housing is too long and the sales are blocked. The need for a second -hand house to change the housing is difficult to release. As a result To the extent, it has a dredging effect on this blocking point and helps to increase the transaction volume of new houses. Third, after the implementation of the new model, it will promote the purchase of second -hand housing and settling in the city. Therefore, this model can be promoted nationwide to further promote the virtuous circle of real estate markets.

Is it possible for other cities to follow suit? Wang Xiaoyu said that Jinan's launch of the "transferred" model of second -hand housing is an innovative policy that keeps close to market exploration. It will accelerate the restoration of the market from multiple angles. New optimization policies have been launched or explored in other cities.

Reporter Wang Lixin

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