Shenzhen's first "notarized deposit+redemption of redemption buildings" is completed!Experts: Pay attention to the role and function of the notary office in various places

In order to accelerate the flow of the second -hand housing market, Shenzhen has reached new initiative.

On September 1, the reporter of "Daily Economic News" learned from the Judicial Bureau of Shenzhen Pingshan District that in order to speed up the flow of second -hand housing and solve the problem of long time, high risk of buying and selling transactions, high capital costs, etc. The Shenzhen Pingshan Notarization Office actively explored and completed the first "notarized deposit+redemption of redemption of the redemption building" in Shenzhen.

Source: Shenzhen Pingshan Judicial Bureau

It is reported that this model is based on notarized deposit services. Before the transaction is not completed, all funds will be supervised by the notary office for deposit and ensure the security of funds. Receive the purchase of the house; after the real estate transfer, the notary office will pay the funds to the owner to ensure that the buyer can get the real estate smoothly after paying. In addition, this model is exempted from the redemption of the redemption building, and it also saves the redemption of the redemption of the redemption building incurred during the redemption of the redemption building.

The Pingshan notary office mentioned that the launch of the policy can personalize a variety of needs such as settlement, guarantee, payment, and capital settlement. This model can be applied to many fields such as real estate transactions, equity transfer, separate analysis of production, commodity trade, and intermediary service fee payment, which further demonstrates the social value of the notarization system in participating in comprehensive social governance.

In the past, the second -hand housing market in Shenzhen often used 5,000 units as the "glory line", but the number of monthly transactions in the past few months was generally hovering up and down.

According to data from the official platform of Shenzhen, in August 2022, only 2,000 units of second -hand commercial housing in Shenzhen were sold, and the 2039 units in July fell 1.9%from July, and the transaction continued to decline from the previous month. In addition, from the perspective of second -hand housing transactions in the first half of this year, compared with the same period last year, it has fallen significantly. From January to June this year, the number of second-hand houses in Shenzhen was 1557, 823, 1117, 1860, 2318, and 2241.

"Daily Economic News" reporter noticed that since this year, many cities including Jinan, Qingdao, Zhuhai, and Kunming have been introduced to activate the second -hand housing market, and they have introduced the relevant policies of "mortgage transfer" in second -hand housing.

On August 26, Jinan issued the new policy of the stabilization market, including reducing the down payment ratio of provident fund loans and the registration of second -hand housing "transferred". Regarding the content of the transfer of transfer, "if you want to be listed and traded for the mortgaged real estate, you do not need to repay the loan or pay the funds in advance, that is, you do n’t need to return the original mortgage, you can complete the transfer, repay and issue new housing loans. This model has been successfully piloted in a number of banks such as CCB, ICBC, and Bank of Beijing, and will be fully implemented in the second -hand housing market in the city. "

Prior to Jinan, Kunming also held the launching ceremony of the merger registration work of the "mortgage" of the stock house. According to the Yunnan Daily, on August 2 this year, Yunnan's first second -hand house "with mortgage transfer" merger registration business was successfully handled in Kunming. In August, Kunming has successfully assisted in completing 10 second -hand housing "mortgage transfer" merger and registration business, and truly realized the implementation of the "mortgage transfer" business.

On the evening of September 1, Li Yujia, chief researcher of the Guangdong Housing Policy Research Center, told reporters of the Daily Economic News that the notary office as an independent third -party rights protection and fund preservation institutions injects a strong "mortgage" into the "mortgage" injecting strongly The credit endorsement simplifies the transaction process. "Overall, this model reduces costs and shorten the cycle, helps new citizens to buy houses, can also promote the demand for housing, promote housing circulation and a virtuous cycle."

In Li Yujia's view, the authority and independence of the notary office can eliminate the concerns of all parties to risks. For example, the seller cannot get the money but passed the household, and the house was bought for money, but the house could not be collected (maybe it was a distrust of the seller, or it might be a distrust of the property rights of the house). No guarantee. There is a notarized office "notarized deposit+redemption of retaining building", which integrates the seller's borrowing or buyer's cashier, repaying bank loans, lift mortgage, handling transactions, and buyers' re -establishment of mortgage.

On the same day, Yan Yuejin, the research director of the Think Tank Center of the E -House Research Institute, also expressed a similar point to reporters through WeChat.

"The operation of Shenzhen this time is similar to the current mortgage operations across the country, which reflects the merger process and reduction process in the transaction of second -hand housing, which makes second -hand housing transactions smoother, reduced capital costs, and improves efficiency."

Yan Yuejin also mentioned that such a system is also a system that needs to be established in the circulation of subsequent second -hand housing. The five -in -one system of "Bank+Real Estate Registration Center+Notary Office+Seller+Buyers" needs to be accelerated and will help promote the healthier development of second -hand housing transactions. "Each place needs to pay attention to the role and function of the notarization office, and actively optimize the current second -hand housing trading system. If this model can be smooth and effective in each link, then it will have significant reference for other cities."

Daily Economic News

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