Raising Tower ↓ Regulatory force ↑ Shenzhen Innovation Second -hand Housing Trading Mode

Shenzhen Innovation Second -hand Housing Trading Mode

A few days ago, the city's first "notarization deposit+exemption of redemption building with the transfer"

Second -hand housing trading service

Completed by Shenzhen Pingshan Notary Office

This has aroused the attention of citizens and people in the industry

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Some insiders said: "This transaction model is exempted from the" redemption building "link, which saves the redemption of the redemption of the redeemed building interest, guarantee and other redeeming expenses generated by the redemption of the redemption building in the process of redemption. Can reduce the cost of transaction costs. "

What are the advantages of the redeeming building?

How to ensure the safety of funds?

Take a look

Remove the "stumbling block" of second -hand housing transactions

The transfer process of second -hand housing in traditional models is relatively cumbersome-

The seller's loan or buyer's funds, pay off bank loans, lift mortgage, handle transactions, and buyers' re -establishment of mortgage are indispensable. After the registration is completed, the buyer's bank loan, and the seller can finally get the remaining housing funds.

The entire cycle is less than ten days, and most of them are more than a month. The tedious process has become the "stumbling block" of second -hand housing in the market.

Article 406 of the Civil Code stipulates: "During the mortgage, the mortgagor can transfer the mortgage property. If the parties have an agreement, the mortgage property is transferred according to its agreement." The mortgage right is not affected. "

"Notarized deposit+exemption of redemption buildings"

Second -hand housing trading mode

It is an innovative measure stipulated by the Civil Code

"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.

Improve transaction security and avoid disputes

In this innovation mode

Transaction security coefficients have greatly improved

Aspect of funding

Based on notarized deposit services, all funds are supervised by the notary office for the deposit of special accounts before the transaction is not completed. The funds first enter the notary office supervision account and then go through the transfer procedures to ensure that the owner can receive the house purchase funds after transferring the property; 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 the money; both parties and creditors of the trading parties and creditors (Mortgager) and the notary office jointly signed a supervision agreement to directly pay funds to the creditors (mortgagee) to ensure that the claims after the mortgage right can be settled.

Risk prevention

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.

Reduce one -third of transaction costs

Compared with the old "redeem building before the household" mode

"Notarized Almight+Return Free Building" mode "

Not only is it avoiding the redemption building

It also saved the redemption process for both parties to the transaction

Returned the fund interest of the redemption building

Sales and fees and other redeemed buildings

According to the current market generally redeemed building costs, the transaction cost can be reduced by one -third. For transactions that have been seized, the proportion of reduced property will be larger.

As an important function of notarization service, notarization and deposit service can personalize multiple needs such as settlement, guarantee, payment, and fund settlement.

At present, the Pingshan Notary Office has been based on a number of fields such as real estate transactions and equity transfer. Based on notarized deposits, supplemented by agency services, providing credit guarantees for legal transactions and disputes, and giving full play to the legal functions of notarization to prevent disputes, further demonstrating the further demonstration The social value of the notarization system in participating in comprehensive social governance.

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