There is no need to make money to settle down the mortgage. This first -tier city has pushed the "transfer of transfer"!The stock price of real estate agencies rose sharply

It is understood that in the original trading model, if there is a loan in the second -hand housing, the loan is not paid off, and the loan will be settled first. In this way, the buyer should apply for a second -hand housing transaction. After the buyer and the buyer signed the contract, the buyer must first submit a loan application to the bank. After the loan approval is approved, the seller must first clear the original bank loan, apply for mortgage cancellation registration before applying for second -hand second -hand application for second -hand The transfer registration of the house and the mortgage registration of the buyer's loan. The buyers and sellers must not only travel between the registration agency and the bank many times, but also the required time cycle will also be long. Before all the transactions and registration procedures are completed, the seller will settle the fee of the original bank loan. Many of them need to use bridge funds. High cost of house transfer.

Compared with the previous model, the second -hand housing "transferred transfer" model does not need to pay the funds and the pledge of advance. After the buyer and the bank reached an agreement, the buyer and the new loan bank will pay the housing funds to the fund supervision account. After the "three -in -one" registration procedures for transfer, regulatory funds will be directly called to the original mortgage bank and seller.

According to the Ocean.com, relevant personnel of the Guangzhou Branch said that the core of the second -hand housing "transferred transfer" model is to avoid the "bridge" link of cancellation of mortgage registration in advance to achieve the registration of loan funds and transfer of property rights. Power injection and establishment registration simultaneously.

Compared with the original trading model, the second -hand housing "transferred transfer" can greatly shorten the transaction time, reduce transaction costs, improve transaction efficiency and convenience, and help stimulate the vitality of the second -hand housing market transaction. Promoting the "transfer transfer" model of second -hand housing can indirectly accelerate the exfoliating of new houses while revitalizing second -hand housing transactions, forming mutual promotion between the new commercial housing market and the second -hand housing market, and better meet the rigid and improved housing needs. Promote the healthy development of the real estate market.

However, it also involves some risks.

The Guangzhou Branch of the People's Bank of China pointed out that after the "transferring transfer" of second -hand housing for cross -bank may generate property rights, the risk of the bank mortgage and the final risk of the transaction can be introduced. Business risk.

According to the Ocean.com, a house intermediary who is unwilling to disclose the name also believes that the promotion of second -hand housing "transferred transfer" model will help the house trading and seller procedures to handle faster and more convenient. Once there is a "transferred transfer", it can be traded without removal, which will make more homeowners willing to be listed. For buyers, there is no need to entangle whether it should be linked to the seller for the seller, and the safety is guaranteed.