Why is the second -hand house "with the transfer" "applaud and call the seat"?

Recently, news about the "transfer of transfer" has continued to swipe the circle of friends of real estate practitioners. On September 27, Xinhua Daily · Jiao Dianjiao reporter learned from the Provincial Department of Natural Resources' confirmation registration bureau that at present, there are successful cases of "transferred transfer" in Nanjing, Wuxi, Suzhou, and Taizhou in our province. Essence Among them, the Nanjing Real Estate Registration Center announced that it would fully implement the model.

Why does a small change in the transfer of second -hand housing trading cause such a big response? Reporters were investigated.

Who is the second -hand housing "transferred transfer"?

At 2 pm on September 28, the Nanjing Real Estate Registration Center came with a group of customers who handled the second -hand housing "transferred" business, and the staff of the Nanjing Branch of Construction Bank also accompanied the staff of the Construction Bank. One hour later, the three things of "bringing the transfer", the establishment of the householder mortgage, and the new production certificate were completed in the same window and all the one -time processing. The buyer left with a new house with a satisfaction.

Li Xingya, the customer manager of the Housing Finance Business Department of Nanjing Branch of Construction Bank, told reporters that the client of the group submitted a loan application to the bank on September 23. On September 28, the transfer mortgage and lending process were basically prepared. At the same time, the repayment of the house sales is settled. This case compressed the original repayment and solution for about a month to 5 working days.

There is no need to repay loans and no need to settle, and it can achieve second -hand house transfer with mortgage. Fang Xiaojie, a law firm in Jiangsu Zhibang (Nanjing District of the Free Trade Zone), said that the second -hand housing "transferred" is a product that should be born after the implementation of the Civil Code, which means that the Legislative spirit of Article 406 of the Civil Code is implemented to implement the legislative spirit of encouraging transactions to the implementation. Essence "According to the provisions of the original property rights, it cannot be transferred directly. Article 406 of the Civil Code stipulates that as long as the mortgagee is notified in time, the mortgage can be transferred, and the mortgage right will not be affected."

The Nanjing Real Estate Registration Center Business Operations Koko Magrants said that before the implementation of the "People's Republic of China", second -hand housing transactions, if the house is mortgaged, the loan must be repaid and the mortgage can be completed before the transfer procedures can be completed. Essence Now the model of the second -hand housing "with the transfer" is that it can also be transferred to the transfer registration without the mortgage of the house. This is a new model under the name of the new property owner.

In the original model, the seller must first raise funds to lift the bank's mortgage, the buyer and the seller signed the contract simultaneously, the buyer applies for bank loans, and after the loan approval is approved to go to the real estate registration department to handle the house transfer registration and mortgage establishment registration procedures, the bank can only only the bank You can pay, and the parties can only get the money. In this model, a problem exist is that if the seller's funds are tight and the funds to raise funds take a certain time, it will take time to apply for solution to the bank, which will cause the entire process to take half a month or even longer.

The new second -hand house "withdrawal" model simplifies the above process. Lei Fei said that the biggest advantage of the second -hand housing "transferred transfer" model is the reduction of the pressure of the householders' money to pay. At the same time, if the new house buyer wants to handle the loan simultaneously, the three business can be merged together. One is one. The window acceptance greatly compressed the processing link.

"In the past, when the funds of the buyers and sellers were insufficient, they had to borrow money from the institution to cross the bridge." Tan Jing, the director of the Affiliate Registration Bureau of the Provincial Department of Natural Resources, gave reporters to reporters, with some institutions "crossing the bridge" fee Borrowing the amount of 80,000 per day is calculated. If the soldiers borrow 1 million yuan of funds to "cross the bridge" and the borrowing time is 30 days, the "bridge" fee of 24,000 yuan will be incurred. more.

Real estate intermediary practitioners have a more direct feeling of the benefits brought by the "transferred transfer" model of second -hand housing. I love Xu Xiaoqi, director of the trading service department of Nanjing Branch, told reporters that the public account of the "Nanjing Real Estate" public account announced the second day when the "Nanjing Comprehensive Implementation of Second -hand Housing '" Taking Passing "is announced. Consultation and asked about the specific operation details. Xu Xiaoqi believes that the implementation of the new model of second -hand housing "transferred" model is a good thing whether it is a two -handed housing trading and seller, or for real estate agencies, and the entire market. For real estate agencies, the transaction links are simplified and work efficiency is improved. Judging from the response of front -line employees, everyone actively promotes the enthusiasm of customers to choose the "transferred transfer" model.

It is still time to implement the "transfer of transfer" in a comprehensive implementation of second -hand housing

The reporter learned that the second -hand housing "transferred transfer" model has not been fully launched in our province. Among them, Nanjing, Wuxi, Suzhou, Taizhou and other cities have successful cases. Nanjing Real Estate Registration Agency has announced that this model will be fully implemented. At present, it has completed the registration of 158 houses to "take the transfer" with more than 50 banks including Construction Bank and Nanjing Bank, and the transaction value exceeds 500 million yuan; Suzhou Zhangjiagang , Changshu, Taicang, and the real estate registration department of the city center have also tried to carry out the second -hand house "transferred" business. As of the end of September, 6 financial institutions including Suzhou Construction Bank, Bank of China, Bank of Communications, and Bank of Suzhou have applied for 8 sets of 8 units. The "transferred" of residential houses.

What is the process of handling second -hand houses to "take the transfer"? Lei Fei introduced two scenarios: In the first case, the original house was mortgaged, and the buyer did not need to apply for a loan. In this case, as long as the bank's bank agrees to handle it with the seller and the buyer, then you can go to the Real Estate Registration Center to apply for a two -in -one processing model to achieve the most concise transfer. The second situation is more common. The original house was mortgaged, and the new home buyers needed to go to loans. In response to this situation, the real estate registration center provides a three -in -one service model, that is, the transfer registration (transfer), the original mortgage change registration, and the establishment of the new mortgage. For eligible general cases, this process can achieve a settlement on the spot. After learning that the "Nanjing's comprehensive implementation of the second -hand housing '" with the transfer "model", Wang Xiang, the person in charge of Nanjing Wangxiang Real Estate Broker Co., Ltd., released a long article, which has summarized the benefits and difficulties of the second -hand housing to "take the transfer". He stated in the article that everyone's unanimous appraisal and ardent expectation after the release of the model was released. There were high risks and transaction costs in the original "escorting and re -household" model, and the second -hand housing "with the transfer" solved these two pain points. He also said, "There are still difficulties to execute." For example, the original loan bank of the seller is not the same bank as the buyer's new loan, or the seller's mortgage is more than one, and there are two or three pledge. Also, if the seller or the buyer involves provident fund loans, how can these problems be resolved?

Xu Xiaoqi also admitted to reporters that the second -hand housing "transferred transfer" had many details on trading cases. For example, the amount of loans that the seller has not repaid is greater than the amount of the buyer's application for loans.

The reporter learned from relevant persons in the industry that in the current successful cases of the second -hand house in our province, the above -mentioned situation is not included. It also means that the difficulties in the above operations need to be resolved. The comprehensive implementation of the second -hand housing "transferred transfer" model is still waiting.

System reform stimulates market vitality

Wang Xiang said, "I believe that the Nanjing Real Estate Registration Agency, which is constantly optimizing in real estate registration and trading session, and has always been at the forefront of the country, will definitely solve these difficulties I mentioned above, so that the model of" transit "to become second -hand housing soon becomes second -hand housing. The normal state of the transaction. "

The launch of the second -hand housing "transferred transfer" model is a convenient measure of institutional reform. Some people in the industry said that this model will further stimulate the vitality of the real estate market.

I love Huang Shoujuan, a market analyst at the Nanjing Branch of Nanjing Branch, believes that from the perspective of the market, the second -hand housing "takes the transfer" can help activate the second -hand housing market, especially some of the first part of the property, which can simplify the process, ensure the security of funds, and can also be able to ensure the security of funds. Reducing a house purchase expenditure has a certain role in promoting the transaction volume of second -hand housing.

In recent years, real estate registration has been "accelerating". Since the implementation of the real estate unified registration system on June 28, 2016, the Nanjing Real Estate Registration Center has carried out many reforms. For example, in the nation's first -time proposal and integrated service model, it has integrated a number of procedures involved in real estate transactions, taxation, and real estate registration. On behalf of three units, a staff member provides services to the masses in one window. It is also proposed that the "one -click payment, the background clearing points" model, the masses can pay taxes, registration fees, and house repair funds at one time. Today, the center has 12 types of businesses that can be settled on the spot, and other general businesses have been compressed within 3 working days.

The relevant person in charge of a state -owned bank of Jiangsu Branch told reporters that the operation model of the second -hand housing of second -hand housing in various cities in the province is slightly different. The time -consuming time to take the households will be significantly shortened. For example, the transaction time in the new model in Nanjing will spend more than one month than the traditional model. The person in charge believes that for banks, the second -hand housing "transferred" business will further improve the ability and efficiency of serving customers. On the one hand, business processes will be more convenient. On the other hand, trading funds are safer, which is a measure for the people, benefit the people, and benefit the people.

"Bringing the transfer" must also prevent risks

In the opinion of Fang Xiaojie, a law firm in the Zhibang (Nanjing District of the Free Trade Zone) in Jiangsu, the second -hand housing "withdrawal" is the product that should be born after the implementation of the Civil Code. To implement it. "According to the provisions of the original property rights, it cannot be transferred directly. Article 406 of the Civil Code stipulates that as long as the mortgagee is notified in time, the mortgage can be transferred, and the mortgage right will not be affected."

It should not be ignored that there are also risks of second -hand housing "transferred". For example, Fang Xiaojie said that, for example, the price determined by the buyers and sellers has not taken into account the poor interest rate, and may be controversial about the risk and cost sharing of the price and procedures; as a mortgagee, after the contract with the seller, the new loan is signed with the buyer's new loan. How to determine the issue of the contract and the interest rate; in the process of playing functions, there may be specific operating problems, such as commissioned notarization, notarization of specific existing extension, etc., which are all urgent issues that need to be solved.

People insiders in the financial industry also proposed the possible risks of the second -hand housing to "take the transfer": First, the transaction funds can be divided and allocated, to ensure that when the seller's loan and the seller allocate the remaining house purchase funds, the funds can be achieved. Successs such as seagained real estate during business may occur during business.

In response to potential risks such as the failure of bank mortgage and the ultimate transaction, Tan Jing suggested to encourage localities to introduce third -party institutions such as notarization or guarantee, on the one hand, reduce some institutional costs to allow the people to ensure the security of funds, prevent and control banks Business risk. Our province has also been explored in the risk prevention and control of "transferred transfer". For example, Wuxi "seamless connection" of mortgage changes, transfer registration and new mortgage establishment to avoid bank risks. This year, Jiangyin Rural Commercial Bank and Wuxi Housing Real Estate Guarantee Co., Ltd. cooperated to launch a second -hand housing mortgage loan business- "Anju Bao". When the customer sells the house, there is no need to settle the original loan. Under the premise that the process of closed -loop operation guarantees funds, the original loan is repaid first. This product not only solves the financing problem of not setting up the loan when selling the house, but also guarantees the safety of the buyer's first payment.

Taizhou Taixing launched a new model of registration of second -hand housing "withdrawal" for second -hand houses last year -real estate transfer and mortgage "dual trailer" registration. The specific method is that during the trading of the stock housing, the buyer's loan bank may apply for the registration of the real estate transfer preview and mortgage forecast registration with both the buyer and the seller. The receipt of loan funds is handled simultaneously with transfer registration procedures. "Real estate transfer trailer registration, eliminate the seller's" one -bedroom and two sale "behavior, register for the mortgage of the real estate, and ensure that the buyer's loan bank will lend first. , Fully guarantee the interests of all parties. "The relevant person in charge of the Real Estate Registration Center of Taixing City said.

Xinhua Daily · Jiaojiao Reporter Liu Xia Shen Jiazheng

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