Putian City ’s first“ Temporary Express ”second -hand housing loan to account

"I did not expect to be transferred to transfer without waiting for the mortgage to settle. In just two working days, I completed the investment from the application to the loan. The speed does not need to run back and forth, saving a lot of trouble." On September 26, as China, as China, as China The loan issued by the Putian Branch of Construction Bank, Mr. Qiu became the first beneficiary of Putian's second -hand housing "bringing transfer" registration and mortgage business.

In order to promote a virtuous cycle and healthy development of the real estate market, Putian Natural Resources Bureau cooperated with China Construction Bank to launch a new work mechanism for second -hand housing "withdrawal" registration: if there is a mortgaged real estate listing transaction, the seller does not need to repay or paid in advance or paid to pay in advance Fund can also be transferred, re -mortgaged and obtained new housing loans.

It is understood that in the past, when the second -hand housing was traded, if the seller had mortgage loans, the property was needed to be removed first before the transfer was required. In the process, buyers and sellers need to run back and forth between real estate registration agencies and banks. Especially for sellers with improving housing demand, they must sell the house, pay off the home loan with the sale of the house, and then improve the property. During this time, it involves the listing transaction cycle and the transfer cycle of the transfer, which greatly limits the market's liquidity.

After the implementation of the "transfer", the masses only need to "enter one window, submit a set of materials, and handle a business", that is, the buyer and sellers do not need to run multiple times, apply for transfer registration and mortgage registration at one time in the real estate registration window. The "one thing for second -hand housing transfer registration" integrated package service, and handle the transfer of accounts such as water, electricity, gas, maintenance funds, radio and television networks, and provident fund withdrawal registration procedures. The seller can get a house purchase payment on the day of the transfer registration, settle the loan of the original bank, and achieve seamless connection of loan approval, mortgage loan and second -hand house transfer registration, and mortgage cancellation.

According to reports, take the opportunity to first try the "transferred transfer" second -hand housing transfer. "Households" have become the new normal of the second -hand housing trading market.

(Source: Fujian Daily Client Reporter: Lin Jianbo Correspondent: Zhang Buxiong Lin Chunhua Editor: Huang Bin)

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