Sino-Singapore Jingwei Client, August 20th (Xue Yufei) Buying a house has to pay a large intermediary fee, and selling a house has to worry about whether the intermediary is reliable... Some chaos in the second-hand housing transaction market plagues landlords and buyers.
Recently, a measure in Hangzhou has provided a new way for housing transactions, which quickly aroused heated discussions.
On August 18, the second-hand housing transaction supervision service platform in charge of the Hangzhou Municipal Housing and Housing Management Bureau officially launched the "individual independent listing of housing" function.
To put it simply, the landlord does not need to find a real estate agency, and can directly display the listing on the platform, and the buyer can contact the landlord through the platform, and the two parties directly conduct the transaction.
Under this model, not only can it save tens of thousands of yuan or even more intermediary fees, but also the landlord and buyers can have direct contact. This makes some netizens very excited, and some people directly call for a nationwide promotion.
However, if you think about it further, you will find that without the participation of real estate agents, complex housing transactions may drive landlords and buyers "crazy".
For example, whether there is a problem with the property rights of the house, whether the house is mortgaged, how to apply for a bank loan, whether it is a haunted house, how to deposit funds, etc., all need professional help.
People from relevant government departments in Hangzhou also said that if the transaction process is complicated, it is recommended to conduct the transaction through a professional intermediary company.
Ensure that the real listing site is still relatively lagging
Data map: buildings.
Photo by Sino-Singapore Jingwei Wan Keyi
On the 18th, according to the Hangzhou Municipal Housing and Housing Management Bureau, the function of "individual independent listing of real estate" was officially launched on the "Hangzhou Second-hand Housing Transaction Supervision Service Platform", marking that Hangzhou's second-hand housing transaction has become more standardized, safer, and more secure. Convenient and more complete online official new channel.
The Hangzhou Municipal Housing and Housing Management Bureau stated that the online "individual independent listing of listings" function broke the traditional house sales model that relied on intermediaries and improved the asymmetric housing information between buyers and sellers and intermediaries in the process of second-hand housing transactions.
Source: Website of Hangzhou Housing and Housing Management Bureau
To this end, the Sino-Singapore Jingwei client had an experience on the second-hand housing transaction supervision service platform in Hangzhou on the morning of the 20th.
After clicking on the "Second-hand Housing Transaction Supervision Service" from the official website of the Hangzhou Municipal Housing and Housing Administration Bureau, you will enter the platform, and then click on "Properties Listing" and "Personal Independent Listing Listings" to register individual users.
When registering, users need to fill in their real name, ID number, mobile phone number and mobile phone verification code.
After completing the real-name registration, you can use the "personal independent listing" function to fill in the housing object information, housing ownership status and basic information of the right holder online, and complete the independent listing of the house.
For home buyers, after real-name registration on the platform, they can inquire about personal self-listed houses and entrusted brokers in the column of "Public listings".
Filter the price, area, house type, urban area and other conditions according to individual actual needs, and lock the favorite housing.
The Hangzhou Municipal Housing and Housing Management Bureau emphasized that all houses published on the platform have been verified by the housing management department, and have a unique unified housing verification code and two-dimensional code. The transaction is based on the code to ensure that the property rights are true, legal and valid.
In addition, the platform has newly set up a user identity intelligent classification function, which realizes that personal independent listing of housing information is only available to personal real-name authentication users, and brokers cannot view it, preventing information leakage and preventing harassment.
However, when the Sino-Singapore Jingwei client experienced the website, the system was quite lagging, and the experience was still a certain distance from the mainstream real estate trading platform.
As some webpages cannot be opened all the time, and the current number of personal listings cannot be seen. According to the China Securities Journal, the platform has been online in only one day, and there have been 162 sets of independent listings of personal listings on the Internet.
Skip the broker and save tens of thousands of yuan in agency fees?
Source: Sina Weibo
As soon as the "personal independent listing of real estate" function was launched, it attracted attention.
Some netizens said that with the current Internet technology, it is entirely possible for the housing management department to develop a window for buyers and sellers to trade second-hand housing. This is the future trend.
Some netizens also said that second-hand housing transactions are completely handled by the housing management department, which can save the common people a lot of costs, and is more credible and more secure.
A real estate agent in Hangzhou introduced to the Sino-Singapore Jingwei client that the current second-hand housing agency fee in Hangzhou is: the total house price is less than 1 million yuan, and the landlord and the buyer each charge 1.5% of the house price; the total house price exceeds 1 million yuan. Yuan, the landlord and the buyer are each charged 1% of the house price.
Based on a set of 3 million yuan of house calculation, if the transaction is made on this platform, it means that 60,000 yuan of intermediary fees can be saved.
Relevant departments in Hangzhou responded to the original intention of launching the function of "individual independent listing of real estate".
On the 19th, Hu Pingli, Chief of the Real Estate Market Section of the Hangzhou Real Estate Market Comprehensive Management Service Center, said in an interview with Qianjiang Evening News: "Our main purpose of this move is to facilitate the people and provide a brand new sales channel for individual landlords to sell
their houses
.
Landlords can sell their houses. While the source is linked to our platform, it is also linked to the intermediary to increase the chance of transaction.
"
However, anyone who has experience in buying and selling second-hand houses knows that a house transaction is more than just providing a listing information, there are many processes behind it.
A netizen said: “Do you want to transfer and pay for the house yourself? Without a third-party monitoring account, who would dare to send hundreds of thousands or millions of money to the landlord? It’s impossible for the landlord to transfer the house to you first. Collect money again."
"
If it involves professional services such as mortgage loans and property rights investigation, it is not possible to bypass the intermediary at present." Hu Pingli said frankly, if the buyer and the seller have negotiated the house price, and the property rights are clear and there is no loan demand, through "landlord direct sales" The model can indeed save an intermediary fee.
Buyers and sellers can go directly to the Real Estate Registration Center to go through the online signing and transfer procedures, which is very convenient.
However, if the transaction process is complicated, it is recommended to go through a professional intermediary company.
She also revealed that the platform will consider setting up a fund supervision account to resolve the worries of buyers and sellers.
Is the intermediary going to tremble?
The housing management department builds a housing release platform, and the landlord and the purchaser conduct their own transactions. Hangzhou is not the first.
In May 2020, Henan Yongcheng banned a group of real estate "black intermediaries" and prohibited the release of housing information on real estate trading platforms.
At that time, the commercial housing online signing center established by the municipal government became the only formal real estate transaction platform in Yongcheng, but a 1% service fee was charged for transactions through the online signing center.
In June of this year, the Shenzhen Municipal Bureau of Housing and Urban-Rural Development launched the "Second-hand Housing Transaction System" on its official website, but it was removed after a few hours.
It is reported that the system includes three sections: "I want an agent to buy a house", "I want an agent to sell a house", and "I want to sell a house by myself". Among them, "I want to sell a house by myself" also sparked discussions about whether to "cancel the intermediary".
Yan Yuejin, research director of the Think Tank Center of E-House Research Institute, told the Sino-Singapore Jingwei Client that the new measures in Hangzhou meant "disintermediation", or made up for some of the shortcomings of real estate agency services.
In the current national second-hand housing transactions, about 85% of the transactions are completed by intermediaries. The proportion of landlords and home buyers who conduct independent transactions is not high, and because there is no platform support, independent transactions are very risky.
The establishment of a direct sales platform in Hangzhou can increase the proportion of direct transactions and increase more choices for landlords and home buyers.
Yang Xianling, the founder of the Blank Research Institute, agrees that Hangzhou’s approach is to provide landlords with a new option and increase listing channels. However, “only when the platform has traffic can it be established. If there is no traffic, it has no meaning for the landlord. "The
reason why landlord direct sales has no market space in China is because the landlord’s expectation is always to sell high, and the listing price generally obviously exceeds the actual transaction price. Under normal market conditions, the bargaining rate will reach about 5%. In the downward market Will reach 5-10%.
Based on this, the buyer must go through a lot of inspections and comparisons, and with the help of a broker, negotiate a price reduction between the two parties.
Even in mature developed countries, even in housing transactions between relatives and friends, brokers are mostly entrusted, because direct negotiation between individuals is not efficient.
Yang Xianling also said that with the increasing development of the Internet and the ever-increasing degree of information symmetry, the intermediary penetration rate will not only not decline, but will increase.
Today, the intermediary penetration rate in first-tier cities has reached over 85%, and it has been increasing year by year. The reason is that transaction complexity has increased and the proportion of house swaps has increased. A transaction may involve five or six buyers or sellers. A chain of transactions is complicated. You, you have me, there is no possibility of "direct sales".
In terms of the complexity of second-hand housing transactions, Guo Yi, chief analyst of Heshuo Institution, conducted an analysis.
She said that the Hangzhou second-hand housing transaction supervision service platform will verify the authenticity of the housing itself and the information of the owner, but the housing information does not stop there. The housing loan and mortgage information, whether it is renting, whether it has an account, etc. are also related. To the judgment of the value of real estate, and these are not fully understood by buyers.
In addition, after finding a suitable house, you have to go through a series of complex processes such as house viewing, house selection, price negotiation, signing, transfer, loan, and delivery. Only professional institutions can assist in completing these transaction links.
Therefore, real estate agents are still irreplaceable.
(Zhongxin Jingwei APP)
All rights reserved by Sino-Singapore Jingwei. Without written authorization, no unit or individual may reprint, extract and use it in other ways.