Yangcheng Evening News reporter Dai Manman
A few days ago, it was reported that Guangzhou will promote second-hand housing "transfer with mortgage".
In this regard, a reporter from the Yangcheng Evening News has verified through multiple channels and learned that the Guangzhou Branch of the People's Bank of China has indeed issued a relevant notice to encourage the promotion of the "transfer with mortgage" policy for second-hand housing, but it will take time for the market to land.
or greatly simplify the transaction process
About a week ago, the Guangzhou Branch of the People's Bank of China issued the "Notice on Encouraging the Promotion of the "Transfer with Mortgage" Model of Second-hand Housing (hereinafter referred to as the "Notice").
The notice mentioned the significance of promoting the "transfer with mortgage" model of second-hand housing, and believed that compared with the original transaction model, "transfer with mortgage" can greatly shorten the transaction time, reduce transaction costs, and improve transaction efficiency and convenience; promote second-hand housing "" The "transfer with mortgage" model can indirectly speed up the sale of new houses while revitalizing second-hand housing transactions, form a mutual promotion between the newly built commercial housing market and the second-hand housing market, better meet rigid and improved housing needs, and promote a healthy real estate market. Circulation and healthy development.
Why is second-hand housing "transferring with mortgage"?
It can be simply understood that when a second-hand house with a mortgage loan is being traded, the owner can transfer, re-mortgage and issue a new housing loan without having to pay off the loan first.
Its core is to eliminate the "bridge" link of early loan repayment to cancel the mortgage registration, and realize the simultaneous processing of loan funds and property transfer registration, mortgage cancellation and establishment registration.
Li Yujia, chief researcher of the Guangdong Housing Policy Research Center, said that the most direct benefit of "transferring with mortgage" is that it eliminates the cost of redemption guarantees, greatly simplifies the transaction process, reduces the cost of credit information investigation, and shortens the transaction cycle. It is helpful for new citizens to buy houses, and it can also promote the increase in the demand for house replacement.
No practical case yet
Although the policy has been introduced for a week, the reporter learned from the visit that the "transfer with mortgage" of second-hand housing has not landed in Guangzhou.
When contacting a number of state-owned and joint-stock banks in Guangzhou for interviews, the heads of these institutions all said that there is no further action at present.
The reporter also consulted many intermediaries such as Lianjia and Yufeng as a customer, and the reply was that the current second-hand housing transaction procedures have not changed significantly. Keep trading.
"In the transaction with customers, the transaction process of second-hand houses has not changed." The agent of a real estate agency located near Tianfu Road in Tianhe District said that he verified the situation with the company and the mortgage agency after seeing the relevant information. , as of September 21, there has been no actual operation case of "transfer with mortgage".
Why has the policy been issued but not yet implemented?
Some state-owned bankers responded that after the policy is introduced, it needs to go through prudent research and demonstration, form feasible suggestions based on the actual local conditions, and reach consensus and common methods among the same industry before it can truly be implemented.
The reporter learned that if the second-hand housing buyers and sellers have mortgage loans in the same bank, the bank has opened up the "context", and "transfer with mortgage" is practical.
"If the two parties to the transaction are inter-bank mortgage loans, then there is the problem of how to connect the seller's 'transfer with mortgage' and the buyer's 'loan and repay the old', which requires further discussion on the specific operation method." The above-mentioned bank source said.
According to the content of the notice, the central sub-branches of the People's Bank of China will actively put forward suggestions to local governments to promote second-hand housing "transfer with mortgage" under the framework of city-specific policies, and cooperate with relevant departments to do a good job in system formulation and policy publicity; in the promotion of second-hand housing In the process of "transferring with mortgage", the practice should be summarized in a timely manner to form a replicable and generalizable experience.
In this regard, some real estate agents said that the "transfer with mortgage" model may also be the first to be piloted in eastern Guangdong, western Guangdong, northern Guangdong and other places. Guangzhou, as a regional center, has more factors to consider when implementing this policy, and the implementation time may be delayed.
There have been many attempts to "transfer the account with deposit"
Judging from the current public information, the new registration model of second-hand housing "transfer with mortgage" is the first in Jinan.
On August 17, the Jinan Municipal Bureau of Natural Resources and Planning, in collaboration with the Municipal Housing Provident Fund Center, banks, notaries and other institutions, actively explored for nearly half a year, and innovatively launched a new registration model of "transfer with mortgage" for second-hand housing for the first time in the country.
Statistics from the Central Plains Real Estate Research Institute show that more than 10 cities across the country have announced to try or land second-hand housing "transfer with mortgage", including Jinan, Nanjing, Suzhou, Kunming, Jinhua, Zhuhai, Hainan, Fuzhou, Xi'an, etc.
It is worth noting that the notice also proposes that the promotion of "transfer with mortgage" should take into account both convenience and financial security.
In view of the risk that the bank's mortgage right will be lost and the transaction not finalized due to the risk of "transferring with mortgage" of second-hand housing across banks, third-party institutions such as notarization or guarantee can be introduced to ensure the safety of funds and prevent and control business risks.
Li Yujia said that the legal authority and independence of the notary office can eliminate the concerns of all parties about risks. For example, the seller can't get the money but closes the account, buys the house and gives the money but can't collect the house, and the bank is worried that the transaction has been transferred but The original creditor's rights cannot be guaranteed, etc.
"There are already notaries that integrate the seller's loan or the buyer's advance, repaying the bank loan, releasing the mortgage, handling the transaction transfer, and the buyer re-establishing the mortgage." Li Yujia said.
It is reported that Shenzhen Pingshan launched the second-hand housing transaction model of “notarized withdrawal + foreclosure-free building with mortgage transfer” on September 1. Before the transaction is completed, all funds will be supervised by the notary office’s special account for withdrawal and deposit.
The funds first enter the notary's supervised account and then go through the transfer procedures to ensure that the owner can receive the purchase price after the property is transferred; after the property is transferred, the notary will pay the owner the funds to ensure that the buyer can get the property smoothly after paying.