Chinanews.com, January 5th. According to the website of the Shenzhen Municipal Bureau of Housing and Construction, six departments including the Shenzhen Municipal Bureau of Housing and Construction jointly issued the "Work Plan for Promoting Second-Hand Housing "Transfer with Debt" Mode in Shenzhen" on the 5th. announcement of.
According to the "Proposal", in the transaction of second-hand housing, if the seller has not paid off the loan and the mortgage has not been released, and the buyer also needs to use the loan to purchase the house, the buyer and the seller can choose the "transfer with mortgage" mode of the second-hand housing.
The "Proposal" proposes that in the process of "transfer with mortgage" of second-hand housing, through the implementation of various modes such as "sequential mortgage", second-hand housing transfer and mortgage "double notice registration", the business process will be optimized to achieve more efficient and efficient second-hand housing transactions. convenient.
In the process of second-hand housing transactions, buyers and sellers can choose to apply the "transfer with mortgage" mode of second-hand housing, and the real estate transaction must meet the conditions that there is no other mortgage other than the original bank loan mortgage.
The "Plan" requires that, in terms of the scope of the pilot program, first try to promote the buyer's one-time payment or the "transfer with mortgage" of the second-hand housing where the buyer and seller's loan bank is the same bank, and then gradually promote it to the buyer and seller's loan bank. Mortgage transfer" business.
The "Plan" clarifies the specific procedures of the two modes of "sequential mortgage" and "double notice registration", and encourages active exploration of other modes to accumulate experience for the comprehensive promotion of second-hand housing "transfer with mortgage".
(1) "Sequential Mortgage" handling process
1. The buyer and the seller reach a transaction intention and sign a second-hand housing sales contract.
2. The buyer and the seller go through the fund supervision procedures in the selected fund supervision institutions (such as banks and notary institutions), and supervise the buyer's purchase price (including down payment and bank loan).
At the same time, the buyer applies for a loan from the bank.
3. After the buyer's loan is approved, both the buyer and the seller and the lending bank jointly apply online for "transfer registration + mortgage change registration + mortgage establishment registration" to be processed together, and a new mortgage is established in sequence.
4. The real estate registration department, according to the application of the buyer and seller and the lending bank of the buyer and seller, simultaneously completes the three registration items, records the real estate register, and pushes the mortgage registration electronic certificate to the buyer's lending bank.
5. The buyer's loan bank grants the loan according to the mortgage registration certificate pushed by the real estate registration department. If the provident fund loan is involved, the provident fund management department will confirm the loan and issue the loan according to the operation process.
The fund supervisory agency repays the principal and interest of the seller's bank loan with the house purchase funds in the supervisory account, and settles the loan.
6. After the seller's loan bank settles the loan, it submits the mortgage cancellation application online, and the mortgage right of the buyer's loan bank will move forward accordingly, that is, it will be upgraded from the second to the first mortgage.
7. The fund supervision agency transfers the balance of the fund supervision account to the seller.
(2) "Double notice registration" process
1. After the buyer and seller reach a transaction intention and sign a second-hand housing sales contract, the buyer applies for a loan from the bank.
2. After the buyer's loan is approved, the buyer's loan bank, together with the buyer and the seller, applies online for the pre-registration of second-hand house transfer and mortgage pre-registration.
3. The real estate registration department completes the review of the "double notice registration" business according to the application of the buyer's loan bank and the buyer and seller, records the real estate register, and pushes the electronic certificate of mortgage notice registration to the buyer's loan bank.
4. The buyer's loan bank will release the loan in full according to the results of the mortgage pre-registration. If the provident fund loan is involved, the provident fund management department will confirm the loan and follow the operation process.
The buyer's down payment and bank loan are directly deposited into the fund deposit and withdrawal account agreed by the buyer and the seller in the deposit and withdrawal agreement for supervision.
The notary agency issues the relevant materials and delivers them to the buyer's loan bank, the buyer and the seller.
5. After the house purchase money is deposited into the deposit and withdrawal account, both the buyer and the seller and the buyer's loan bank shall apply to the real estate registration department for registration of double notice registration and transfer of capital.
6. After the real estate transfer registration is completed, the depository institution will repay the principal and interest of the seller's bank loan with the purchase money in the deposit account, and settle the loan.
The seller’s loan bank submits the mortgage cancellation application online, and the real estate registration department reviews it online. The seller can also submit the mortgage cancellation application and the bank confirms the application online.
If the real estate transfer registration cannot be completed, the depository agency will return the purchase money in the deposit account to the buyer's loan bank and the buyer himself.
When the buyer makes a one-time payment and the buyer's down payment exceeds the seller's original arrears, if the second-hand housing "transfer with mortgage" mode is selected, the "sequential mortgage" and "double notice registration" procedures can also be applied.
(China New Finance and Economics)
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