Many places promote second-hand housing "transfer with mortgage" Experts say that it is convenient to trade without forgetting risks

　　Our reporter Peng Yan

　　The progress of second-hand housing "transfer with mortgage" has attracted the attention of the industry.

Since the beginning of this year, the policy has entered a new stage of full rollout from individual trials.

　　A reporter from "Securities Daily" recently investigated the actual implementation of the "transfer with mortgage" policy in some cities. According to the feedback from banks in various places, both buyers and sellers agree with this policy.

"Since the launch of the 'transfer with mortgage' business, customers have come to inquire and apply for it one after another," staff from several banks told reporters.

　　Since last year, some cities have taken the lead in introducing the policy of "transferring ownership with mortgage" for second-hand housing, and many cities across the country have followed suit.

Since the beginning of this year, the number of cities that have introduced the policy of "transfer with mortgage" for second-hand housing is rapidly increasing.

　　According to the reporter’s incomplete statistics, after Jinan, Shenzhen, Nanjing, Suzhou, Xi’an, Nanchang and other places have followed up, Changsha, Zhengzhou and other places have also recently expressed that they are studying the policy of “transfer with mortgage” for second-hand housing.

　　The "Securities Daily" reporter found in the investigation that the current "transfer with mortgage" model has been widely promoted in actual operation.

The reporter learned from the bank staff in the above-mentioned cities that related policies such as "transfer with custody" are the focus of recent customer inquiries, and the bank has handled many transactions of this business.

　　In Jinan, where the policy was first launched, staff at some local bank branches told reporters that the bank has already started handling this business, and that there are more customers who have recently come to the outlets to handle the "transfer with mortgage" business of second-hand houses.

　　"The 'transfer with mortgage' business has a positive effect that cannot be ignored for buyers, sellers, or the entire market." A personal loan officer of a branch of a large state-owned bank said that "transfer with mortgage" not only reduces the process for sellers, but also saves money. In addition to direct effects such as costs, it also helps buyers reduce transaction costs, and buyers do not need to raise additional funds to make advance payments.

　　Guan Rongxue, a senior analyst at the Zhuge Housing Data Research Center, told a reporter from the Securities Daily that the "transfer with mortgage" model has reduced transaction costs for the real estate market, improved the efficiency of second-hand housing transactions, and improved the liquidity of the second-hand housing market. , which plays an important role in boosting market activity.

　　Wang Qing, Chief Macro Analyst of Oriental Jincheng, said in an interview with a reporter from "Securities Daily" that the implementation of the "transfer with mortgage" policy is mainly to facilitate the transaction of second-hand housing, and will also expand the market demand for new commercial housing. , it is possible to purchase other second-hand housing, or to enter the new housing market.

For the citizens, "transfer with mortgage" simplifies the second-hand housing transaction process and shortens the transaction time, especially eliminating the seller's process of raising money to repay the mortgage, and also eliminating the buyer's worries about paying funds in advance.

　　"The second-hand housing 'transfer with mortgage' model is becoming an important measure to boost housing consumption. Considering that the property market is still operating at a low level since the beginning of the year, with an eye on boosting market demand, more cities will follow suit in the future." Wang Qing said .

　　According to the statistics of the Middle Finger Research Institute, after Jinan first launched the second-hand housing "transfer with mortgage" transaction mode in August 2022, more than 60 cities have followed up. It is expected that this model can be used as an optimization method for second-hand housing transactions in the future. Nationwide promotion.

　　It is worth noting that while "transfer with mortgage" brings convenience to transactions, it also creates risk points worth noting.

　　Wang Qing said, first of all, for house sellers, "transfer with mortgage" means selling a second-hand house without paying off the mortgage, but it does not mean that the seller is exempted from the responsibility of repaying the mortgage-if the proceeds from selling the second-hand house are not enough to repay Mortgages, home sellers need to raise funds through other means.

For house buyers, "transfer with mortgage" reduces the risk of fund advances during the transaction process, but it is still necessary to pay attention to whether there are clauses such as restrictions on transactions in the second-hand house itself.

Finally, "transfer with deposit" often involves a financial guarantee agency and requires a new contract.

All relevant parties should carefully check the specific terms of the contract to prevent new risks in the process of concluding a new contract.

(Securities Daily)