More than 15 prefectures and cities in 100 provinces have carried out pilot projects, and so far more than 1,3 transactions have been handled
"Transfer with escort", convenient for the people and benefit enterprises new services (financial eye)
Buying and selling second-hand houses with loans, because there are procedures such as early repayment and cancellation of mortgage registration, not only the transaction time is prolonged, but the risk and transaction cost are also increased, which has become a major pain point in real estate registration.
On the basis of some local practices, the Ministry of Natural Resources and the China Banking and Insurance Regulatory Commission recently issued the Notice on Coordinating the "Transfer with Mortgage" of Real Estate to Facilitate the People and Benefit Enterprises, deepening the cooperation between real estate registration and financial convenience for the people and enterprises, coordinating the "transfer with mortgage" of real estate, further improving the level of facilitation services, reducing institutional transaction costs, and helping economic and social development.
How effective is this measure? What kind of convenience has it brought to the masses? The reporter conducted an interview.
Re-engineer the registration process to save transaction time, reduce transaction difficulty and cost
"The bank needs to apply for early repayment, and the mortgage must be cancelled, and then the house can be sold, and the house we fancy will not know if it is still there." During this time, Mr. Li, a resident of Yancheng City, Jiangsu Province, who wanted to change houses, had some difficulties, and was always hesitant to spend money to find an intermediary to advance funds to repay the loan.
The house where Mr. Li now lives was bought by the couple after their marriage and hard work. With the improvement of living standards, the couple decided to buy an improved house in the "small house for large house" method. The problem also arises, the house still has hundreds of thousands of yuan of bank loans unsettled, which means that the replacement process and difficulty have greatly increased.
When he was worried, the new policy of "transfer with mortgage" of real estate helped Mr. Li to relieve the siege, and he no longer needed to repay the loan in advance to sell and transfer the house.
"After the reform of 'transfer with charge', it can greatly save the transaction time of real estate, reduce the difficulty and transaction cost of transactions, and effectively facilitate the masses of enterprises to do things." Zhao Yan, deputy director of the Natural Resources Rights Confirmation and Registration Bureau of the Ministry of Natural Resources, told reporters that the "transfer with mortgage" of real estate means that when the mortgaged real estate is registered, the procedures such as transfer, re-mortgage and new loan can be completed without the need to repay the old loan in advance and cancel the mortgage registration, so as to realize the effective connection between real estate registration and mortgage loan.
In March this year, Yancheng City explicitly required all financial institutions in the urban area that handle existing housing loan business to achieve full coverage of "transfer with mortgage". At present, 3 of the 22 commercial banks in Yancheng District that have started existing housing loan business have opened the "transfer with charge" service, including Yancheng Rural Commercial Bank, where Mr. Li handles housing loans.
"'Transfer with charge' solved our capital problem, the procedure is simple, one application can be completed, the buyer quickly bought the house, we also quickly sold the house, everyone does not need to wait any longer!" Mr. Li said.
Zhao Yan told reporters that before the implementation of the "transfer with charge" reform, when the mortgaged real estate is transferred for sale, it is necessary to first raise funds to repay the loan, handle the cancellation of the real estate mortgage, and then handle the transfer of real estate, apply for a new loan, and handle the registration of new mortgage, which not only has high transaction costs, long time, but also cumbersome and complex processes, which has become a difficulty, pain point, and blocking point for the masses of enterprises.
Xu Pei, deputy director of the Real Estate Registry Office of the Natural Resources Rights Confirmation and Registration Bureau of the Ministry of Natural Resources, said that after the implementation of the "mortgage transfer" of real estate, the real estate registration agency can complete the procedures such as transfer, re-mortgage and issuance of new loans, so as to realize the effective connection between real estate registration and mortgage loans, greatly saving transaction time and reducing transaction difficulty and cost.
According to statistics, after Shandong Jinan introduced the reform of "transfer with mortgage" for real estate, the processing time was reduced by nearly 10 working days, and the settlement was achieved in about 2 working days, and the average transaction cost of a single transaction was reduced from about 1,2 yuan to less than <>,<> yuan.
The advance notice registration system protects the security of transactions, and gradually promotes the full coverage and normalization of "transfer with charge" with points and areas
With the implementation of the "transfer with charge" policy, all localities have actively explored effective innovative measures in practice, continuously enriched and improved the handling mode, and improved the effectiveness of the policy, introducing advance notice registration in Jiangsu, Zhejiang, Chongqing, Jinan, Shenzhen and other places, and banks approving and issuing loans according to the results of advance notice registration, further improving the efficiency of loan approval.
"Is the mortgage registration complete? Do I still need to apply for the real estate title certificate with the bank? ”
"No need to run anymore, after the account, our system has automatically converted the mortgage advance registration submitted by the bank into a mortgage registration, the mortgage registration certificate has been pushed to the bank, now the bank should be reviewing, lending, soon you can receive the final payment."
On March 3, in front of the comprehensive window of the real estate registration center in Jiangjin District, Chongqing, Jiang Hong, a staff member of the acceptance department, completed the transfer for Mr. Xiao and Ms. Zhu, and the mortgage registration was also completed simultaneously, and a pre-notice "transfer with charge" business was completed in less than 20 minutes.
"In the past, buyers and sellers standing in front of the registration window would have been somewhat worried." Jiang Hong told reporters, "Before the transfer, the buyer will worry that the seller will not pay the down payment, or the seller will 'sell one room and two sales'." After closing, the seller will worry that the buyer will not apply for mortgage registration in time, resulting in his inability to receive the payment in time. ”
With the introduction of the advance notice registration system, the concerns of buyers and sellers have decreased. Jiang Hong said that as long as the advance notice registration is completed, without the consent of the buyer, the seller, Ms. Zhu, cannot dispose of the house at will. After the buyer, Mr. Xiao, announced the registration, he confidently and boldly paid the down payment to Ms. Zhu.
The reporter learned that from the time Ms. Zhu logged in to the "Yu Kuaiban" authorized bank to fill in the advance notice registration information, the whole process was paperless. Jiang Hong introduced that the Chongqing branch of the Agricultural Bank of China has been connected to the service port, and all the materials provided by Ms. Zhu are uploaded to the registration center by the Jiangjin branch of the Agricultural Bank of China through the service port, "The area, location and other data are automatically generated, which not only facilitates the masses of enterprises to do things, but also reduces the work burden of registration personnel, killing two birds with one stone!" ”
Up to now, 160 banks and other financial institutions and 1374,<> real estate brokerage institutions in Chongqing have been connected to the system, providing buyers and sellers with advance notice of "transfer with charge" declaration services, basically realizing the settlement of housing payments on the day of transfer, greatly reducing transaction costs.
"There is a basis for the practice of 'transfer with escort'." Zhao Yan introduced that all localities have promoted the "transfer with mortgage" of real estate by strengthening registration and financial coordination, optimizing handling processes, upgrading and transforming business systems, deepening information sharing, and direct system connection. At present, more than 15 prefectures and cities in 100 provinces have carried out the pilot project of "transfer with escort", handling more than 1,3 transactions, of which Tianjin, Shanxi, Shandong, Jiangsu, Zhejiang, Fujian, Hubei and other provinces have been fully carried out.
China Construction Bank and local real estate registration agencies jointly studied and explored a safe and feasible bank "mortgage transfer" housing loan model, so as to achieve a registration and financial cooperation model in which the transaction transfer of the house can be completed without the need to release the mortgage, and the loan approval and issuance can be completed. By the end of March, CCB had piloted the "mortgage transfer" loan business for individual retrading housing in more than 3 prefectures and cities across the country, and issued more than 100,4000 personal retransaction housing "mortgage transfer" loans.
Recently, the head office of China Construction Bank formulated the "Operation Guidelines for Comprehensive Services for Individual Retransaction Housing "Mortgage Transfer" Loans, combined with the pilot situation of the previous branches, and issued the Bank-wide Guidelines, clarifying the handling conditions, scope of application and loan elements of individual retransaction housing "mortgage transfer" loans, standardizing business processes and operations, and requiring the comprehensive promotion of personal retransaction housing "mortgage transfer" loan business.
The Ministry of Natural Resources and the China Banking and Insurance Regulatory Commission require that on the basis of the existing work, all localities should make in-depth explorations, actively do a good job in "transfer with charge" services, gradually achieve full coverage of geographical scope, financial institutions and real estate types, and carry out "transfer with charge" services on a regular basis.
Strengthen organization, prevent risks, and promote efficient and safe handling of "transfer with escort"
"Real estate registration is a basic public government service, which is related to the most common major property rights and interests of the enterprise public." Zhao Yan said that by strengthening the coordination of registration and finance, and promoting the "mortgage transfer" of real estate throughout the country, on the one hand, it can reduce institutional transaction costs, on the other hand, it can protect the rights and interests of buyers and sellers, mortgagors, mortgagees and other parties, and meet the needs of enterprises and the public for high-quality and efficient protection of property rights.
"Transfer with escort" not only brings worry-free experience, but also has the effect of saving money and benefiting the people. "CCB has saved me nearly 2,<> yuan in this new business." Mr. Gao, a citizen of Hefei, Anhui Province, originally planned to borrow bridge funds to settle the mortgage in advance, and after the "transfer with charge" went online, Mr. Gao no longer needed to pay high interest. For banks, "transfer with collateral" improves customer satisfaction, undertakes loans in a timely manner with the Bank, and also guarantees existing loans.
Real estate registration institutions in Anhui Province and CCB Anhui Branch continue to optimize in-depth cooperation in the field of "real estate + finance", make precise efforts from the aspect of system docking, promote the integration of registration and financial systems, and share data, and extend the real estate registration portal to CCB outlets with the help of the "one-window service" platform on the real estate registration website, so as to realize "one-time application processing" in all aspects of loan and registration at CCB branches.
In Wujiang District, Suzhou City, Jiangsu Province, the local Agricultural Bank strengthened communication with departments such as natural resources, development and reform, housing construction, financial supervision, and the People's Bank of China, accelerated the efficiency of loan review, and realized the smooth process of second-hand housing loan "mortgage transfer". At present, ABC Jiangsu Branch has implemented real estate "transfer with mortgage" services in seven places in Nanjing, Suzhou and Nantong in the province, and has handled nearly 600 "transfer with mortgage" with an amount of more than 5 million yuan.
In order to allow enterprises and the public to enjoy more convenient and safe services, the reform measures continue to deepen.
——Keeping the bottom line of "transfer with escort". Zhao Yan said that in the coordinated work of "mortgage transfer" of real estate, strengthening the organization and preventing risks is an important content. The Ministry of Natural Resources will guide local governments to establish a smooth communication and coordination mechanism, sort out risk points, formulate emergency plans, and realize closed supervision of the whole process. Effectively prevent risks by issuing protocol samples, risk warnings, business early warnings, and other methods.
The Beijing Banking and Insurance Regulatory Bureau, together with the Beijing Municipal Commission of Planning and Natural Resources, has established a special business platform to realize the network interconnection between real estate registration institutions and financial institutions, ensure timely and accurate information in the process of real estate transfer and mortgage, and realize the synchronous cessation and return of related businesses to ensure the safety of funds. In the next stage, the Beijing Banking and Insurance Regulatory Bureau and the Beijing Municipal Commission of Planning and Natural Resources will optimize business processes and improve the service experience of the masses based on the "difficulties and pain points" found in actual implementation.
-- Promoting the coordination and efficient handling of "transfer with escort". Zhou Lanling, director of the regulatory department of the China Banking and Insurance Regulatory Commission, said that it will further promote the integration of the registration financial system, optimize the work process, share information in real time, streamline the handling materials, and strive to achieve a seamless connection between registration, loan, loan and repayment, so as to effectively benefit the people and enterprises. Encourage the establishment of a loan coordination mechanism for cross-banking financial institutions, and further explore the "head-to-head" business and system docking methods of real estate registration institutions and banking and insurance regulatory institutions.
Not long ago, the Zhuhai Real Estate Registration Center and the Zhuhai Banking Association jointly held a work promotion meeting, planning to expand the types of mortgage transfer business to commercial and industrial real estate on a pilot basis, and include tax in the mortgage transfer business. Next, we will further standardize the interbank business process, improve the construction of the mutual trust system between the banking industry, and agree on a reasonable loan recovery time limit to promote the smooth progress of interbank business. (People's Daily reporter Chang Qin Zhao Zhanhui)