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Recently, the information release platform for stock housing in Daxing District of Beijing was officially launched and opened to citizens with second-hand housing buying and selling needs in Daxing District free of charge. In addition to Daxing District, in recent years, many places have launched related service platforms involving independent transactions of second-hand housing. Industry insiders believe that such platforms have advantages in the authenticity of listings, but they will not have too much impact on the intermediary market. The official second-hand housing information platform plays a role, and it needs multi-dimensional protection.
Recently, the information release platform for stock housing in Daxing District of Beijing was officially launched and opened to citizens with second-hand housing buying and selling needs in Daxing District free of charge.
What convenience will the official second-hand housing information platform provide to buyers and sellers? What impact might it have on the intermediary market? Will it be widely rolled out in the future? After the platform was launched, the issues related to it also became the focus of people's attention.
In the eyes of industry insiders, the official second-hand housing information platform has a natural advantage in the authenticity of the listing. However, information display is only the front-end of second-hand housing transactions, and a series of subsequent professional matters may still require intermediaries to provide services. The official platform also relies on multi-dimensional institutional guarantees to play a role.
Guaranteeing the authenticity of your listing is the biggest advantage
The reporter browsed the Daxing District stock housing information release platform and found that the platform integrates functions such as housing release, map house search, and online message, and the seller needs to pass the "Beijing Pass" real-name authentication before uploading housing information.
The relevant person in charge of the Beijing Daxing District Housing and Construction Committee told reporters that the housing ownership information of all listings will only be released to the public after it is automatically reviewed by the system to ensure that the ownership of the housing is true and the house can be sold. "Ensuring the authenticity of your listings is the biggest advantage of the platform."
Truthfulness and transparency of information is the first step in honest transactions of second-hand housing. The official second-hand housing information platform has done a good job of preliminary protection for transactions, providing a cornerstone of trust for buyers and sellers.
After the buyer finds a satisfactory listing, it also needs to go through the real-name authentication of "Beijing Pass" before leaving a message to the seller on the platform. After reaching a consensus, both parties can go directly to the real estate transaction service center to handle the housing transaction, or choose any brokerage service agency to handle the transaction, or log in to the online office service platform in the field of real estate registration to handle the housing transaction online.
The above platform is not the first attempt by the government to promote the independent trading of second-hand housing. In recent years, Shanghai, Shenzhen, Shandong, Henan and other places have launched relevant service platforms involving independent transactions of second-hand housing.
In June 2021, the official website of Shenzhen Housing and Urban-Rural Development Bureau launched the "second-hand housing trading system", whose functions include "self-service house selling"; In August of the same year, the Hangzhou second-hand housing transaction supervision service platform officially launched the function of "individual independent listing of housing", allowing homeowners to publish listings in their personal name; In May 6, Shandong launched "Qilu Jiayuan", where buyers and sellers can negotiate prices through the platform.
Zhao Xiuchi, vice president and secretary general of the Beijing Real Estate Law Society, believes that the government's launch of the stock housing information release platform can be regarded as a measure to promote the direct sale of second-hand housing. This allows both parties to the transaction to no longer worry about fake listings and transaction traps, and at the same time helps to ensure the consistency of transaction prices, prevent tax losses, and has positive significance for reducing transaction costs, improving transaction efficiency, and activating the second-hand housing market.
It aims to enrich information channels rather than disintermediate
The reporter compared the official second-hand housing information platform and the intermediary platform in various places and found that compared with the market intermediary platform, "direct" is a major feature of the official platform. If the buyer wants to consult or view the property, there is no need to contact the intermediary first, but instead click the online communication button, you can leave a message to the seller and get in touch with the seller directly.
"If you have the qualification to buy a house, you can view the house on site during the May Day holiday." The reporter left a message on an official second-hand housing information platform to inquire about the housing situation, and soon received a reply from the seller.
However, in terms of listing information, the more mature marketplace intermediary platform is obviously richer. The platform not only has detailed information such as the proportion of ladder households, property introduction, and surrounding facilities, but also can view houses online more intuitively through VR, and can calculate the down payment price, making the service more perfect.
When asked if they were worried about the impact of the official second-hand housing information platform on the intermediary industry, a number of real estate agents said that they were not so worried, and they emphasized the word "service". An agent told reporters: "To give a simple example, if you want to sell a house, but now you are on a business trip, can you take the buyer to see the house?" Will a constant call affect your work? The intermediary will integrate resources and provide 'one-stop' services with viewing and transfer, making it more convenient for both buyers and sellers. ”
"The official second-hand housing information platform has the government's credibility as a guarantee and has natural advantages, but housing sales are not only information release, but also involve a series of links such as follow-up house viewing, signing, online signing, capital depository, tax payment and transfer." Yan Yuejin, research director of E-House Research Institute, believes that real estate agencies, as a product of the market, must have professional advantages in years of accumulation and can assist both parties to complete the entire purchase and sale process.
The relevant person in charge of the Daxing District Housing and Construction Committee also said: "The stock housing information release platform is a public welfare platform to broaden the information channels of second-hand housing transactions, aiming to solve the problem of a single information channel for the masses in second-hand housing transactions, rather than disintermediation." ”
To play a role, multi-dimensional guarantees are required
At present, the Daxing District stock housing information release platform is in the trial operation of the stage of soliciting housing, and the number of listings needs to be increased. The reporter looked for other second-hand housing information platforms and found that in the same area, the number of listings released by official information platforms was significantly less than that of intermediary platforms.
Zhang Bo, president of the 58 Anjuke Research Institute, told reporters that from the previous practice, the proportion of hand-in-hand transactions through official platforms in second-hand housing transactions is not high.
For the reasons for this phenomenon, Zhang Bo analyzed: first, the complexity of real estate transactions themselves is high, all-round risk control is required, and the degree of dependence on intermediaries is high; Second, the number of listings on the official information platform is generally small, which cannot effectively meet the buyer's purchase needs.
The reporter contacted a homeowner through the official second-hand housing information platform and asked about his experience of using the platform. He said that the listing has been released for 3 days, and no buyer has contacted him through the platform, and has previously published listing information on other intermediary platforms. "I'm not sure which platform will eventually sell the information it will be released through, but there is always one more way."
What is the outlook for the official second-hand housing information platform that is still in the growth stage? In this regard, Yan Yuejin believes that such platforms do meet some transaction needs, and the follow-up operation depends on whether some new opportunities can be found, expand public awareness, and complement the traditional intermediary model.
Zhang Bo said that in general, with the realization of unified real estate registration, the role of the official second-hand housing information platform will become more and more important in the future, especially in ensuring the comprehensiveness and authenticity of housing information. However, achieving real transaction prices and transaction security depends on more technical support. In particular, how to achieve multi-dimensional guarantees such as transaction fund security and information security through departmental coordination and effective docking with the financial system needs to be continuously explored.
Shi Binna