Second-hand housing "transfer with escort" starts full moon, and few successful early adopters are available
The affordable real landing is still a few steps away
Reporter Lu Yang
On March 3, the city announced the launch of the second-hand housing transaction "transfer with mortgage", the owner does not need to settle the previous loan when selling the house, can handle the housing transfer registration, thus eliminating the original mortgage release step, saving time and effort. However, more than a month has passed, and few buyers have successfully tried the "transfer with escort".
The reporter's investigation found that among them, in addition to the low enthusiasm of brokers, the handling process of most banks is not clear. Buyers hope that the relevant departments can clarify the specific process and rules as soon as possible, so that the benefits of "transfer with charge" can be truly implemented.
Buying a house in April did not use the "transfer with escort"
"Such a good policy was not introduced by the intermediary before signing the contract." Ms. Tang, a citizen, recently bought a second-hand house in Fengtai District, because the seller needs to unmortgage and then transfer, the house sales cycle is relatively long, "After completing the online signature at the end of April, I can only live in a new home in September, and I have to pay several months of rent." ”
Ms. Tang told reporters that she and the seller had asked the intermediary to speed up the transaction, but the intermediary never mentioned that it could handle the "transfer with charge". Later, when she learned about the new policy and asked the intermediary, the agent said: "No, the process is more complicated." ”
On May 5, the reporter visited an intermediary store in the Songjiazhuang area of Fengtai District, and the agent of the store said that they had not encountered a case of "transfer with escort". "This may be because not many people meet the conditions." The reason given by the broker is that the "transfer with charge" requires that the seller's outstanding loan must be a pure commercial loan, or a combination loan that has paid off part of the provident fund loan, "This condition has been brushed off many people." ”
Intermediaries recommend "bridge" loans
In the interview, the reporter found that even if the buyer and seller meet the conditions for handling the "transfer with charge", the intermediary still seems to be enthusiastic enough.
Recently, the reporter consulted the broker of an intermediary agency in the city as the owner, and when it was mentioned that the house sold still had the loan unpaid but the funds on hand were not enough, the broker first mentioned that they had a "bridge" loan business, which could provide funds to do the mortgage and save time. After that, the broker mentioned that the newly launched "transfer with charge", but the steps are cumbersome. According to the broker, at present, at least 11 steps are required to handle the "transfer with charge", including the owner applying for the transfer with charge and signing the relevant required documents and tripartite agreement, the mortgage bank issuing a letter agreeing to transfer with charge, the buyer's bank of the real estate to apply for a second credit, and the seller's bank to register the change of mortgage. At the same time, when handling the fund supervision business of "transfer with charge", it must be handled offline.
Of course, the "bridge" loan in the broker's mouth is charged, and if the loan is 1 month, it needs to be charged according to 2.2% of the "bridge" fund, and 100 million yuan is 2,2 yuan.
Some insiders said that the implementation of "transfer with charge" may affect the income of "bridge" loans, which may be one of the reasons for the low enthusiasm of intermediaries.
The public hopes that the implementation rules will be clarified as soon as possible
How motivated are banks to implement the "transfer with charge" model? The reporter learned that up to now, most banks have not issued specific procedures and rules for "transfer with charge", especially when interbank handling is involved.
A staff member of a branch of the Agricultural Bank of China said that it is possible to handle "transfer with escort", but this business is not yet mature, and if it needs to be handled across banks, it will have to wait for the specific rules to be implemented. The staff of the personal loan department of the Industrial and Commercial Bank of China said that the bank can currently do "transfer with mortgage", but there is still no specific internal handling process for the bank, and rules are still being formulated, and it needs to "cross the river by feeling the stones".
The staff of ICBC further explained that the buyer's full payment or loan to buy a house involves an inconsistent "transfer with mortgage" process, and the loan to buy a house is more complicated. In order to achieve "transfer with pledge", it is necessary to see whether the buyer's loan amount can cover the seller's loan principal and interest, and if it cannot be covered, the seller still needs to raise money to make up for it. In addition, if it involves inter-banking, two banks need to handle business for both buyers and sellers at the same time, and the time and funds need to be "right".
A banking practitioner also said that only when the specific process and implementation rules are clear, and a unified model agreement is implemented for all banks to refer to when handling interbank business, the conditions for batch handling of "transfer with charge" are qualified.
"Such a convenient policy for the people, I hope to land quickly!" Many families who plan to buy a house are looking forward to enjoying the benefits of "transfer with mortgage" as soon as possible. (Source: Beijing Daily)