In order to further optimize the business environment and meet the urgent needs of the people, China will comprehensively promote the "mortgage transfer" of real estate in accordance with the clear requirements of the Civil Code.
Reporters learned from the news briefing held by the Ministry of Natural Resources and the China Banking and Insurance Regulatory Commission on the 30th that in order to implement the relevant requirements of the Party Central Committee and the State Council for a solid and stable economic package of policies and measures, further optimize the business environment, improve the level of facilitation services, reduce institutional transaction costs, and meet the people's high quality and efficiency of property rights. The Ministry of Natural Resources and the China Banking and Insurance Regulatory Commission issued the Notice on Coordinated Real Estate "Transfer with Mortgage" Services for the People and Enterprises, and made a comprehensive deployment for coordinated real estate "Transfer with Mortgage".
The two departments have made it clear that all localities should, on the basis of the existing work, carry out in-depth exploration, promote the whole area from point to point, and comprehensively promote the "transfer with mortgage" through "three expansions": promote provincial capitals and cities with separate plans to take the lead in realizing the transfer, and gradually expand it to other cities and counties; promote the same banking financial institution to take the lead in realizing the transfer, and gradually expand it to cross-banking financial institutions; Promote residential real estate to take the lead in realizing, and gradually expand to industrial, commercial and other types of real estate, and ultimately achieve full coverage of geographical scope, financial institutions and real estate types of "transfer with mortgage".
According to reports, at present, more than 100 cities in 15 provinces have carried out "transfer with custody", including Tianjin, Shanxi, Shandong, Jiangsu, Zhejiang, Fujian, Hubei and other provinces have been fully carried out. In practice and exploration, various localities have mainly formed the "transfer with mortgage" mode, such as mortgage combination, new and old mortgage segmentation, and mortgage change. "Transfer with deposit" greatly saves processing time, reduces institutional transaction costs, and can protect the rights and interests of buyers, sellers and banks, which has been unanimously recognized by enterprises and the masses.
The two departments require all localities to determine the appropriate management mode in light of local conditions. Especially when buyers and sellers are involved in the business of different lenders, all localities are encouraged to actively introduce advance notice registration, prevent "one house, two sales", prevent the risk of mortgage suspension, safeguard the legitimate rights and interests of all parties, and ensure financial security. Real estate registration agencies, banking and insurance regulatory agencies and banking financial institutions at all levels should strengthen the construction of business systems, promote the integration of registration financial systems, optimize work processes, share information in real time, strive to achieve seamless convergence of registration, loans, loans and repayments, and at the same time sort out the risk points of each link, formulate contingency plan and effectively prevent risks.
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