Hello, Landlord

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< pre id="best-content-2738292189" accuse="aContent" class="best-text mb-1" style="margin-top:1px; margin-bottom:1px; padding:px; Font-family:' ping Fang SC',' Lanting Hei SC',' Microsoft Yahei', Arial, Song Ti, sans-serif, tahoma; white-space:pre-wrap; word-wrap:break-word; font-size:16px; line-height:29px; color:#333333; background-color:#FFFFFF; min-height:55px;" > 1. For the supervision of second-hand housing transaction funds, the buyer and the seller should choose the same custodian bank and open personal accounts in the selected custodian bank.

in order to enhance the security of real estate transaction funds, the funds in the supervision business of second-hand housing transaction funds in our city are deposited and transferred by bank transfer. Both buyers and sellers should choose the same custodian bank in advance and submit it to their personal accounts in this bank, so that no matter whether the buyer deposits the house payment into the "special account" or the custodian institution transfers the house payment from the "special account" to the seller's account after the transfer of property rights is completed, the transaction funds can be guaranteed to arrive in the account immediately. It avoids unnecessary troubles to both parties due to the long transfer time of transaction funds, and improves the timeliness and convenience of fund supervision business. Therefore, please understand it from our customers.

ii. the name of the account submitted to the fund custodian institution of the housing authority shall be the account of both parties of the property buyer and seller.

in the process of actually handling business, staff members have encountered the situation that the seller's account is not their own account. At present, personal accounts include bankcards in addition to passbooks, and some customers' bankcards are not signed on the back, so it is impossible to know who the owner is. When the account is finally transferred, the custodian bank finds that the name of the customer signed with the custody agreement is not the same person, so it is impossible to handle the transfer procedures, which not only causes inconvenience to the custodian institution and the custodian bank, but also directly affects the customers themselves. Therefore, when handling the supervision of second-hand housing transaction funds, please be sure to submit the accounts of the parties involved in the transaction.

3. Both parties to the transaction can use the original account of the corresponding custodian bank, but the account must be a local account.

some customers already have accounts in the corresponding custody bank in advance, so they don't need to open new accounts when handling the custody business of second-hand housing transaction funds. However, the accounts submitted by both parties must be local accounts, and many non-bank staff sometimes can't tell whether they are local accounts from the accounts themselves, only at the final transfer stage and when the bank transfers funds. The "special account" of the custodian institution cannot be transferred from different places, resulting in the inability to transfer funds. Therefore, in order to ensure the timely arrival of the seller's funds, both parties to the transaction, especially the seller's customers, are reminded to submit local accounts when signing the fund custody agreement.

iv. if the house purchase price is paid by loan, the lending bank shall issue the loan in advance and deposit the loan into the designated special account for transaction settlement funds according to the relevant requirements of fund supervision.

in order to protect the interests of buyers and sellers to the greatest extent, the supervision of second-hand housing transaction funds in our city is fully funded. Except for a small deposit, the buyer should deposit all the house money in the "special account" of the custodian before going through the formalities of property right transfer. For those who need bank loans, the bank is required to lend money in advance accordingly. In order to ensure the safety of loans, banks can require guarantee institutions with guarantee qualifications to guarantee, which will generate certain guarantee fees. After providing guarantee for customers, the guarantee institution will assist customers to handle the formalities of property right transfer and real estate mortgage registration, and provide customers with more detailed and thoughtful services.

5. both parties to the transaction, especially the seller, should keep the passbook properly, do not give it to others, and do not disclose the password.

when handling the fund custody business of second-hand housing transactions, buyers and sellers will sign the Jinan Stock House Fund Custody Agreement with the fund custodian, and the buyer's deposit account and the seller's collection account will be agreed in advance. However, in the process of real estate transactions, some people will entrust intermediaries to act as agents throughout the process. At this time, some intermediaries will take the opportunity to open a passbook with the original seller's ID card and provide it to the fund custodian when signing the agreement. After the house payment arrives, they will not only be notified. In fact, there is no business relationship between the fund custodian and the intermediary company, and the Jinan Stock House Fund Custody Agreement signed between the buyer and the seller and the fund custodian has nothing to do with the intermediary. The fund custodian only transfers the house payment to the seller's account agreed in the Jinan Stock House Fund Custody Agreement when the transaction is completed. The staff of the housing management department reminded both parties to the transaction that in order to safeguard the interests of both buyers and sellers, when going to the housing management bureau to handle the fund custody business of the stock house transaction, please go through the relevant formalities in person with valid documents in accordance with the relevant requirements, and do not give important documents such as ID cards, bank cards and passbooks to others for safekeeping at will, and the passwords should not be leaked to avoid unnecessary losses. < /pre>

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