1. Online real estate opens a special deposit account for customer transaction settlement funds in our bank. Deposits and transfers of customers' transaction settlement funds shall be made through the special deposit account for transaction settlement funds, and shall be subject to the supervision of the bank in accordance with the Shanghai Stock House Transaction Settlement Fund Transfer Cooperation Agreement (hereinafter referred to as the Supervision Agreement). If the customer has mortgage demand, we will provide mortgage service for the customer and put the mortgage into the special account for supervision.

Note: The approved loan amount is less than the amount declared by the sub-branch, and there is no need to re-sign the online fund supervision agreement for second-hand houses.

2. According to the description of online real estate, a sub-account is set up in the special account for transaction settlement funds for each transaction.

3. Customers can voluntarily choose loan fund supervision or full payment (down payment and loan) fund supervision. The down payment shall be deposited into the supervision account before the transaction transfer, and the loan shall be paid to the supervision account with the receipt of mortgage registration of the trading center.

4. Transfer the supervision funds of the buyer to the supervision account designated by Shanghai Real Estate Trading Center according to the transfer instruction sent by the online real estate to our bank (the down payment shall be paid after the mortgage registration acceptance form is completed; The transfer of loan funds must be carried out after the completion of other certificates.

5. When the transaction is not completed, transfer the down payment to the original transfer account of the buyer by transfer; Deposit in cash and transfer to the personal bank settlement account of the purchaser. The loan funds are transferred by the loan bank, and the loan interest is borne by the corresponding responsible person agreed in the supervision agreement, and the loan is settled in advance. No cash may be withdrawn from the special deposit account for customer's transaction settlement funds.

(Answer time: 2023 165438+ 10/4)

The above contents are for your reference. Please refer to the actual business regulations.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.