"Do you have to go through an agent to buy or sell a house? The fees are too expensive." "I want to contact the landlord myself to buy a house, but I'm afraid of being cheated." These questions are often found in various real estate forums. In the face of the pain points and difficulties in the independent transaction of second-hand housing, the relevant departments of various governments have also been receiving complaints and suggestions. Now, the Hangzhou Housing Security and Real Estate Administration (hereinafter referred to as "Hangzhou Housing Security and Housing Bureau") has become the first to eat crabs.
August 18, "Hangzhou second-hand housing transaction supervision service platform" official website officially on-line "personal independent listing listings" function. The Hangzhou Housing Bureau said that this marks the Hangzhou second-hand housing independent transactions have a more standardized, safer, more convenient, more perfect online official new channels.
The landlord can be in the Hangzhou Housing Bureau online platform independent listing, breaking the dependence on the intermediary of the second-hand housing transaction mode, the sale of second-hand housing can save 2% -3% brokerage fee. Once the news came out, on the evening of August 19, the Chinese stock shell plummeted about 15%. Head intermediary companies such as Chain Home and Centaline Real Estate said that this did not have much impact on intermediaries. Some industry insiders even pointed out that Beijing had introduced a similar practice in 2011, and Shanghai had even tried it earlier, but then nothing happened.
A senior industry insider said that Hangzhou's online "personal listing" function is a signal that barriers in the intermediary industry are being broken down: the offline intermediary model will face an unprecedented impact. First of all, the offline intermediary model has been developed for about 20 years, but also has been in the self-transformation, from a single store to the Shell housing platform, the intermediary industry, where to go next?
At the same time, the existence of the intermediary industry also occupies a large number of human resources, only the transaction flow continues to expand with the commission commission higher and higher in order to feed more and more people in this industry.
Now that the real estate industry has entered the deep water zone of regulation, the domino effect will appear in every detail, with the intermediary high commission status quo is broken, the offline model will naturally be subjected to a certain degree of dissolution, do not rule out that other cities will follow Hangzhou's practice.
Strengthening the supervision of the chain of second-hand housing transactions
August 19, the reporter interviewed some of the potential and already bought a house consumers, they believe that the official channels released by the source, can guarantee the authenticity of the source, but also "to avoid the intermediary to eat the price difference, monopolization of the source of the problems They believe that the official channels can guarantee the authenticity of the listings, and can "avoid the problems of intermediaries taking price differences and monopolizing the listings"; "buyers and sellers can save on the intermediary fees, so that the intermediary can return to the function of service. Consumers talk about intermediaries, most of them have inflated prices, high commissions and other impressions, almost overshadowed by the housing transactions in the process of intermediary services and hard work.
And the intermediary salesman, the mood is quite complicated. Although they believe that "most of the buyers are inexperienced, the platform provided by the government is difficult to influence the market," but at the same time also felt the impact, feel the need to have a change of mind to prepare. An intermediary store salesman pointed out that the second-hand housing transactions are very complex, including housing selection, bargaining, security, trading and other complex procedures, there are specialties, these processes the government can not replace all the intermediary to help buyers and sellers to complete; individuals also need to spend a lot of time and energy to complete the transaction.
"Individual listing" function improves the asymmetry of the information between buyers, sellers and intermediaries in the process of second-hand housing transactions, the platform not only guides buyers and sellers to carry out transactions in accordance with the standardized process of listing verification, but also sets up a new user identity intelligent classification function to realize the individual listing listings The information is only open to individual real-name authentication users, brokers can not view, to eliminate information leakage, to prevent harassment. More critically, if the transaction is summarized, the platform does not charge a penny, compared to the intermediary economic advantage is obvious. But whether it can break the pattern of relying on intermediaries to sell houses, it is still too early to draw conclusions at this point.
In 2015, Beijing launched a government-run real estate transaction website, the Beijing Real Estate Transaction Information Network. According to the platform's vision, buyers and sellers can directly on the network to realize docking, "zero brokerage fees", reduce the cost of second-hand real estate transactions. The platform on May 9 on-line a week time, second-hand housing only 33 sets, and many of the housing introduction does not have real photos, more stay in the housing assessment value.
It is reported that in July 2011, Beijing's first government-run brokerage-free second-hand housing trading platform was run on a pilot basis in Haidian District, and the total number of listings had accumulated to 510 after one week on line. However, the platform's listing search function can only rely on the listing code and the name of the district to query. Compared with commercial websites that can search flexibly through fuzzy conditions such as area, house price, area, etc., it is not flexible enough. According to statistics, only 5.3 percent of the listings on the Haidian listing platform were released by homeowners themselves that year, while 94.7 percent were released by real estate agents.
Shanghai is even earlier, more than a decade ago, there was a similar government platform, the agent will take the initiative and the buyer to say, to its listings on the government platform, as a true listing of endorsement. Let the buyer rest assured that the transaction. But the transaction is usually completed in the agency stores.
Compared with Beijing and Shanghai, Hangzhou's approach seems more thorough. After the seller logged on to the platform, the first personal user registration, complete the real name registration can use the "personal independent listing" function, fill in the online housing object information, housing ownership status and the basic information of the rights holder, complete the listings independent listing. After registering with their real names, homebuyers can inquire about their own listings and commissioned brokers' listings in the "Listed Listings Publicity" section. Through the actual needs of the individual screening price, area, household type, urban areas and other conditions, quickly lock the preferred housing. All listings released on the platform are verified by the housing management department and have a unique unified code and QR code for verification of listings, which ensures that the property rights are real, legal and valid.
Individual landlords can list their own properties online, and homebuyers can get in touch with landlords directly after registering with their real names to see and negotiate their own properties. But agents can't register, and they can't get personal information about landlords through the platform.
In the view of some intermediaries, there are more and more regulatory links in the second-hand housing transaction chain. For example, this time, Hangzhou second-hand real estate trading platform completely upgraded the traditional market supervision mode, to realize "from the pre-supervision to the pre, during, and after the whole process of supervision" "from a single government management to the government, industry, social **** with supervision" and The three fundamental changes of "from managing people, things and behaviors to managing platforms, data and credit"; pioneering the "information filing mechanism covering the whole industry", "big data association mechanism for real-name listing service ", "record and evaluation mechanism for each single transaction", "real-time dynamic adjustment of the star rating mechanism", four innovative mechanisms; launched the "brokerage agencies and personnel information filing", "administrative supervision and control", "administrative supervision and control", "administrative supervision and control", "administrative supervision and control", "administrative supervision and control", "administrative supervision and control". ", "administrative supervision information disclosure", "industry management information disclosure", "service evaluation and star rating", "listing of real estate verification". The five modules of "housing verification and listing" have strengthened the all-round and whole-process supervision of "people", "houses" and "contracts".
"High prices - high commission" cycle is expected to be broken
Hangzhou real estate market management service center related to the previous interview revealed that the platform is only the listing information, the next will be a personal purchase information release.
The biggest attraction of this transaction mode for consumers is the reduction of brokerage fee. At present, Hangzhou agency fee is charged according to the transaction price is divided into two parts, the house price of 1 million yuan within the collection of 3 points, more than 1 million yuan part of the collection of 2 points. For example, for a house of 4 million yuan, the agency fee of 80,000 yuan, even if discounted down to 50,000 or 60,000 yuan.
The vicious cycle of high house prices leading to high commissions is expected to be broken, but there is no substitute for the intermediary's role in summarizing the transaction process; second-hand housing transactions are complex, and some involve multiple mortgages on the house, which carries a certain amount of financial risk for buyers; and the phenomenon of "skipping orders" is not a better solution for the current online platform. The problem is that there is no better solution for the online platforms.
The aforementioned sources also admitted that the Housing Authority's online "personal independent listing" is aimed at facilitating the public and providing a new sales channel for individual landlords to sell their properties. Landlords can list their properties on the government platform and also to intermediaries to improve the chances of a sale.
And from the point of view of the demand for services in the buying and selling of second-hand properties, the intermediary is unlikely to be completely replaced. If the buyer and seller have negotiated a good price, and clear property rights, no loan demand, through the "landlord direct sale" mode can save a brokerage fee; but if it involves mortgage loans, title investigation and other professional services, at present it is not possible to bypass the intermediary.
The buyer and seller can go directly to the real estate registration center to handle the online transfer procedures, very convenient. But if the transaction process is complicated, you still need the services of a professional intermediary.
Up to now, the Hangzhou second-hand housing transaction supervision and service platform realizes real-time information disclosure of 997 brokers, 3,293 stores and 97,400 practitioners; it has accumulated 1,094,000 pieces of listed listings, involving 451,800 sets of houses; and the volume of transaction evaluations has accumulated up to 307,600, of which the volume of satisfactory evaluations is 307,200, with a satisfaction rate of 99.84%; A total of 569 industry inspection announcements have been issued, with 558 enterprises operating in the abnormal catalog, 22 people included in the industry disciplinary list, and 7 people included in the risk warning list.
As a government-built transaction monitoring service platform, which can regulate and urge intermediaries to improve their services, an important step has also been taken in the second-hand housing source "truth-seeking". "The government is just to 'knock the mountain to shake the tiger', remind the intermediary service to keep up, otherwise the market is too chaotic. To be sure, online independent listing listings once to other cities to promote, the impact on the real estate agency industry will gradually release." The aforementioned industry insiders said.