Guangzhou real estate "e-registration" further upgraded the bank agency "zero run" to paperless "zero run" by sending information online and issuing certificates by mail. Real estate registration agencies do not use paper application materials as a precondition for approval and registration, and pilot banks do not use paper real estate registration inquiry materials as a basis for pre-lending review, and do not use real estate registration certificates as a precondition for lending.
In the past, from loan application, approval, lending to loan settlement, customers had to go back and forth to bank outlets and real estate registration centers many times, which was complicated and time-consuming. Now, through the "e-registration" online application platform, customers can "move their fingers", "brush their faces" and "scan their codes" to handle the mortgage "one thing" in Minsheng Bank, saying goodbye to the past situation of "running back and forth" and "running long"
Guangzhou Municipal Bureau of Planning and Natural Resources extended the real estate registration service to bank outlets. Customers can apply for real estate mortgage registration and cancellation registration at the same time when they apply for loans at bank outlets. The mortgage time is greatly shortened, and the same-day settlement and loan can be realized at the earliest, which greatly reduces the mortgage cost.
It is reported that Minsheng Bank Guangzhou Branch became the first private bank in Guangzhou to launch "online registration of micro-finance real estate" and launched "e-registration of micro-finance" to realize "zero run" of real estate mortgage registration.
In order to implement the convenience reform of real estate registration, Guangzhou started "real estate registration+financial services+Internet" in July, 20 18, established a series of service brands of Guangzhou real estate "e-registration" in September, and held the first batch of pilot bank licensing activities of real estate "e-registration" in June, 5438+00, trying to handle online business such as mortgage registration, mortgage registration and renewal registration.
Up to now, the Guangzhou real estate "e-registration" application service point has covered 69 outlets such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and China Construction Bank, and the mortgage loan time has been shortened by 70%, enabling small and medium-sized enterprises to complete financing loans within one day at the earliest. Since the launch of the "electronic registration" service, more than 65,438+0,300 SMEs have benefited, and more than 2,700 paper registration inquiry certificates have been reduced.