The Third Intermediate People's Court launched the first online auction of real estate loans.
20 15 12 2 1 It was learned from the Third Intermediate People's Court that the institute started the first batch of online auction of real estate loans, which marked that the online auction of real estate mortgage loans in the institute officially entered the practical stage.
The first three properties were announced.
It is understood that the first three properties to implement the "e-loan" business are a house in Building 7, No.3 Shilibao A, Chaoyang District, a house in Building 9, Fudong Jiayuan, Chaoyang District, and a whole villa in Sunshine Garden, Shunyi District. All three properties are unsecured leases, with clear property rights and nothing, which meets the basic requirements of judicial online loan property.
Before starting the first online auction of real estate loans, in order to effectively solve the one-time payment problem of judicial online auction of real estate and improve the transaction rate of online auction, the Third Intermediate People's Court and ICBC Beijing Branch signed the Cooperation Agreement on Judicial Online Auction of Real Estate Personal Loans, taking the lead in formally establishing the online auction mechanism of real estate mortgage loans in the city's courts.
Support three types of real estate loans
According to the agreement, "e-loan" currently supports housing, shops and commercial and residential houses. After the signing of the agreement, when the Third Intermediate People's Court auctioned the real estate on Taobao's judicial auction platform, the real estate that ICBC could provide loans was specially marked as "loanable" on the auction page. Bidders who need loans can apply for loans at the bank in advance before the auction. After the auction is successful, they will pay the down payment to the court according to the bank loan requirements, and make a formal loan application. After the bank loan is approved, the court, the bank and the buyer shall jointly handle the formalities of property transfer, mortgage and loan. In addition, online loan auction information will also be published on the People's Court Litigation Assets Network, Beijing Court Network, Beijing Court Trial Information Network, the official Weibo of the Third Intermediate People's Court and the judge's real name Weibo.
According to the operation flow of "e-auction loan", bidders who need loans can apply for loans at the bank in advance before the auction, and pay the down payment to the court according to the bank loan requirements after the auction is successful and a formal loan application is made. After the bank loan is approved, the court, the bank and the buyer shall jointly handle the formalities of property transfer, mortgage and loan.
Introducing loans to solve the auction problem
Since the beginning of this year, the Third Intermediate People's Court has launched the first Taobao judicial online auction, with a turnover of 654.38 billion yuan, with a turnover rate of 76.9%, saving the parties more than 220,000 yuan in commission. However, due to the large amount of real estate target, bidders need to pay millions of yuan at one time, which makes many people flinch because of limited funds, resulting in a high auction rate of real estate target.
In order to break the bottleneck restricting the development of judicial online auction, the Third Intermediate People's Court introduced the working mechanism of mortgage loan for online auction of real estate, and reached an agreement with ICBC Beijing Branch on the cooperation of online auction of real estate loans. According to the relevant laws and regulations, combined with the judicial auction work of the Third Intermediate People's Court and the relevant loan business of ICBC, normative documents such as the Cooperation Agreement on Personal Loan for Judicial Online Auction of Real Estate, the Loan Process and the Loan Instructions were formed, and the "e-auction loan" business was officially launched.
This online auction is the first time that the Third Intermediate People's Court has implemented the auction of real estate loans, which has accumulated experience for the hospital to further improve and perfect the working mechanism of online auction of real estate mortgage loans in the future.
(The above answers were published on 20 15- 12-22. Please refer to the actual purchase policy. )
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