Xinhuanet Zhejiang Channel July 0 1- When buying a second-hand mortgaged house with outstanding balance, the seller wants the buyer to pay it in one lump sum, and the buyer wants to continue the mortgage; All warrants cannot be paid at the same time when they are renamed, and buyers and sellers do not trust each other. ...

In view of these contradictions in second-hand housing transactions, Hangzhou Commercial Bank launched two innovative businesses today, namely second-hand housing mortgage loan business and second-hand housing transaction payment performance guarantee business.

The buyer pays in one lump sum, and the buyer pays the mortgage.

Mortgage-to-mortgage loan is a kind of second-hand housing mortgage loan. It refers to a kind of lending behavior in which banks issue loans to individual customers who have purchased second-hand houses with mortgage loans but their principal and interest have not been paid off, and go through the formalities of property right transfer, taking the purchased second-hand houses as collateral.

This means that buyers who buy second-hand mortgage houses can pay down payment to mortgage this house; The seller can get all the money from the bank at one time. At the same time meet the needs of buyers and sellers.

In fact, before this, the embryonic form of remortgage business has appeared. However, considering the safety of lending (the repayment ability of second-hand housing buyers needs to be investigated) and reducing the workload, banks only target intermediaries, not individuals. Both parties can obtain this service only after paying the service fee to the intermediary company (generally 0.4%-0.8% of the appraised house price, with their respective contributions).

The remortgage business launched by Hangzhou Commercial Bank is directly for individuals, which saves a lot of intermediary service fees for both parties to the transaction.

Bank credit guarantees that money and goods are clear.

Hangzhou Commercial Bank defines the performance bond business of second-hand housing transaction payment as follows: according to the sales contract reached by the buyers and sellers of second-hand housing, the applicant (buyer) deposits a full amount or a certain percentage of the deposit in the bank, applies for a guarantee from the bank, provides a guarantee for the timely payment of the house purchase price, and issues a written guarantee to the beneficiary (seller). After the beneficiary has fully fulfilled the obligations of the house transaction contract and the house ownership certificate is transferred to the applicant, the bank is responsible for directly transferring the purchase price to the beneficiary.

Buyers and sellers often distrust each other, and buyers are afraid that they will not get the house after paying the money; The seller is afraid that he can't get the money smoothly after changing the real estate license. Commercial banks are willing to guarantee the performance of the contract by both parties with the credibility and strength of the bank. In case of accidents, the bank will bear the losses.

Commercial banks competing for the market use this method.

These two killer cards given by commercial banks have three meanings.

The first is to maintain a leading market share. Commercial banks account for about 50% of the second-hand housing mortgage market in Hangzhou, and their leaders hope to maintain and increase this share.

These two new businesses are very practical for both buyers and sellers of second-hand houses, and will almost certainly be sought after by the market after their launch, but their shortcomings are also obvious. Every business has complicated procedures for banks, but the income is limited (perhaps because of this, other banks have not used this brain).

Secondly, we hope to expand the primary mortgage market. Although commercial banks are the leader in the second-hand housing mortgage market, their share in the commercial housing loan market is not high. Last year, the balance of housing loans in Hangzhou reached 654.38+03.5 billion yuan, a year-on-year increase of 66.09%, accounting for more than 70% of all personal consumption loans. Commercial banks are trying to get a bigger share of the cake.

In the re-mortgage business, commercial banks stipulate that the re-mortgage business can only be handled by the bank's mortgage housing. In order to attract property buyers to buy houses from developers, they will come to commercial banks to mortgage.

Developing new business is also the need for commercial banks to implement brand management strategy. Following the "Bailutong" automobile consumption loan, commercial banks launched these two "Bai Juyi" personal housing mortgage loans, trying to form a series of brand loan business.

It is foreseeable that the mortgage market in Hangzhou will set off waves. (According to "Urban Express"/Zhou Yi)