It means that the special transaction funds of buyers and sellers are not directly transferred through brokerage companies, but are transferred by the real estate administrative department in conjunction with banks and institutions with guarantee qualifications to open a "special account" for fund supervision in banks, which is owned by banks.
If the buyer transfers ownership within the specified time limit, the funds will be transferred to the original owner's account, otherwise it will be transferred to the buyer's account. Therefore, the supervision of funds requires buyers and sellers to open accounts in the supervision bank, and the bank is the main body of funds supervision, thus ensuring the safety of trading funds of buyers and sellers and safeguarding the rights and interests of buyers and sellers. Similar to online trading platforms such as Tenpay and payment platforms such as Tenpay.
Extended data:
Supervision mode:
Two different modes can be adopted: closed account supervision mode and direct supervision mode.
Closed supervision needs to open a special account, which is mostly applicable to the supervision of credit-related funds; 2. The direct supervision mode is that the enterprise takes the settlement deposit account that has been opened in the handling bank as the designated supervision account, and the teller of the handling bank sets the supervision mark in the AS400 system without opening a special account.
Handling fee:
The supervision fee under non-credit is 654.38+0 million yuan/year, which can be charged according to the complexity of supervision.
Applicable object/condition:
Supervise account funds related to specific credit projects, including but not limited to capital construction loans, decoration loans, real estate development loans, operating property loans, accounts receivable pledge financing, factoring financing, etc. ; 2. Other businesses that need to manage special funds in designated accounts, including but not limited to e-commerce deposit accounts and partnership fund accounts.
How to deal with:
Account opening information of closed special account: 1. Open supporting documents designated by basic deposit account; 2. basic deposit account account registration certificate; 3, the competent department or other relevant departments to prove; 4. Account supervision agreement signed with the handling bank; 5, account supervision business approval form.
Featured services:
1. provides two services: payee supervision and usage supervision.
2. Provide online inquiry service.
3. Provide supervision services for maternal and child accounts.
2. Supervision process of down payment funds for second-hand housing loans
(1) The buyer and the seller sign a house purchase contract, and put forward the demand for fund supervision;
(2) The loan bank examines the borrower's qualifications and signs a loan contract;
(3) Evaluate the house price and determine the down payment amount;
(4) The buyer and the seller sign a fund supervision agreement, and the buyer will deposit the down payment into the bank fund supervision account;
(5) After the house transfer is successful, the bank transfers the down payment to the seller's account;
(6) After the buyer completes the mortgage of the house, the housing management center will issue the certificate of other rights (the real estate registration certificate will be issued in the area where the real estate classification system is implemented), and the bank will transfer the loan to the seller's account after obtaining the certificate of other rights.