Real estate transactions are no exception. Although the epidemic caused bank loans not to be signed immediately, it also became an opportunity to promote industry upgrading. One of the representative cases is the online signing house, a product of online bank loan verification signing (hereinafter referred to as "online loan signing") of Branch Holding Company.
Improve the efficiency of loan face-to-face signing
Ms. Jiang from Dalian recently bought a second-hand house near Yuwen Middle School in Ganjingzi District, Dalian. The original owner of the house, Ms. Li, lives and works in Beijing all the year round. On June 9, Ms. Li returned to Beijing after the two parties signed a house sales contract at the chain store. The two parties originally planned to complete the loan signing procedures within a period of time, but the recurrence of epidemic cases in Beijing made it inconvenient for Ms. Li to return to Dalian. After learning that the loan signing can be completed through the "online signing room", both parties decided to complete the loan signing in different places on June 18, which only took 15 minutes.
"Online signing house" is an online loan signing application developed by Keke Holding Company, which transfers the face-to-face signing procedures that second-hand housing loans need to be completed offline to online. Both parties finalize the time, enter the "online signing room", fill in the information, upload it for confirmation, and the bank account manager retrieves the buyer's credit record to confirm the qualification and loan information, so that both parties can complete the electronic signing process of loan information.
In this process, you can upload documents and supplement materials in real time. All parties can enjoy the document, confirm and verify the signed document, and mark key points on the page in real time. Bank account managers are equipped with screen recording, screenshot and other functions, and can also download videos or screenshots of the signing process. Confirm on the public screen in the form of * * * file, and ensure that it cannot be smeared and changed. The electronically signed documents will also be directly put into storage for the bank manager to download and use, and the signed transaction process can also be viewed at any time.
Anyone who has bought a second-hand house knows that the loan is the most "difficult" link. First of all, property buyers need to check the credit information online or at the bank credit information inquiry point in advance, and prepare all the materials needed for the loan at one time. Subsequently, under the coordination of brokers, buyers and sellers need to go to the bank again to formally enter information and sign a loan contract.
"It is very troublesome to go through the formalities of mortgage loan face-to-face signing. Not only do you have to prepare a lot of information, but you also have to coordinate the time of all parties, and then go to the designated bank outlets. Different banks have different requirements for data formats. If the data does not meet the requirements of the bank, it is necessary to reschedule and wait in the bank for a long time. " Wang Kun, a real estate agent of Dalian Chain Home, said.
According to Gui Zhijian, the transaction manager of Shell Hangzhou Trading Service Center, online loan signing has a significant effect on improving transaction efficiency. "In the past, at most two single-sided collections were processed in one morning, and now five to six collections can be processed in one morning through online loan collection."
User acceptance of mode innovation
The benefits of online loan signing are obvious, but why not implement it on a large scale? Mainly because for second-hand housing transactions, the biggest difficulty in online product operation is not technology, but user habits.
"Second-hand housing transactions are low-frequency businesses, and it is difficult for users to experience the advantages of online tools through frequent use. In addition, real estate transactions involve a large amount of money, and the security requirements of both parties to the transaction also make the user's mentality generally conservative. Banks have relatively little motivation for change in this regard and are more cautious in implementation. " The national trading director of Branch Holdings Limited said.
The normalization of epidemic prevention and control has caused fundamental changes in many industry formats, mainly because the public's online acceptance of many scenes has been greatly improved. It can be said that the epidemic situation has accelerated the substitution of online and offline scenes, and it has also become an opportunity for second-hand housing transaction loans to be online.
Both buyers and sellers, Ms. Zhang and Ms. Li, are two "post-90 s" in Hangzhou. In June this year, the two sides signed a house sales contract. Although it is not difficult to meet, they all chose online loan signing after learning that they can choose online loan signing.
Gui Zhijian told reporters that about 90% of customers in the transactions they participate in will choose online loans to sign contracts, and the acceptance of young people is far greater than that of the elderly.
In addition to the public, the demand of banks for online transactions has also risen sharply due to the epidemic. "Online loan signing has reduced the workload of bank account managers. At the same time, it is also possible to conduct business while reducing the gathering of customers at bank outlets. " Zheng Yang, business circle manager of Hangzhou Changqing Street Store, said that the acceptance of banking institutions has generally improved after trying to sign online loans.
The latest data shows that Shell's online loan signing business has accumulated more than 60,000 orders, and the number of cooperative banks has exceeded 1 150.
Standardization construction needs to be strengthened urgently.
Liu Hua told reporters that in February this year, many housing transactions were blocked by face-to-face loans. Moreover, most customers are selling and buying, and a transaction is stuck, which may cause subsequent transactions to default or disputes.
"At first, we used a lot of third-party video conferencing tools, but we couldn't graft the whole process of commercial loans. Later, I tried to use the apps of various banks, but the models were also very different, and the customers generally reflected poorly. " Zhang Jian, product director of the "online verification room", said.
Subsequently, Shell decided to develop products oriented to the housing loan process. The product team selected 13 pilot city, and then converted it into system requirements according to the feedback from customers, owners and bank account managers.
Second-hand housing transactions are full of complexity and particularity. If standardization cannot be achieved, it will be difficult for the industry to make progress. With the advent of the era of 5G and artificial intelligence, the networking and standardization of second-hand housing transactions have more technical conditions. In this regard, from the second half of 20 19, shells have been launched on the VR sales department, renting houses and second-hand houses.
"In the future, we will try to evaluate online video notarization in some cities, and we also hope to upgrade manual approval to automatic approval by the banking system. After all the supporting materials are provided online through port docking, the bank can give the approval result quickly, which will make customers get a better experience. " Liu Hua said.
The general manager of the trading service center of Keke Holding Co., Ltd. said that going online will help standardize the process, facilitate users' use and protect users' rights and interests. Online loan signing is a very important step in the process of realizing online residential transactions, but it is far from the last step. It will be a long-term process to truly realize the ideal online process of residential transactions. "If you can complete the follow-up of tax payment, transfer and real estate mortgage online, you will realize a real closed-loop transaction, but this involves the enjoyment and support of multi-party systems." Liang Fang said.
Online processing or trending
Yang Xianling, founder of Blank Research Institute, a research institution, believes that online residential transactions may not be suitable for all platforms. In addition to technical factors, the credibility of platform brands is also an important factor for consumers to accept this model. "Online loan signing involves system docking and model establishment of all parties, which is difficult and takes a long time. Whether to implement online transactions, enterprises should make choices according to their own strategies and resource conditions. " Yang Xianling said.
At present, relevant policies are also guiding the development of residential transactions to the online direction. In August last year, the Ministry of Housing and Urban-Rural Development issued the Business Specification for Online Registration of Housing Transaction Contracts (Trial), and in April this year, it issued the Opinions on Improving the Efficiency of Online Registration of Housing Transaction Services, proposing to actively promote the "online lobby" mode and realize online registration of housing transactions by means of internet plus, big data, face recognition, mobile phone application software (APP) and electronic signature. Recently, Wuhan, Chengdu, Shenzhen, Dongguan and other cities are also actively piloting online signing and filing of new and second-hand housing contracts and related management measures.
Experts believe that a series of policies and measures of relevant departments not only reduce costs and increase efficiency, but also contain the intention of strengthening supervision. Yang Xianling said that due to the epidemic, "non-contact house inspection", "online house purchase" and "on-site house purchase" came into being. However, the surge in real estate transaction disputes and contract breach with "force majeure" as a shield was an important reason for the relevant departments to introduce measures such as "Internet plus online signing".
In addition, with the help of Internet technology and application platform, the realization of electronic and networked real estate registration will lay the foundation for the nationwide real estate information networking, simplify administrative procedures, improve the efficiency of housing transaction management, and put an end to behaviors that endanger market order and consumers' rights and interests, such as "one room for two sales", "yin-yang contract" and "fake housing". Promoting online services is also the purpose of the regulatory authorities.