After the first sale to buy
Editor’s note: This article is from the micro-channel public number “engraved magnesium estate” (ID: Real-estate-Circle), Author: magnesium engraved estate.
From tomorrow (April 1), before Shanghai second-hand house transaction buyers sign the house sale contract online, they need to go to the district real estate registration center for purchase restriction inquiry, and after 5 working days get the inquiry result, they can sign it online.
The “Daily Economic News” reporter got the confirmation from the 962269 Shanghai real estate transaction registration industry service hotline.
The staff replied that buyers who purchase second-hand houses need to be eligible to purchase houses. They used to inquire during the window transaction link. In the future, they will provide the purchase restriction inquiry result during the online signing link.
A real estate intermediary told reporters that at present, after buyers and sellers have reached a purchase intention, they can immediately sign online at the intermediary’s store to “lock” housing and house prices. After the implementation of the new regulations, after the two parties have reached a preliminary intention, the buyer must immediately go to the real estate trading center to conduct a house purchase qualification review, and only after receiving the “result notice” can the second-hand house online sign. This means that the second-hand housing transaction cycle has been extended.
The impact of the new process will produce a replacement “chain” effect, and market liquidity will slow down significantly.
In this regard, Zhang Bo, branch dean of 58 Anjuke Research Institute, told reporters that this will have the greatest impact on buyers who have been replaced and improved, that is, “serial” buyers.
Originally, it was inquired during the window transaction link, and the purchase restriction inquiry result will be provided in the online signing link in the future. The most intuitive change is that for buyers to apply for loans, it often takes about 2 months to pass the approval. The transfer is 1 week, and the waiting for the loan is 1 to 2 months. The entire replacement cycle may be extended by 3, 4 months, or even longer. If the buyer is a replacement house, the home will also have to wait for more time.
For home buyers, the previous habitual operation of “buy first and sell later” means that qualified buyers can first sign online to “lock” the listings and prices of second-hand houses, and then sell the next set of properties. , After obtaining the qualification to purchase a house, transfer the real estate transaction.
For example, the above-mentioned intermediary said that the original buyer has one house under his name or the family buyer has two houses under his name, and the second-hand house’s listings and prices can be “locked in” through online signing, and then the next set of real estate can be sold. After obtaining the qualification to purchase a house, transfer the real estate transaction. However, this method will not work in the future. The buyer must first sell the house under his name and obtain the qualification to buy the house, and finally complete the second-hand house online signing.
If the buyer himself is also waiting for the next home’s money to buy a new house, the ability to pay may not be enough for the time being.
Zhang Bo told reporters that according to the original process, it is more efficient for the replacement buyers who sell the old and buy the new. They can quickly sell the real estate in their hands, and at the same time, they can also lock the intentional listings, which will not be affected by the market. The influence of volatility factors makes efficiency itself more important to some buyers with special needs such as educational resources.
After the introduction of the new policy, the transaction rhythmIt has slowed down, because the change from “buy first and then sell” to “sell first and buy later” slowed down the originally compact house swap process and lengthened the transaction cycle. Big impact.
In addition, the current loan review speed is slow, which has a significant impact on the length of the transaction cycle. But at the same time, it should be noted that the current strict review of the financial side will cause some people to be restricted from buying houses. This system is also a way to ensure the smooth progress of the transaction process to a certain extent.
Author: Wu Ruofan