从西宁市经验看存量房交易资金监管的发展阶段及模式

The Supervision of Stock Trading Funds from the Experience of Xining Development Stages and Models

房地产市场存量房交易相比商品房而言,交易过程更加复杂,手续和流程更加繁琐,中间出现不可控的风险更高。存量房资金监管就是为了买卖双方交易资金安全,由买方将购房资金交付给第三方监管机构,待交易双方完成房屋所有权转移登记后,资金监管机构按照约定向出卖方转付房屋交易资金,其目的就是为了保障交易安全,保障房屋交易双方权益不受侵害。西宁市借助交易网签及资金监管系统,通过技术改造,抓住关键节点,与托管银行合作开发新的资金监管交易流程——即"先贷款后取证"的新型的交易与贷款模式。在业界推出了新型的存量房资金监管模式。

With the development of China's real estate market,the real estate market has become increasingly mature.Compared with commercial houses,the transaction process of stock houses is more complicated,procedures and procedures are more complicated,and uncontrollable risks appear in the process.Inventory transaction capital supervision business came into being.Housing stock capital regulation is to buyers and sellers trading capital security,delivered the money that buy a house by the buyer to a third party supervision institutions,housing ownership transfer registration after the both parties,the capital regulators turn out of the seller in accordance with the contract pay housing financing the deal,its purpose is to protect transaction security,ensure the funds are not violated the building trades.Xining city,through the transformation of transaction network signing and capital supervision system,grasps the key nodes through the technical transformation,and develops the new capital supervision transaction process in cooperation with the custodian bank that is,the new transaction and loan mode of "loan first and evidence later".For the national creation of new stock of housing funds regulatory model.