智通财经APP获悉，9月21日，受人民银行广州分行鼓励推广二手房“带押过户”试点模式消息影响，A股房地产板块快速反弹，截至发稿，栖霞建设(600533.SH)、我爱我家(000560.SZ)、中天服务(002188.SZ)涨停，国创高新(002377.SZ)、特发服务(300917.SZ)、世联行(002285.SZ)、招商积余(001914.SZ)、新大正(002968.SZ)、天房发展(600322.SH)等股拉升上涨。
9月21日，人民银行广州分行近日向辖内各中心支行及银行机构发布关于鼓励推广二手房“带押过户”模式有关事宜的通知。
人民银行广州分行有关人员表示，二手房“带押过户”模式的核心是免去了提前还贷以注销抵押登记的“过桥”环节，实现贷款资金到账与产权过户登记、抵押权注销和设立登记同步办理。与原交易模式相比，可大幅缩短交易时间，降低交易成本，提升交易效率和便利度，有利于激发二手房市场交易活力。
业内人士分析称，“带押过户”模式给买卖双方带来“两省一升”：一是省下费用;二是省下时间;三是提升交易安全性。
Zhitong Financial APP learned that on September 21, affected by the news that the people's Bank of China Guangzhou Branch encouraged the promotion of second-hand housing "transfer of ownership" pilot model, the A-share real estate sector rebounded rapidly. As of press time, Qixia Construction (600533.SH), I Love my Home (000560.SZ), and Zhongtian Service (002188.SZ) rose by the limit. Shares such as 002377.SZ, 300917.SZ, 002285.SZ, 001914.SZ, 002968.SZ, 600322.SH and other stocks rose.
On September 21, the Guangzhou Branch of the people's Bank of China recently issued a notice to the central branches and banking institutions under its jurisdiction on encouraging the promotion of the "mortgage transfer" model of second-hand housing.
People's Bank of China Guangzhou Branch said that the core of the second-hand housing "transfer with mortgage" model is to eliminate the "bridge" link of early loan repayment to cancel mortgage registration, and to achieve the simultaneous processing of loan funds and property right transfer registration, mortgage cancellation and establishment registration. Compared with the original transaction mode, it can greatly shorten the transaction time, reduce the transaction cost, improve the transaction efficiency and convenience, and stimulate the transaction vitality of the second-hand housing market.
Industry insiders said that the "transfer of ownership" model brings "two provinces and one liter" to both buyers and sellers: the first is to save costs; the second is to save time; and the third is to improve the security of transactions.
