Yesterday, Hangzhou Housing Management Bureau launched the function of "individual self-listed houses" on the "Hangzhou second-hand housing transaction supervision service platform", which gave Hangzhou second-hand housing transaction a new official online channel.
The function of "individual self-listed houses" launched this time has broken the traditional housing sales model that relies on intermediaries, improved the disadvantages of asymmetric housing information between buyers and sellers and intermediaries in the process of second-hand housing transactions, and provided more convenient and safe new channels for people to "hold hands" in independent transactions, such as publishing house selling information, searching for house purchasing information, matching independent trading information, etc., and built a more fair and reasonable second-hand housing transaction market operation system.
In other words, individual landlords can hang their houses directly on the platform. After registration, buyers can also get in touch with the landlord directly, see the house by themselves and talk about the house price. The whole operation is directly "disintermediated".
Then, can the sale of second-hand houses really be "de-intermediated"? How to ensure the safety of funds?
Providing brand-new sales channels is not to replace middlemen.
Hu Pingli, chief of the real estate market section of Hangzhou Real Estate Market Integrated Management Service Center, said: "The main purpose of our move is to facilitate the masses and provide a brand-new sales channel for individual landlords to sell their houses. The landlord can hang the property on our platform or on the intermediary to improve the trading opportunities. "
Judging from the service demand of the second-hand housing sale, the intermediary cannot be completely replaced. "If it involves professional services such as mortgage loans and property rights surveys, it is still impossible to bypass the intermediary." Hu Pingli admits that if the buyers and sellers have negotiated the house price, and the property rights are clear, there is no loan demand, the "landlord direct sales" model can really save an intermediary fee. It is very convenient for buyers and sellers to go directly to the real estate registration center for online signing and transfer. However, if the transaction process is complicated, it is recommended to go through a professional intermediary company.
How to ensure the safety of trading funds
Hu Pingli said that at present, the platform has not set up a fund supervision account, which means it is mainly based on the trust of buyers and sellers. For example, the two sides are relatives and friends. "Next, we will consider setting up a fund supervision account to solve the worries of buyers and sellers."
How much can online perfect functions save for ordinary buyers?
According to HZTV 1 Hangzhou Comprehensive Channel, the reporter came to an intermediary agency in Gongshu District today. The staff said that the current agency fee is divided into two parts according to the transaction price, which is generally borne by the buyer.
Cao Shicong, manager of Jiatai Xinting Store, Yiju Fangyou: "There are three points within1million, and the part above1million is charged at two points. If the overall house price is four or five million, the front 6.5438+0 million is the handling fee of 30,000, and the back 3 million is 2 points. The handling fee of 30 thousand yuan plus 60 thousand yuan is 90 thousand yuan In the actual collection process, the discount is 6 to 7 fold on the market. "
How to use the second-hand housing transaction service platform in Hangzhou?
The specific operation is as follows:
1. After the seller logs on to the platform, he/she first registers as an individual user. After completing the real-name registration, you can use the function of "individual independent listing" to fill in the information of the house object, the ownership status of the house and the basic information of the obligee online to complete the independent listing of the house.
2. After the real-name registration of the buyers, you can check the listed houses of individuals and the listed houses of entrusted brokers in the column of "listing publicity". Screen the price, area, apartment type, urban area and other conditions through personal actual needs, and quickly lock the favorite housing.
All houses released by the platform have been verified by the housing management department, and there is a unique unified code and a two-dimensional code for house verification. The transaction is based on this code to ensure that the property rights are true, legal and effective.