On August 18, Hangzhou Housing Security and Real Estate Administration announced that the function of "listing individual's own houses" was officially launched on the "Hangzhou Second-hand Housing Transaction Supervision Service Platform", which marked a more standardized, safer, more convenient and more perfect online official new channel for second-hand housing transactions in Hangzhou.
The reporter logged into the platform and found that from August 19 to 3 pm on August 20, 35 sets of self-occupied houses had been launched on the platform. Some listed owners told the reporter of International Finance News that this is a good thing for the convenience and benefit of the people. When they know, they will put their house on the Internet as soon as possible.
However, some people in the industry hold different views that the effect may not be obvious in the short term, and the intermediary is necessary.
Test the water "de-intermediation"
When reporters log on to the Hangzhou second-hand housing transaction supervision service platform, they can see that the option of "listing by oneself" appears in the classification of the first line of the website. When you click to enter, you need to verify your personally identifiable information. After verification, you can click "I want to verify/list" to open the "My Verification Information" window, enter your own ownership certificate number, add the certificate of the property owner and the photo of the ownership certificate, and fill in the listed house information (living area, price for sale).
In addition, under "my verification information", there are five pieces of information "I promise". The information is as follows:
I voluntarily sell the house, and all the information (including pictures) I reported and uploaded is true, legal and effective.
I have the legal disposal right to sell the house, there is no legal dispute, and trading is prohibited.
The suggested selling price I filled in is my real intention.
I agree to use this platform to publish information about listed houses.
If the information provided or uploaded (including pictures) is false or deceptive, I shall bear all legal responsibilities arising therefrom.
Hangzhou Housing and Housing Management Bureau believes that the online function of "individual self-listed houses" breaks the traditional housing sales model that relies on intermediaries, improves the disadvantages of asymmetric housing information between buyers and sellers and intermediaries in the process of second-hand housing transactions, and provides people with more convenient and safe new channels for independent transactions such as housing information release, house purchase information search and independent transaction information matching, and builds a fairer and more reasonable second-hand housing transaction market operation system. In addition, the platform not only guides buyers and sellers to conduct transactions according to the standardized process of listing verification, but also newly sets up the intelligent classification function of user identity, so as to realize that the personal self-mentioned listing information is only open to users with personal real-name authentication, and brokers cannot view it to prevent information leakage and harassment.
"This model of selling all the time means de-intermediation, or it makes up for some disadvantages of the original intermediary service." According to Yan Yuejin, research director of think tank center of Yiju Research Institute, about 85% of the second-hand housing transactions in China are completed through intermediaries, while the proportion of independent transactions between landlords and buyers is relatively low. Even this 15% transaction is very risky because there is no platform support. This time, Hangzhou took the lead in building a direct selling platform in China, which is innovative and can also increase the proportion of direct transactions. In the transaction mode, more choices have been added for landlords and property buyers. In addition, this model has certain challenges for intermediaries, and relevant intermediaries need to study the impact or impact brought by such platforms.
Song Hongwei, research director of Tongce Research Institute, also believes that from the market point of view, this measure has increased new channels for second-hand housing transactions and avoided the situation that second-hand housing transactions in some cities are monopolized by large intermediaries; This is also an attempt by local governments to directly intervene in the second-hand housing market. From the perspective of the government, it is conducive to the supervision and regulation of the second-hand housing market.
19 In August, Yu Xiansheng, who knew about this, put up for sale a house of 56. 14m2 in Xiaohexia Community in Shangcheng District, with the entrusted price of 2.45 million yuan. According to its introduction, an intermediary once entrusted the property to me and I love my family. The property was launched on the "second-hand housing transaction supervision service platform" on July 7, when the entrusted price was also 2.45 million yuan, but due to market problems, it has not been sold.
"Knowing that you can go public on your own, it is also convenient to upload housing information such as real estate licenses, which is equivalent to one more channel." Yu Xiansheng believes that the agency fee has little influence on our sellers, but it is also tens of thousands of dollars for buyers. If we have the sincerity to buy a house, we are willing to directly dock the transaction without taking the intermediary process.
One day after the listing, Yu Xiansheng has received a number of intermediary calls, asking whether to be listed in an intermediary agency, and no buyers have consulted.
Intermediary: little impact
As soon as the news that Hangzhou launched the function of "listing houses independently by individuals" came out, the share price of shells fell by nearly 15%.
However, some Hangzhou intermediaries told the reporter of International Finance News that "the impact is not great, just one more channel". Intermediary has the necessity of its existence, and the price and many details still need to be discussed.
In view of this situation, the owner Yu Xiansheng also has this concern. Direct contact is one thing, but many subsequent processes are not clear to us for the first time, and direct trading may be risky. Whether or not to go through an intermediary is also a 50-50 split, depending on the sincerity and character of the buyer.
Song Hongwei thinks that from the perspective of transaction cost, it can really save an intermediary fee. It's good for the buyer. In some cities, the intermediary costs need to be borne by buyers, but in the case of saving capital costs, it may take more time costs, because the transaction cycle of the second-hand housing market is long, and all links need the participation of buyers, especially first-time buyers.
It is predicted that the initial trial stage may be generally effective, especially for those who expect to sell houses at high prices, and may not be inclined to hang on this platform, even if they hang up, they may not pass the verification. If the current city agency fees are all borne by buyers, the enthusiasm of sellers hanging on this platform will be further reduced, because the original agency service now requires sellers to accompany them all the time.
In fact, Hangzhou's "second-hand housing transaction supervision service platform" was launched as early as 20 16.
2065438+2006 10, Hangzhou launched the "Hangzhou second-hand housing transaction supervision service platform". Through system optimization, function updating and service upgrading, it will be turned into a comprehensive management service platform integrating brokerage institutions and personnel management, housing management and information publicity.
Up to now, the platform has realized real-time publicity of information of 997 brokerage institutions, 3,293 stores and 97,400 employees; Accumulated 6,543,800+0.94 million sets of listed houses, involving 4,565,438+0.8 million sets of houses; The total number of transaction evaluations reached 307,600, of which 307,200 were satisfied, with a satisfaction rate of 99.84%; A total of 569 industry inspection announcements were issued, 558 enterprises were listed in the abnormal business list, 22 were listed in the industry disciplinary list, and 7 were listed in the risk warning list.