This mode is realized by Hefei Housing Security and Real Estate Administration in conjunction with relevant departments and by building an online service platform.
Hefei Real Estate Bureau explained that house exchange refers to a two-way transaction in which the owners of two houses exchange houses at the same value or price difference, which is a special form of house sale. After users register and fill in the replacement intention on the replacement service platform of Hefei stock house, they can accurately push the intended housing information through intelligent analysis and matching of big data.
It is reported that the stock houses that have obtained the certificate of immovable property rights (including the house ownership certificate) and can be listed and traded in Hefei urban area can be exchanged for property rights. The degree after the housing swap transaction shall be implemented according to the current Policy of Years of Education for Complete Houses in Urban School Districts.
A related person from Hefei Real Estate Bureau told reporters that Hefei launched this business mainly to meet the diversified needs of the market and facilitate the people to handle housing exchange to the greatest extent.
The above-mentioned people told reporters that the platform currently mainly provides services such as housing verification, housing release and offline store assistance. For the houses published online, we must first verify the basic situation of the houses, review the mortgage situation of the houses, and whether they have been sealed up. To ensure that the house is real and effective. After the verification is completed and passed, it can be published and signed on the platform.
"Owners who need it can negotiate and change houses independently according to the platform information. After paying the deed tax, individual tax and other corresponding taxes, the owner can complete the house exchange without paying the intermediary fee. In addition, there are 8 offline stores that provide a certain range of auxiliary services, such as housing appraisal consultation, exchange agreement signing, and property right transfer registration. " A related person from Hefei Real Estate Bureau said.
According to the information released by Hefei Real Estate Bureau, Hefei Housing Leasing Development Co., Ltd. (hereinafter referred to as Hehe Company) is a specialized state-owned enterprise engaged in housing leasing and housing transactions. Hopewell will provide free housing replacement services for the eight stores that assist the housing replacement business.
A staff member of Qingyang Road Store of Hefei Housing Enterprise told the reporter that housing exchange in Hefei is an independent behavior between owners with the help of the platform, and Hefei housing enterprises can provide auxiliary services according to the needs of owners. The pilot period is 65438+ from February this year to the end of next year. During this period, the housing replacement related services provided by several offline stores of Hopewell Company are free.
"Changing houses seems simple, but there are many links involved, and you will also encounter problems such as the price difference between two houses, mortgage loans, cross-regional transactions, and property rights management. It is not easy to complete all the processes. Since there are no trading cases, we are currently providing consulting services and cannot analyze more details. " The above-mentioned joint housing enterprises said.
Regarding whether the swap houses are still repaying loans and whether the swap can achieve "mortgage transfer", the relevant person of Hefei Real Estate Bureau responded to the reporter that it is possible to achieve "mortgage transfer" when two houses apply for loans in the same bank, but it is difficult to achieve "mortgage transfer" when the swap houses are loaned in two different banks.
"This situation often requires the owner to settle the loan and go through the corresponding procedures before the exchange can be completed." The above-mentioned person from Hefei Real Estate Bureau said.
Jaco, dean of 58 Anjuke Real Estate Research Institute Branch, pointed out that this concept is not new and Hefei is not the first one.
"In the 1980 s and 1990 s, Shanghai proposed the model of' replacement' of houses. At that time, there was a' house replacement' company specializing in house replacement, but it was mainly public housing rather than commercial housing. " Jaco said.
Xu Xiaole, chief market analyst of RealData, said that besides Hefei, there are also housing exchanges in other cities such as Beijing, but compared with the huge transaction volume of the second-hand housing market, there are fewer cases of such exchanges in one year.
"This way is more suitable for familiar owners, and transactions can be completed without an intermediary, but the bigger market is transactions between strangers. At present, such a transaction is unlikely to form a large-scale market, but a niche and segmented market. " Xu Xiaole said.
Lu Wenxi, senior research manager of Zhongyuan Real Estate, also believes that it is difficult to form a large market scale for second-hand housing exchange, and point-to-point exchange can only be completed in a small scope.
"Hefei's housing transactions have added a choice for market transactions through the platform built by the government, which is worthy of recognition. However, it should be noted that changing houses can only meet a small part of the demand in the stock market. For owners who need to change houses, due to the differences in housing lots, floors and prices. The number of real swaps is limited. " Lu Wenxi said.
Jaco pointed out that the market demand is diversified. Some owners sell houses to replace new houses, not necessarily buying second-hand houses, and some owners sell second-hand houses and realize them directly. These needs can't be realized just by changing rooms.
"If the platform can form a large-scale housing library and form an aggregation effect, and then accurately match the demand for adjustment through government big data intelligence, it will increase the choice space for adjustment. On this basis, if other types of transactions other than second-hand housing transactions can be added, it will be more attractive to the market. " Jaco added.