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记者近日从市不动产登记和交易中心获悉,为促进交易良性循环、激发市场活力,福州市已实施“带押过户”,为市民买卖房产提供更多便利。

据了解,要交易正在抵押、未还清贷款的房产,交易双方大多只能先由买方垫资或卖方自行筹借款项,然后卖方去银行还贷、解除抵押,房屋过户后,买方再办理抵押贷款。这种模式所花时间长,手续繁杂且成本高,存在一定的风险。

《民法典》施行后,明确了房屋作为物的属性,带来了抵押权设立在“物”上而非“人”上观念的转变。“带押过户”模式的出现,让买卖双方可选择将还款解押环节置于交易登记环节之后,畅通交易渠道。具体办理中,存在抵押的房产要上市交易并选择“带押过户”模式的,既无须垫付资金也无须先行解押,与银行沟通好后买方把房款打到特设的监管账户,买卖双方正常办理房屋交易登记后,再将提存的房款打给卖方,卖方可在收到房款后用以还清贷款并解押。


来源:福州日报
编辑:翁彬冰 责编:庄颖

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福州实施“带押过户” 为市民买卖房产提供更多便利

2022-09-13 09:26   福视悦动  

记者近日从市不动产登记和交易中心获悉,为促进交易良性循环、激发市场活力,福州市已实施“带押过户”,为市民买卖房产提供更多便利。

据了解,要交易正在抵押、未还清贷款的房产,交易双方大多只能先由买方垫资或卖方自行筹借款项,然后卖方去银行还贷、解除抵押,房屋过户后,买方再办理抵押贷款。这种模式所花时间长,手续繁杂且成本高,存在一定的风险。

《民法典》施行后,明确了房屋作为物的属性,带来了抵押权设立在“物”上而非“人”上观念的转变。“带押过户”模式的出现,让买卖双方可选择将还款解押环节置于交易登记环节之后,畅通交易渠道。具体办理中,存在抵押的房产要上市交易并选择“带押过户”模式的,既无须垫付资金也无须先行解押,与银行沟通好后买方把房款打到特设的监管账户,买卖双方正常办理房屋交易登记后,再将提存的房款打给卖方,卖方可在收到房款后用以还清贷款并解押。


来源:福州日报
编辑:翁彬冰 责编:庄颖