Mortgage transfer can solve the problem of many people selling houses.
You can try to understand this: mortgage transfer is a second-hand housing transaction rule, which can help people prevent mortgage cancellation. No matter whether someone has repaid his personal housing loan or not, if he wants to sell his house, he only needs to find a normal housing transaction agreement. In order to do this, many buyers have to raise funds to sell houses, which will not only cause certain losses to buyers, but also extend the trading cycle.
There are many advantages in transferring ownership with property.
It is precisely because pledge transfer can directly simplify the purchase process, so pledge transfer can not only facilitate ordinary buyers and sellers, but also drive the transaction of the whole second-hand housing market. Especially for the latter, due to the shrinkage of second-hand houses in many cities, this problem will also lead to a sharp decline in the real estate market in many places. If we can solve the difficulties of second-hand housing transactions, it will undoubtedly stimulate the real estate market in several places.
In addition, we can understand this measure as an adaptation and optimization measure for the second-hand housing market. After taking this measure, the transaction volume of second-hand houses has increased in almost all cities that have taken relevant measures. Mortgage transfer can simplify the transaction process between buyers and sellers, reduce costs and risks for both parties' transactions, and promote the development of the second-hand housing transaction market. Jinan, Shenzhen and other cities have begun to implement the second-hand housing mortgage transfer policy. After the implementation of this policy, many users who want to buy second-hand houses can buy them with confidence, which speeds up the process of second-hand housing market transactions to a certain extent and brings high income peaks to many local brokers.