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社评“XXXXXL196_2222”-环球时报

拉萨市成功启动XXXXXL196_2222二手房“带押过户”业务 开启房产交易新篇章

来源: 山西晚报
2024-12-13 08:18:09

最佳回答

“XXXXXL196_2222”拉萨市成功启动XXXXXL196_2222二手房“带押过户”业务 开启房产交易新篇章

  中新XXXXXL196_2222网拉萨12月11日电(泽塔雍XXXXXL196_2222措)西藏拉萨市在10日正式启动二手房“带押过户”这一新的业务模式,当日,西藏首笔该业务在现场成功办结,标志着拉萨市在优化房地产交易流程、提升不动产流动性上取得关键突破。

  拉萨市不动产登记中心主任关辉辉介绍,传统带押房产转让中,卖方需先还清贷款、注销抵押登记方可过户,常产生高额“过桥费”,流程繁琐、成本高昂。“带押过户”新模式打破僵局,卖方无需提前还贷与注销抵押,借由新旧抵押权分段,实现“借新贷、过户、还旧贷”,大幅缩短交易时长、削减成本,保障双方权益,有力激活房地产市场。

  据了解,此业务落地获当地金融机构积极响应。浦发银行拉萨分行近年凭借“数智化”创新成果,实现按揭贷款多项流程电子化、线上化。此次深度参与“带押过户”,其总分行精心编制操作规程、筑牢风险防控,确保业务顺畅推行,成为拉萨市首个试点合作银行。

  拉萨市自然资源局党组成员、副局长加央旺加表示,浦发银行拉萨分行是我市“带押过户”的首个试点合作银行,下一步自然资源局将加大与有关部门、金融机构的沟通,拓展“带押过户”业务的深度和广度,不断深化“带押过户”便民利企服务。

  浦发银行拉萨分行副行长陈治龙表示,浦发银行正在西藏自治区打造“雪域高原,按揭靠浦”的零售贷款品牌,将以本次“带押过户”业务的推出为契机,强调金融服务的政治性、人民性,履行好社会责任,关注民生福祉,为经济社会发展注入源源不断的金融活水。(完)

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