What is the impact of the optimization of the transfer fund policy with mortgage?

The optimization effect of "mortgage to provident fund" policy is to alleviate the financial pressure of buyers.

In the past, property buyers had to pay off all the money in a lump sum, which was a huge burden for many people. With the optimization of the provident fund policy, buyers can pay the house payment by installments through provident fund loans, which is a good way for buyers to ease the funds. The interest rate of provident fund loans is relatively low, which also saves a lot of interest expenses for buyers.

Housing transfer requires buyers to provide a certain down payment. Now with the optimization of provident fund policy, buyers can pay down payment through provident fund loans, and the approval process of provident fund loans is also relatively fast, which can save a lot of time and energy for buyers. The repayment method of provident fund loans is also flexible, which can be adjusted according to the actual situation of buyers, and can provide more repayment options for buyers.

Business characteristics of "mortgage transfer":

Before the implementation of "real estate transfer with mortgage", for enterprises and people, if the mortgaged real estate is transferred, it is necessary to raise funds to repay the loan and cancel the real estate mortgage, and then transfer the real estate, apply for a new loan and register a new mortgage, which is not only costly, time-consuming and complicated.

After the reform of "mortgage transfer", it can greatly save real estate transaction time and reduce transaction difficulty and cost. Compared with the traditional second-hand housing transaction mode, it saves the "bridge-crossing" link for the seller to return the housing loan for the first time, reduces the transaction cost of second-hand housing, shortens the transaction time, is conducive to stimulating the transaction vitality of the second-hand housing market, is conducive to better meeting the rigid and improved housing needs of citizens, and promotes the virtuous circle and healthy development of the real estate market.