The mortgage of second-hand housing in Ji'nan will be "speeded up"
25 day, the Ji'nan housing security and Property Management Bureau property registration center held a press conference to publicize the record system for the business license of the financial institutions to serve the needs of the people. According to the introduction, the greatest benefit of the system is to simplify the procedures of the second-hand housing transaction process to check the original parts of the business license of the financial institutions, and the financial institutions that have already put on record can be submitted as long as the copy is submitted. After the implementation of the filing system, a mortgage loan process that might have taken 20 days to complete is now completed in about 10 days.
it is a common phenomenon that it is a common phenomenon to buy a low efficiency of
to buy a house by loan in real life, but the financial institution should provide the corresponding original business license in the process of mortgage registration in the housing registration department. "There is only one original of the business license for financial institutions. There may be a number of ten mortgages to be handled by a financial institution every day. One original copy is used repeatedly. The waiting line is a common event and the efficiency is very low." Du Jiangang said that many inconvenience also led to the destruction of business license. To solve this problem, the Housing Authority set up a business license filing system for financial institutions.
the record system for the business license of a financial institution means that when the information of the business license of a financial institution is put on record by the registration department of the house, the original part of a business license is no longer provided in the registration of the mortgage right of the house, and a copy of a business license with a official seal may be submitted as a confirmation of the registration agency. A copy of the original piece.
the person in charge of Ji'nan housing security and Housing Authority introduced the system to save time for the parties to handle business.
under the record system for the loan save time half
in the Bank of the Bank of the Bank of the Bank of the Bank of credit, the relevant person in charge of the original, the original only use the original business license is the biggest disadvantage is not to achieve multiple areas at the same time. At the same time, there are strict rules and procedures for the use of the original part of the bank. The original process of repeated flow has also cost a lot of working time. And after the establishment of the record system, only need to use the copy of the seal, break the original "one original and other use" of "imprisonment", can achieve multiple areas and multiple households at the same time.
for the public, after the implementation of the record system, due to the process of shortening, the bank people introduced that the original process of a loan to complete the completion of the process will take about 20 days, now only 10 days, reduced by half.
filing, the financial institutions apply to the housing security and real estate registration center of the Municipal Housing Security Bureau, and submit the letter of commitment, the letter of commission, the original and copy of the owner's identity card, the original and the copy of the business license. After the registration department is accepted, the information system of the house registration is recorded by the name of the record organization, the start and end time of the record and the name of the operator, and the original parts are photographed.
Du Jiangang, director of the Ji'nan housing property registration center, said that, in order to prevent the risk, the registration agency will focus on the record information of the business license in January every year after the record of the business license. When changing the business license information of a financial institution, it is necessary to change the record information in time. When handling the registration of mortgage rights, the housing registration institution will check the record information of the business license as a reference basis for acceptance and examination.