二手房带押过户是什么意思-楼盘网

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<p>二手房带押过户是指不用先归还原来的房贷就可以完成交易、发放新的贷款，新贷款发放的同时也完成了原贷款的结清和房产的交易过户。</p><p>二手房带押过户的方式减轻了“过桥资金”烦恼，降低了房屋“入市门槛”，增加了买卖双方更多的可选择性，降低二手房在市场上的流通成本，扫清了交易障碍，进一步充实二手房市场活力。</p><p style="text-align: center"><img src="https://static.loupan.com/newsimg/image/2022/0817/1535088737881.png" title="二手房" alt="12.png"/></p><p>为让群众享受更便利的登记服务，针对二手房交易过程中多部门分开办理时间长、买卖交易风险高、资金成本高的问题，市自然资源和规划局协同市住房公积金中心和银行、公证等机构历时近半年积极探索，在全国首次创新推出二手房“带押过户”登记新模式，对于存在抵押的房产要上市交易的，实现了不用先归还原来的房贷就可以完成过户、抵押、发放新的贷款，提高交易质量，降低交易成本。</p><h2><strong>二手房带押过户的好处</strong></h2><p>“带押过户”实施后，“进一个窗口，提交一套材料，办理一次业务”，买卖双方无需跑腿，转移和抵押“双预告登记”通过银行就可以完成线上申请，转移登记和抵押登记可同步办理，抵押预告登记自动转为本登记，卖方在办理转移登记的当天或第二天就可以拿到购房款，结清原银行贷款。一方面减少了群众跑腿次数，另一方面，办理时限由原先的十几天压缩至1-3个工作日办结，将进一步激发二手房市场的交易活力，为市场注入新的动力。</p> </div> <div class="pq"> <object> <a href="https://www.loupan.com/bk/tag_1162/" target="_blank"><span class="first">二手房过户</span></a></object> <object> <a href="https://www.loupan.com/bk/tag_2429/" target="_blank"><span class="second">二手房交易</span></a></object> </div>   <div 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二手房带押过户是什么意思-楼盘网