房产下午茶|又一城支持“带押过户”，二手房交易新模式受热捧-乐居买房指南

<!DOCTYPE html> <html lang="zh"> <head> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1.0, maximum-scale=1.0, user-scalable=0, minimal-ui"> <meta name="format-detection" content="telephone=yes" /> <meta name="applicable-device" content="mobile"> <title>房产下午茶|又一城支持“带押过户”，二手房交易新模式受热捧-乐居买房指南</title> <meta name="Keywords" content="房产下午茶|又一城支持“带押过户”，二手房交易新模式受热捧" /> <meta name="Description" content="12月27日，成都市不动产登记中心发文称，成都市规划和自然资源局协同住建部门、公积金中心、银行等部门积极探索，率先推出二手房带押过户“套餐式" /> <script type="text/javascript" src="//res.leju.com/resources/app/touch/leju/v6/js/index.js"></script> <script src="//cdn.leju.com/sso/sso.js "></script> <link rel="stylesheet" href="//res.leju.com/resources/app/touch/leju/v6/styles/styles.css"> <link rel="stylesheet" href="//res.leju.com/assets/app/leju-baike/v1/baike.css"> <link rel="stylesheet" href="//res.leju.com/resources/comment-fe/default/v1/css/comment-dsp.css"> <script> var _hmt = _hmt || []; (function () { var hm = document.createElement("script"); hm.src = "https://hm.baidu.com/hm.js?617a4a3965d42442e20797832b2ffe65"; var s = document.getElementsByTagName("script")[0]; s.parentNode.insertBefore(hm, s); })(); </script> </head> <body class="zwt_bodycolor"> <div class="scrollBox"> <div id="suf_header" class="none" data-adtags="B10" title="固定ad750*247)"></div> <div class="navBox"> <div class="navLeft"> <div class="navBack"></div> </div> <div class="navCenter"> 买房指南 </div> <a class="navRight share sharebtn" data-lejushare='{"title":"\u623f\u4ea7\u4e0b\u5348\u8336|\u53c8\u4e00\u57ce\u652f\u6301\u201c\u5e26\u62bc\u8fc7\u6237\u201d\uff0c\u4e8c\u624b\u623f\u4ea4\u6613\u65b0\u6a21\u5f0f\u53d7\u70ed\u6367","desc":"","link":"https:\/\/baike.leju.com\/www-7014212072083076219.html?xcx=0","img":"http:\/\/res.leju.com\/resources\/app\/touch\/news\/v1\/images\/share_logo.png","url":"https:\/\/baike.leju.com\/www-7014212072083076219.html?xcx=0"}'> </a> </div>                            <div class="ztt_outer ztt_outer_h ">  <div class="ztt_blk ztt_zw "> <h2>房产下午茶|又一城支持“带押过户”，二手房交易新模式受热捧</h2> <div class="info "> <span class="l "><a href="# ">乐居买房</a>2022-12-29 20:54:35</span> </div> <div class="con "> <p>12月27日，成都市不动产登记中心发文称，成都市规划和自然资源局协同住建部门、公积金中心、银行等部门积极探索，率先推出二手房带押过户“套餐式”登记新模式。<br/></p><p style="text-align: left;">据了解，成都此次推出的新模式，对于存在抵押的房产要上市交易的情况，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，可以节约时间和资金成本，同时提升二手房交易安全性。</p><p style="text-align: left;">成都市不动产登记中心方面表示，该模式有效解决二手房交易过户中“转贷”办理时间长、交易风险高等问题，更好满足刚性和改善性住房需求，促进房地产市场平稳健康发展。</p><p style="text-align: left;">目前，成都市已在建设银行、工商银行成功试点“带抵押过户”。</p><p style="text-align: left;">实际上，自今年8月以来，二手房“带押过户”由济南率先推出，并陆续有多个城市跟进。据克而瑞数据显示，截至目前，已有深圳、苏州、济南等16城完成首笔二手房“带押过户”业务，广州、西安、徐州等城市也发文推广二手房“带押过户”。此外，北京则试行“连环单”业务并行办理。</p><p style="text-align: left;">之所以“带押过户”能“带”起一波风潮，正是因为这种新模式能够有效减少二手房的交易的时间和资金成本。</p><p style="text-align: left;">在传统的二手房交易中，需要先还清按揭再做解押、过户，对于原房主和购房者的短期资金周转压力都较大，而在新模式下，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，提高了交易效率，并降低了交易成本。</p><p style="text-align: left;">针对“带押过户”这一模式是否能带动本地二手房市场回暖，效果尚有待观察。这一模式本身也存在一定的风险，各地也仍处于摸索试行阶段，且多数“带押过户”以在同一银行续贷为主，实际完成交易的案例目前并不多。</p><p style="text-align: left;">部分业内人士认为，这一新模式的确可以提高二手房的交易效率，有望在短期内促进二手房市场的回暖。但由于当前试行时间较短，交易过程中的潜在风险和后续问题尚未有足够的案例，其对市场的长期影响尚有待进一步观察。</p> </div> </div> </div>  <div class="tols"> <a href="https://baike.leju.com/www-7013331899334833647.html"> <div class="item"> <span>上一篇：</span> <p>房产下午茶|东莞全域取消限购热点城市松绑进行时</p> </div> </a> <a href="https://baike.leju.com/www-7014474499035018812.html"> <div class="item"> <span>下一篇：</span> <p>装修时怎么判断哪个是承重墙？为什么不能动承重墙</p> </div> </a> </div>   <div class="aubotTile"> <p>相关推荐</p> </div>  <div class="aboutListBox"> <div class="aboutItem"> <a href="https://baike.leju.com/www-7211676549190562984.html">北京落地！首套房首付比例20%！贷款利率降至3.5%！</a> </div> <div class="aboutItem"> <a href="https://baike.leju.com/www-6877493505573565554.html">钱被开发商合伙人卷走了九旬奶奶“入住”售楼部帮维权</a> </div> <div class="aboutItem"> <a href="https://baike.leju.com/www-7143507834318403243.html">楼层越高，房子就越好？买高层有这些注意事项要牢记</a> </div> </div>  <div class="latestBox"> <div class="latestTitle">最新知识</div> <div class="latestList"> <div class="item"> <a href="www-7148961889077474875.html"> <div class="left"><img src="https://ess.leju.com/fictitious/photo/65916ab3b64a50092f5dff1f1bda0278_S750X0.JPG" alt=""></div> <div class="right"> <div class="rightTitle">长期空置的房子还需要交物业费吗 </div> <div class="botNav"> <div class="botItems"><a href="https://baike.leju.com/bj/sfyf-2/">物业</a> </div> <div class="botItems">原创</div> <span>01-05</span> </div> </div> </a> </div> <div class="item"> <a href="www-7143866191587882106.html"> <div class="left"><img src="https://ess.leju.com/house/photo/42-1-IwUQUTpTnc16BWn3jBP1ASsy2oMJcYumkIrFbEVBCOOlhJQmsmHvx72rOF5RLwpVoOmS8NcHfhBeoYLh_s220X164.png" alt=""></div> <div class="right"> <div class="rightTitle">连续四个月“按兵不动”12月LPR出炉 </div> <div class="botNav"> <div class="botItems"><a href="https://baike.leju.com/bj/dkhk-3/">商业贷款</a> </div> <div class="botItems">原创</div> <span>12-22</span> </div> </div> </a> </div> <div class="item"> <a href="www-7143176164121818116.html"> <div class="left"><img src="https://ess.leju.com/fictitious/photo/218680912932229120-30-8ac8e61bf2e547e6be13ba75df8ffb11_S750X0_s220X164.jpg" alt=""></div> <div class="right"> <div class="rightTitle">保交楼不等于保开发商？资深律师为防范化解房地产风险提出四点建议 </div> <div class="botNav"> <div class="botItems"><a href="https://baike.leju.com/bj/tswq/">投诉维权</a> </div> <div class="botItems">原创</div> <span>12-20</span> </div> </div> </a> </div> <div class="item"> <a href="www-7138715791427679521.html"> <div class="left"><img src="https://ess.leju.com/fictitious/photo/377131130954063872-30-ea7b55ee416344fbabe5f2efa404502c_S750X0_s220X164.jpg" alt=""></div> <div class="right"> <div class="rightTitle">贷款买房时，组合贷款流程是什么？ </div> <div class="botNav"> <div class="botItems"><a href="https://baike.leju.com/bj/dkhk-4/">组合贷款</a> </div> <div class="botItems">原创</div> <span>12-08</span> </div> </div> </a> </div> <div class="item"> <a href="www-7125752388572723016.html"> <div class="left"><img src="https://ess.leju.com/fictitious/photo/245227413636780032-30-591351fe5e3d4e1aa3b9790540d308e5_S750X0_s220X164.jpg" alt=""></div> <div class="right"> <div class="rightTitle">买房必读！订金能退定金不能退？ </div> <div class="botNav"> <div class="botItems"><a href="https://baike.leju.com/bj/rgxf-1/">交定金</a> </div> <div class="botItems">原创</div> <span>11-02</span> </div> </div> </a> </div> </div> </div>  <div class="latestBox"> <div class="latestTitle">知识推荐</div> <div class="latestList"> <div class="item"> <a href="www-6881165131469075764.html"> <div class="left"><img src="https://ess.leju.com/house/photo/55-1-r9HANrUrSA0ua6QZrBGDOlYV2MjPUrYVjLFtUxxRP6ympBGMHaCmQKseVnge7epVBhAEJGCeA10VU395_s220X164.jpeg" alt=""></div> <div class="right"> <div class="rightTitle">房屋产权70年到期后怎么处理？ </div> <div class="botNav"> <div class="botItems"><a href="https://baike.leju.com/bj/zbmf-3/">购房政策</a> </div> <span>12-28</span> </div> </div> </a> </div> <div class="item"> <a href="www-6881147908398560563.html"> <div class="left"><img src="https://ess.leju.com/house/photo/55-1-r9HANrUrSA0ua6QZrBGDOlYV2MjPUrYVjLFtUxxRP6ympBGMHaCmQKseVnge7epVBhAEJGCeA10VU395_s220X164.jpeg" alt=""></div> <div class="right"> <div class="rightTitle">房地产税和房产税是一样的么？分别有什么区别？ </div> <div class="botNav"> <div class="botItems"><a href="https://baike.leju.com/bj/zbmf-3/">购房政策</a> </div> <span>12-27</span> </div> </div> </a> </div> <div class="item"> <a href="www-6881140335528162431.html"> <div class="left"><img src="https://ess.leju.com/house/photo/55-1-r9HANrUrSA0ua6QZrBGDOlYV2MjPUrYVjLFtUxxRP6ympBGMHaCmQKseVnge7epVBhAEJGCeA10VU395_s220X164.jpeg" alt=""></div> <div class="right"> <div class="rightTitle">什么是房地产税？房地产税具有哪些特征？ </div> <div class="botNav"> <div class="botItems"><a href="https://baike.leju.com/bj/zbmf-3/">购房政策</a> </div> <span>12-27</span> </div> </div> </a> </div> <div class="item"> <a href="www-6874633253303923986.html"> <div class="left"><img src="https://ess.leju.com/house/photo/55-1-r9HANrUrSA0ua6QZrBGDOlYV2MjPUrYVjLFtUxxRP6ympBGMHaCmQKseVnge7epVBhAEJGCeA10VU395_s220X164.jpeg" alt=""></div> <div class="right"> <div class="rightTitle">满足以下10种条件之一的新房，业主都可以找到开发商进行退定！ </div> <div class="botNav"> <div class="botItems"><a href="https://baike.leju.com/bj/zbmf-3/">购房政策</a> </div> <div class="botItems">原创</div> <span>12-09</span> </div> </div> </a> </div> <div class="item"> <a href="www-6871387403542901796.html"> <div class="left"><img src="https://ess.leju.com/house/photo/55-1-r9HANrUrSA0ua6QZrBGDOlYV2MjPUrYVjLFtUxxRP6ympBGMHaCmQKseVnge7epVBhAEJGCeA10VU395_s220X164.jpeg" alt=""></div> <div class="right"> <div class="rightTitle">婚姻关系中的共同财产详细划分，一文读懂有理有据！ </div> <div class="botNav"> <div class="botItems"><a href="https://baike.leju.com/bj/zbmf-3/">购房政策</a> </div> <div class="botItems">原创</div> <span>11-30</span> </div> </div> </a> </div> </div> </div>   <div class="sf_public_box ">                                                 <div class="sf_content_statementOut "> <div class="sf_content_statement "> 重要提示：本页面内容，旨在为满足广大用户的信息需求而采集提供，并非广告服务性信息。页面所载内容不代表本网站之观点或意见，仅供用户参考和借鉴，最终以开发商实际公示为准。商品房预售须取得《商品房预售许可证》，用户在购房时需慎重查验开发商的证件信息。本页面所提到房屋面积如无特别标示，均指建筑面积。 </div> </div> <div class="sf_content_crumbs "> <a href="https://baike.leju.com/">乐居百科</a><span class="line"></span><a href="https://baike.leju.com/bj/zbmf/">准备买房</a><span class="line "></span><cite><a href="https://baike.leju.com/bj/zbmf-3/">购房政策</a></cite> </div> </div>                                                       </div>                                                                             <div class="sf_footer "> <div class="seoLogo "> <i></i> </div> <div class="channel "> <span><a href="//m.leju.com/house/bj/s/ ">新房</a></span><span><a href="//m.leju.com/touch/esf/bj/ ">二手房</a></span><span><a href="//jiaju.sina.cn/ " rel="nofollow ">家居</a></span><span><a href="http://m.7gz.com/?city=bj " rel="nofollow ">装修</a></span> </div> <div class="nav "> <a href="//m.leju.com/m.leju.com/static_html/license.html " rel="nofollow ">证照资质</a><i></i> <a href="//m.leju.com/set_city.html?mod=index ">网站地图</a><i></i> <a href="//m.leju.com/set_city.html?mod=touch_house_index ">全国新房</a><i></i> <a href="//m.leju.com/house/bj/housesitemap/ ">楼盘地图</a><i></i><a href="//m.leju.com/tools/ ">房贷计算器</a> </div> <div class="ba ">京ICP证B2-20180524号京公安备案11010502039463号</div>  </div>    <script src="//res.leju.com/assets/app/touch/v6/jweixin-1.6.0.js"></script> <script src="//res.leju.com/assets/modules/wxshare/v2/wxshare.js?v2"></script> <script type="text/javascript"> wxShare.init({ title: "房产下午茶|又一城支持“带押过户”，二手房交易新模式受热捧", desc: "", link: "https://baike.leju.com/www-7014212072083076219.html?xcx=0", imgUrl: "http://res.leju.com/resources/app/touch/news/v1/images/share_logo.png" }); </script> <script type="text/javascript"> var isdirect = "1"; // 是否直营城市 var forbidden_words_status = '1'; //禁词 var pageConf = { baseParam: { city: "www", id: "7014212072083076219", //新闻id hid: "0", type: "news", zid: "", topcolumn: "新房知识", uid: "0", //用户id author_uid: "0", //乐居号 authorid is_app: "0", user_agent: "browser", back_url: "/circle/www.html", lz_status: "0", //留咨弹窗样式 refer: "0", app: "lejuplatform://buyhousecircle/entry", //APP链接 }, urls: { searchMemberGroup: "//huodong.leju.com/api/searchMemberGroup?sync=1", //获取群号 getNewsHouseCard: "//m.leju.com/m.leju.com/index.php?site=js&ctl=House&act=getNewsHouseCard", //获取楼盘卡片接口 followUser: "//m.leju.com/m.leju.com/index.php?site=js&ctl=users&act=followUser", //乐居号关注或取关 urlCollect: "//m.leju.com/m.leju.com/?site=js&ctl=js&act=get_collect_data&type=zx_xq&city=www&custom_id=6864481631022134676", // 收藏接口 urlCollected: "//m.leju.com/m.leju.com/?site=js&ctl=js&act=if_collect_data&type=zx_xq&city=www&custom_id=6864481631022134676", // 是否收藏 getNewsHids: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=getnewshids", //根据批量楼盘获取新闻 getNewsFloat: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=getNewsFloat", //取底部浮层信息 getFangshouData: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=getfangshouyouxuan&news_type=news&city=www", //取房首标签数据 getCitySpecialData: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=getCitySpecial&city=www&type=news", //取城市专题数据 noCheckedLz: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=lzNoChecked&id=6864481631022134676&news_type=news", //手机号留咨 floatLayerData: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=floatLayerData&id=6864481631022134676&city=www&type=news", //取浮层页面数据 xcxWatchInfo: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=getXcxWatchInfo&city=www&type=news&id=6864481631022134676", // 小程序围观信息 getXcxUrl: "//m.leju.com/m.leju.com/index.php?site=js&ctl=users&act=getScheme", //获取跳转小程序URL getCloudThemeList: "//m.leju.com/m.leju.com/index.php?site=js&ctl=Topic&act=getCloudThemeList&city=www", // 云主题评测入口 getWxXcxUrl: "//m.leju.com/m.leju.com/index.php?site=js&ctl=index&act=wxxcx_url", //获取小程序链接 getHouseReviewQcorde: "//m.leju.com/m.leju.com/index.php?site=js&ctl=House&act=getHouseReviewQcorde", //评测二维码 getCommunity: "//m.leju.com/m.leju.com/index.php?site=js&ctl=QrCode&act=getCommunity&sync=1&type=4&qrcode=1", //企业微信二维码 getCaiJingUrl: "", //财经活动url getCaiJingImg: "", //财经活动图片 } } </script> <script> //异步统计参数 var tongJiConfig = { city_topic: '#ln=m_news_info_zhuanti', // 城市专题 touch_open_app_click: "data-lejutj-event-name=\"touch_xzapp_click\" data-lejutj-event-params='{\"bid\":\"4\",\"city_en\":\"bj\",\"level1_page\":\"news\",\"level2_page\":\"new_info\",\"custom_id\":\"7014212072083076219\",\"hid\":\"\",\"tel1\":\"\",\"tel2\":\"\",\"loc_source\":\"hengqie\",\"news_source\":\"\",\"news_origin\":\"\",\"is_login\":\"\",\"pagetype\":\"\"}'", //打开APP-横切 } //各种来源数据 var QQBrowser_source = { //1.无优惠和活动的时默认留咨 2.居里咨询师留咨（评论） level_source: "", liuzi_addConsult: "", //置业顾问-动态留咨 liuzi_addDongtai: "", //400电话标识位 phone_400_bs: "8", //订阅功能 subsource: "", //关注 follow_subsource: "", //im localsource: "", //400电话和置业顾问接口传参数是否是eju专题的数据 is_eju: "", } </script> <script type="text/javascript " src="//res.leju.com/scripts/libs/zepto/v1/zepto.js "></script> <script> var apiconfig = { city: "www", } var pageConfig = {} var comment = {} </script>  <script type="text/javascript" src="//res.leju.com/assets/modules/lejushare/v4/lejushare.js"></script> <script src='//res.leju.com/assets/app/comment-fe/v4/comment.js'></script> <script type="text/javascript" src="//res.leju.com/assets/app/leju-baike/v1/lejubaike.js"></script> <script type="text/javascript" src="//res.leju.com/assets/app/leju-baike/v1/new.js"></script> <script type="text/javascript" src="//cdn-zb.leju.com/js/lejuplayer_2.1.0.min.js"></script> <script type="text/javascript" src="//res.leju.com/assets/modules/cardgroup/v1/cardgroup.js"></script> <script> var swiper1 = new Swiper('#swiper1', { autoplay: 2000, direction: 'horizontal', loop: true, //分页器 pagination: '.swiper-pagination', paginationType: 'bullets', paginationClickable: true, paginationElement: 'a', }); var swiper4 = new Swiper('#swiper4', { slidesPerView: 'auto' }); // var qrcode = new QRCode(document.getElementById("qrcode"), { // width: 140, // height: 140 // }); // let url = 'http://www.runoob.com'; // qrcode.makeCode(url); </script> <script type="text/javascript" src="https://cdn-zb.leju.com/statistics/prod/index.umd.min.js"></script> <script> window.pageDetail = { app_key: '99C71880CF9EBFD3',//见如上说明，必传 sdk_key: '99C71880CF9EBFD3',//见如上说明，必传 loc_province: '',//传页面城市的省份 loc_city: 'www',//传页面城市，区分城市的页面必传 cityen: 'www',//传页面cityen值 citypub: 'www',//传页面citypub值，区分城市的页面必传 uid: '',//传登录用户的乐居用户系统的uid，登录用户必传 custom_id: '7014212072083076219',//传页面custom_id值 long: '',//传页面定位的经度 lat: '',//传页面定位的纬度 }; var new_tongji_config = { page: [ { pageId: 0, pageUrl: window.location.origin + window.location.pathname, isAuto: 1, elementType: ['button', 'img', 'a', 'span', 'em', 'h1', 'h2', 'h3', 'h4', 'i'], defaultElementType: ['button', 'img', 'a', 'span', 'em', 'h1', 'h2', 'h3', 'h4', 'i'], customize: [], }, ], }; window.onload = function () { window.record.init({ app_id: window.pageDetail.app_key, uid: window.pageDetail.uid, dev: 'pre', //测试环境用dev，正式环境用pre config: new_tongji_config, }); }; </script> </body> </html>

CINXE.COM

房产下午茶|又一城支持“带押过户”，二手房交易新模式受热捧-乐居买房指南