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为二手房交易开启“支付宝”模式叫好

2017-09-06 06:02:08   中国青年网

长沙晚报评论员 袁云才

近日,长沙市不动产登记中心正式推出二手房交易资金监管业务,交易过程及资金真正实现“全程监管”。据介绍,资金监管的性质类似于“支付宝”,无需房屋中介机构,只要交易双方协商一致,就可以将房屋交易资金存入二手房交易资金监管专用账户,待交易完成后划入卖方结算账户,从而实现“一手交钱,一手交房”的目的。“就像支付宝一样,货不到不付款,同理,不‘过户’不给钱。”

(9月4日《长沙晚报》)

长沙的二手房交易正式开启“支付宝”模式,是“互联网+”时代一项既简单又很实用的便民举措。说它简单,是因为伴随电子商务而产生的支付宝,存在已有十多年之久,有足够成熟的系统、模式、方法可供借鉴,在全国其他一些城市,也已有二手房“支付宝”的试水可供参考。说它实用,则更显而易见,正如长沙市不动产中心有关负责人所说的,“有了这一免费平台,市民买卖二手房不仅免去了‘多头跑路,多次排队’的困扰,甚至不用找中介,就能直接完成全部交易,省时省钱更省心。”

众所周知,传统的二手房交易,中介起着十分重要的作用,包括提供房源信息、为讨价还价做沟通、跑腿排队办手续等,其中一个关键性的作用就是确保买卖双方都信得过对方。二手房交易从签合同、过户、办按揭到交房,往往需要一个多月时间,因为有了中介公司参与,买方交钱才能放心些,卖方也才敢在未收到全款的情况下办过户手续。这一过程,中介实际起到了至少是心理上的“担保”作用,一旦出了问题,双方都觉得有个地方可找。也正因如此,中介费收得比较高,长沙的行情,一般是向买方收房款的2%,向卖方收1%。一套百万元的房子,中介费就花去3万元,加上中介收的按揭贷款担保费、手续费等,这些额外费用(不含政府部门收的税费)就要花去5万余元。二手房的交易成本,无形中变得很高,这显然对买卖双方都不利。一些黑心中介,还玩虚假房源等欺诈勾当,更是破坏了房地产市场的健康发展。

如今“支付宝”模式的运用,则无异于对黑心中介和高价中介挥了当头一棒。有了这一政府部门主导的“保险箱”,买卖双方都可以放心大胆地交易,不必再如履薄冰一般担心对方耍滑头、设圈套了。它不仅大大方便了市民,减轻了百姓负担,而且将给市场带来至少三大变化:一是通过无形之手,促使想生存的中介公司提供更优质、更优价的服务;二是一些手续有问题的二手房将被这一平台所排斥,可促使房地产登记更加规范化;三是因为交易成本降低,二手房市场的发育必将更活跃且更稳健。

当然,二手房交易的“支付宝”模式毕竟还是个新事物,市民对于它的诸多功能和操作流程,并不太熟悉,很多人买房卖房还是通过中介。这有个慢慢熟悉、适应的过程。另外这种模式本身,也可能需在实践中不断完善。比如,平台将提供免费发布房源信息,如何做到便捷、有效、真实、避免信息过度重复?市民办理交易手续,平台可否提供相关指引和更多的直接服务?平台遵循的原则是“资金监管不收费、监管资金不计息”,监管资金多少也由买卖双方自主决定,这都很合理,但如碰上交易周期特别长的特殊情况,是否可考虑适当给予一定利息?对于违约一方,是否纳入征信记录?相信,这一模式在运用中,都会充分考虑予以完善。

二手房交易的“支付宝”模式,还为我们创新社会治理方式,提供了很多可资借鉴的思路,对于诚信社会的建设也将起到推波助澜的作用。希望这一模式尽快铺展、推广开来,尽早发挥它的鲶鱼效应和示范作用。

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