The financial platform has been "upgraded three levels in a row" in the past four years, and has continued to promote the re-optimization of the business environment

Source: Yantai Daily - Big and Small News

Recently, the Yantai Municipal Bureau of Natural Resources and Planning, the Yantai Central Branch of the Chinese Bank and the Yantai Supervision Branch of the Banking and Insurance Regulatory Commission jointly issued the document "Notice on Comprehensively Promoting the Joint Office of "Internet + Real Estate Mortgage Registration"", officially launched the "Internet + Real Estate Mortgage Registration" financial platform version 3.0, on the basis of paperless, non-meeting, and full online office, further optimized the various types of business accepted by the platform. The unilateral application function of mortgage advance registration and the "intelligent approval" function of mortgage cancellation registration were introduced, and the paper materials for handling registration business were reduced, and all links and time were simultaneously compressed, so as to realize the "second batch and second handling" of mortgage cancellation, which further facilitated the enterprises and the masses.

46 banks with 219 convenience outlets

Assist mortgage registration "full online office"

What the masses need is what reform is directed towards. In the past four years, the "Internet + real estate mortgage registration" platform has achieved "three consecutive upgrades". As early as August 2018, the province took the lead in launching the "Internet + real estate mortgage registration" platform version 1.0 (hereinafter referred to as the mortgage financial platform), extending the real estate mortgage registration window to the outlets of banks and other financial institutions. Mortgagors can apply for mortgage registration online through the financial platform through the bank, and after reviewing and registering, the electronic certificate of mortgage is pushed to the bank through the platform, without printing paper certificates, so as to achieve the "no meeting approval" of mortgage registration business, and achieve the reform goal of "only entering one door" and "running at most once". At the same time, in terms of streamlining materials, one is to compress dozens of pages of main creditor's rights contracts and mortgage contracts into a "contract form", and the other is to introduce a bank identity information filing mechanism, which has filed identity materials such as business licenses, power of attorney, and legal person identity cards, and banks no longer need to submit them repeatedly, thus greatly reducing the burden on enterprises and the masses.

In August 2020, on the basis of fully soliciting the opinions of office staff, the city optimized and upgraded the financial platform business, launched version 2.0, realized new measures such as "push and acceptance" and "cancellation of paper materials", and established a bank evaluation mechanism. "Push is acceptance" means that the platform begins to accept the business at the same time as the bank submits the business, which is included in the statistics of the registration time limit, and the whole process from the bank push to the business settlement does not exceed 1 working day, and the mortgage cancellation registration is completed immediately. Through the business applied for by the mortgage financial platform, the registration agency only reviews the uploaded electronic materials, completes the review, registration and other links, the paper materials are kept by the bank, and the whole process is "paperless, no meeting" to handle mortgage registration, and truly realize the "whole process of online office".

Today, the city's financial platform has been optimized and upgraded from the initial 1.0 version to the 3.0 version, and has successively launched new measures such as "no meeting", "zero materials", "full online office", "no principal repayment portfolio business" and "intelligent approval". At present, it has signed contracts with 46 banks, set up 219 handling points, accumulated 200,000 mortgage registrations online, issued 170,000 electronic certificates of mortgage rights, and handled more than 9,000 mortgage rights cancellation registrations online, and about 80% of the business has been online, effectively serving the financial needs of the masses of enterprises.

Mortgage cancellation registration "second batch"

"Zero waiting" for the masses

The reporter learned from the Municipal Natural Resources and Real Estate Registration Center that the city's "Internet + Mortgage Registration" platform has now upgraded the automatic approval function of deregistration. When handling mortgage business, financial institutions check whether to allow unilateral application for cancellation in the system, and if they select "Yes", they can automatically cancel it in the subsequent release business, otherwise they need to be manually reviewed and handled. When the mortgage business is cancelled, it can automatically compare the cancellation business with the content of the previous mortgage business, and the system can automatically complete the transaction after automatically reviewing and comparing it without error; if the automatic comparison is inconsistent, it will be completed immediately by manual review. There is no need for the mortgagor to run to the bank to read the ID card again, and there is no need to repeatedly scan the existing attachments such as the contract, which realizes the "second batch" of mortgage cancellation registration and allows the masses to wait zero.

The "second batch" of mortgage cancellation registration is only one of the epitomes of the reengineering and continuous improvement of efficiency in the real estate registration process in our city. Since the beginning of this year, the Municipal Real Estate Registration Center has continuously optimized the process and comprehensively "reduced materials, links and time". When handling the pre-mortgage to formal mortgage business, financial institutions can select the business data of the bank that has handled the pre-mortgage registration, read the mortgage contract uploaded by the previous business, scan the applicant's ID card, upload a new real estate property rights certificate, directly create a mortgage business, and then submit it to the center for review. The registration system will automatically compare the mortgage business or pre-mortgage business and the transfer registration business handled by the mortgagor, comparing whether the real estate object information, mortgage amount, mortgagor, mortgagee, real estate ownership information is consistent with the mortgagor, etc., the system can automatically review and compare without error; if the automatic comparison is inconsistent, it will be completed immediately by manual review. There is no need for the mortgagor to run to the bank again to read the ID card, and there is no need to repeatedly scan existing attachments such as contracts.

"Registration + Finance" five-in-one

Second-hand housing transfers do not require on-lending

Since the beginning of this year, the city has continuously improved the "real estate registration + financial services" model, and launched a second-hand housing transaction with collateral in the same bank, without the need for sellers to "redeem the house". This move changes the "five-step" model of the past when mortgaged real estate was sold, buyers who still wanted to borrow money to buy a house needed to pay off the loan, release the mortgage, and then apply for transfer registration, apply for a new loan, and apply for a new mortgage registration. The buyer and seller of the second-hand house and the lending bank sign a tripartite cooperation agreement in advance, and after preparing the information, go to the real estate registration window to merge the relevant registrations to achieve "one window acceptance, merger processing, one set of materials, and one day completion". This model does not require the seller to redeem the house, from the "five steps" and "one step", which will effectively solve the problems of financing difficulties, long processing time, cumbersome procedures, etc., and greatly reduce the burden on enterprises and the masses.

In the next step, the Municipal Bureau of Natural Resources and Planning will work with the Yantai City Center Branch of Chinese Bank and the Yantai Supervision Branch of the Banking and Insurance Regulatory Commission to continue to increase the publicity and promotion of the new model of "second-hand housing transaction registration + financial services", cooperate with the banking industry in a wider range of fields, and finally realize the seamless connection between bank inquiry, loan approval, mortgage first registration, change registration, deregistration and loan issuance.

Editor-in-Charge: Liu Lin

This article is from [Yantai Daily - Big and Small News] and only represents the author's views. The National Party Media Information Public Platform provides information dissemination services.

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