Ms. Liu bought a second-hand house in Dongsi Street. Later, Ms. Liu and the seller applied to Kunming Branch of China Merchants Bank for real estate transfer+mortgage merger, and received the real estate registration certificate and real estate registration certificate of the relevant house. The bank recently granted it a loan. It took only 3 working days from acceptance to issuance.

Ms. Liu, a property buyer, said: "After the merger of property transfer and mortgage registration, I am the first beneficiary. I used to run back and forth several times, but now I only need to run once. The most important thing is to streamline the materials, optimize the process, and sign the sales contract and loan contract at one time. Signing a contract in one step is safe and convenient. Let me really feel the happiness and experience brought by the reform. "

It is understood that real estate transfer+mortgage registration is a new pilot project of Kunming Real Estate Registration Center to maximize the efficiency and service level of real estate registration, and to handle "the same city" in Wuhua Registration Office. That is, a set of second-hand housing sales transfer and mortgage loan information, once accepted, once settled, only once. This business is another innovative measure of "real estate registration+finance" service under the service mode of "Internet plus real estate mortgage registration". During the promotion of this business, Kunming Real Estate Registration Center and China Merchants Bank broke through the business process, implemented process reengineering, and realized one-stop service of transfer registration and mortgage registration, which made citizens and enterprises feel the efficient and convenient services provided by the government and banks, and finally achieved a win-win situation for registration agencies, banks and the masses.

One-time merger of transfer and mortgage registration, that is, through the business process adjustment between the registration institution and the bank, the original house purchase and sale transfer registration and mortgage registration are merged and accepted, and the purchase and sale contract and mortgage contract are signed in an integrated way, and the transfer and mortgage registration are handled at one time. The whole registration process is "one set of information, one window delivery, two things at a time". After the merger of transfer and mortgage registration, it will be more efficient and convenient for office enterprises or people who buy second-hand houses with mortgage loans to handle real estate transfer and mortgage registration, minimize the rush of people or enterprises, and truly achieve convenience and benefit.

What convenience can the joint organization bring to the people who handle affairs? First, the application materials are streamlined. The original real estate transfer and mortgage registration business requires two sets of information, which can be provided once after acceptance; Shorten the registration process. The original six links are reduced to three links, with less materials and shorter time consumption; Two businesses only need to run once; One-step integrated signing; The processing time limit is compressed. The processing time was accelerated from 8 working days to 3 working days, and compared with the original process, the efficiency was improved by 60%.

It is worth reminding that the business process and system debugging of second-hand housing transfer and mortgage registration in the main city of Kunming have been completed, and the registration business is mature. However, limited by the loan approval mechanism of financial institutions, only Kunming Branch of China Merchants Bank has the conditions to handle this business. (Kunming Daily)