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事关房产过户!最新明确

  • 2026-04-15 21:05:50
事关房产过户!最新明确

为进一步优化营商环境，满足人民群众迫切需求，我国将依民法典明确要求，全面推进房产“带押过户”。

记者3月30日从自然资源部、中国银保监会召开的新闻通气会上获悉，为落实党中央、国务院扎实稳住经济一揽子政策措施的有关要求，进一步优化营商环境，提升便利化服务水平，降低制度性交易成本，满足人民群众对财产权高质高效保护的需求，自然资源部、中国银行保险监督管理委员会印发《关于协同做好不动产“带押过户”便民利企服务的通知》，对协同做好不动产“带押过户”做出全面部署。
两部门明确，各地要在已有工作的基础上，深入探索，以点带面，以“三个拓展”全面推进“带押过户”：
推动省会城市、计划单列市率先实现，并逐步向其他市县拓展；
推动同一银行业金融机构率先实现，并逐步向跨银行业金融机构拓展；
推动住宅类不动产率先实现，并逐步向工业、商业等类型不动产拓展，
最终实现地域范围、金融机构和不动产类型“带押过户”全覆盖。
据介绍，目前全国有15个省份100多个地市开展了“带押过户”，其中天津、山西、山东、江苏、浙江、福建、湖北等省份已经全面开展。各地在实践探索中，主要形成抵押权组合、新旧抵押权分段、抵押权变更等“带押过户”模式。“带押过户”大大节省了办理时间，降低了制度性交易成本，同时能够保障买卖双方及银行权益，获得了企业和群众一致认可。
两部门要求各地结合本地实际，确定适宜的办理模式。尤其是买卖双方涉及不同贷款方的业务，鼓励各地积极引入预告登记，防止“一房二卖”，防范抵押权悬空等风险，维护各方当事人合法权益，保障金融安全。各级不动产登记机构、银行保险监督管理机构及银行业金融机构要加强业务系统建设，推进登记金融系统融合，优化工作流程，实时共享信息，努力实现登记、贷款、放款、还款无缝衔接，同时梳理各环节风险点，制定应急预案，切实防范风险。
来源：新华社

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  1. CONNECT:[ UseTime:0.000861s ] mysql:host=127.0.0.1;port=3306;dbname=a_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000614s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000311s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000243s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000500s ]
  6. SELECT * FROM `set` [ RunTime:0.000183s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000501s ]
  8. SELECT * FROM `article` WHERE `id` = 480802 LIMIT 1 [ RunTime:0.000402s ]
  9. UPDATE `article` SET `lasttime` = 1776266871 WHERE `id` = 480802 [ RunTime:0.009495s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000229s ]
  11. SELECT * FROM `article` WHERE `id` < 480802 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000380s ]
  12. SELECT * FROM `article` WHERE `id` > 480802 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000384s ]
  13. SELECT * FROM `article` WHERE `id` < 480802 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.000760s ]
  14. SELECT * FROM `article` WHERE `id` < 480802 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.000804s ]
  15. SELECT * FROM `article` WHERE `id` < 480802 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.010138s ]
0.175226s