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事关“带押过户”,郑州最新回应

  • 2026-06-28 09:39:37
事关“带押过户”,郑州最新回应

近日，有郑州市民在人民网领导留言板咨询“郑州何时才能实现‘带押过户’”。对此，郑州市委督查室回复称，经了解，“带押过户”正在进行系统测试。
记者注意到，此前也有不少市民咨询“郑州二手房‘带押过户’政策何时落地”问题，郑州市12345政务服务便民热线上月底曾在回复市民留言时称，经郑州市自然资源和规划局处理落实，目前“带押过户”已经开始试点工作，如有需求，可与抵押权人共同到不动产登记中心提出申请，中心将依据申请为群众尽快办理。
何为“带押过户”？通俗来讲，“带押过户”就是卖方在出售房屋时，在未结清银行按揭贷款的情况下，就可出售住房，进行过户。而按照传统的二手房交易模式，使用按揭贷款的房屋如要交易，需要“先赎楼再过户”。“带押过户”这种模式省去了原房主的赎楼费用和筹措资金的时间成本，大大降低了二手房的交易难度。
为激活二手房市场，去年8月，济南在全国率先推出二手房“带押过户”，随后全国不少城市跟进，包括深圳、广州、西安、宁波、苏州、无锡等热点城市，还有中山、丽水、潍坊、淮安等三四线城市。
今年以来，武汉及浙江全省、山东全省也开启了“带押过户”。
1月11日，微信公众号“武汉发布”显示，武汉市自然资源和规划局联合发布《关于推行二手房“带押过户”深化登记金融协同服务工作的通知》。这意味着今后武汉在二手房交易过程中，卖方不需要先归还原有房贷即可完成过户登记，买方可带抵押过户获取金融贷款。
1月17日，浙江省自然资源厅、银保监会浙江监管局、浙江省住建厅等六部门联合印发了《关于深化多跨协同推进二手房“带押过户”登记服务新模式的通知》，提出六个方面意见。
2月6日，山东省人民政府官网发文称：近日，山东省人民政府印发《关于促进经济加快恢复发展的若干政策措施暨2023年“稳中向好、进中提质”政策清单（第二批）》，其中提到，全面推行二手房交易“带押过户”登记模式，优化二手房交易流程。
郑州市于去年出台了二手房“带押过户”政策：2022年10月13日，郑州市自然资源和规划局、郑州市住房保障和房地产管理局、郑州市金融工作局等7家单位，联合发出《关于印发郑州市存量房带押过户工作实施方案的通知》，明确提出，2022年11月开始，逐步全面推广“带押过户”模式。
政策出台后，因疫情防控形势严峻，郑州按下了“暂停键”。随后在11月，郑州各小区陆续解封。彼时，记者曾采访郑州多家中介，一位中介人员向记者展示了“带押过户”办理流程，但表示受疫情影响，尚未有执行案例。“目前只有个别银行可以做‘带押过户’，只能同行转同行，因为刚开始试点，可能需要的时间比较长。”
2月10日，记者再次采访郑州“带押过户”政策实际执行情况，一位房产中介人员告诉记者，有不少人咨询，但还没有成功办理过。
记者注意到，春节假期过后，郑州二手房市场有了复苏迹象。据贝壳研究院郑州分院数据显示，2月5日，郑州二手房的日度带看突破2900组，新房单日带看超800组，达到了近半年单日最高峰值。成交方面来看，新房二手房日度成交均呈明显上行趋势，2月5日，新房单日成交突破百单，二手房达184单，为近6个月单日最高值。
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中共二七区委宣传部

统筹：孟宪阳 朱志洋

视觉：邢哲

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  1. CONNECT:[ UseTime:0.000404s ] mysql:host=127.0.0.1;port=3306;dbname=i460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000518s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000249s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000280s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000469s ]
  6. SELECT * FROM `set` [ RunTime:0.000198s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000534s ]
  8. SELECT * FROM `article` WHERE `id` = 562149 LIMIT 1 [ RunTime:0.000442s ]
  9. UPDATE `article` SET `lasttime` = 1782849770 WHERE `id` = 562149 [ RunTime:0.000749s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000265s ]
  11. SELECT * FROM `article` WHERE `id` < 562149 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000509s ]
  12. SELECT * FROM `article` WHERE `id` > 562149 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000479s ]
  13. SELECT * FROM `article` WHERE `id` < 562149 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.001008s ]
  14. SELECT * FROM `article` WHERE `id` < 562149 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.001311s ]
  15. SELECT * FROM `article` WHERE `id` < 562149 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.002053s ]
0.084071s