What does the second-hand housing transaction fund trust mean? Do I need to pay the housing maintenance fund to buy affordable housing? How to pay?

What does the second-hand housing transaction fund trust mean? Custody of second-hand housing transaction funds refers to the behavior that buyers and sellers of second-hand housing authorize each other to entrust a third-party institution (usually a financial institution) to deposit and allocate second-hand housing transaction funds to ensure the safety of transaction funds. The simple explanation is that the customer does not hand over the purchase price to the seller, but gives it to the bank for custody. At the time of custody, the seller can also check whether the buyer has saved the purchase price and the list of trading funds. After the second-hand house is successfully sold, the money will be remitted to the seller's embedded bank account.

If the second-hand house transaction is unsuccessful, the purchase price will be returned to the buyer's embedded bank account. Generally speaking, the custody of second-hand housing transaction funds means that the buyer deposits the transaction funds into the bank custody account, and the transaction funds of the bank are transferred to the seller or back to the buyer if the transaction is successful or unsuccessful. Fund custody can effectively ensure the safety of buying and selling funds and safeguard the interests of buyers and sellers.

Specific steps of second-hand housing fund custody 1. Sign the fund custody agreement.

After the signing of the house sales contract, both parties to the transaction can go through the fund custody procedures at the real estate management department and sign a fund custody agreement.

2. Deposited custody funds

After the house sales contract is signed, both parties to the transaction can go through the fund custody formalities with the real estate management department and sign a fund custody agreement, and the buyer will deposit the custody funds into the custody account of a specific bank (at this stage, the Taiyuan real estate management department will designate the bank as Pufa).

3. Apply for renaming the real estate license.

After the real estate management unit issues the Certificate of Fund Custody, it shall handle the real estate transaction formalities with the Certificate of Fund Custody; Both parties to the transaction shall fill in the "Taiyuan Stock House Fund Custody Withdrawal Certificate" with the fund custody certificate, identity certificate and transfer form, apply for withdrawal of custody funds, and go through the formalities of obtaining the real estate license.

Do I need to pay the housing maintenance fund to buy affordable housing? How to pay? 1, affordable housing also needs to pay property maintenance funds. In the "Implementation Opinions", not only commercial and residential buildings must pay property maintenance funds, but also affordable housing, price-limited housing, rental housing and public rental housing.

2. Divided into three categories: first, newly-built commercial houses (including affordable houses and price-limited commercial houses) that need to receive pre-sale certificates (registration certificates for current sales); Second, it is necessary to handle the division of property rights and transfer the owner's house in a single community; Third, it is necessary to apply for the completion and acceptance of the construction of resettlement houses, low-rent houses and public rental houses.

3. The Ministry of Construction and the Ministry of Finance jointly promulgated the Measures for the Administration of Maintenance Funds for Public Facilities and Equipment in Residential Areas, confirming that the housing maintenance funds shall be paid by all owners and owned by all owners. Housing maintenance funds are generally managed by the real estate department in the city where they are located. The housing maintenance fund follows the principle of "money goes with the house". When buying and selling a house, the account balance in the corresponding account of the house will be transferred to a new tenant of the house.

4 housing maintenance funds include public facilities maintenance funds and housing maintenance funds. Its funds are jointly raised by real estate developers and buyers, and the loan interest is used to sell the public parts of the house and repair and maintain the same equipment and machinery. If the loan interest is insufficient, it shall be shared equally by the lessee. The public facilities maintenance fund is used for the overhaul, maintenance and renewal of public facilities; The house itself maintenance fund is used for the maintenance of the house itself. There is a clear line between the two, so we can't confuse them with embezzlement.

How to pay the housing maintenance fund when purchasing affordable housing? 1. Generally speaking, buying a pre-sale house means that the maintenance fund will be handled by the developer and then transferred to the real estate management department by the developer. Generally, the owner should hand it over to the developer one month before the real estate license is processed, and then the developer will transfer it to the real estate management. The agent's time node is generally one month before the real estate application is completed (after deducting the one-month maintenance fund, the community owner needs to get the relevant documents from the agent company).

2. Naturally, some developers have confirmed that the maintenance foundation and the down payment should be paid together. Naturally, the interest generated during this period also needs to be handed over to the local housing management department. Under normal circumstances, the housing management department determines the payment time of the owner's maintenance fund according to the receipt of the maintenance fund collected on behalf of the developer. Therefore, there will be no phenomenon that developers will profit from it.