How to check whether the down payment has arrived in the custody account?

If it is a new house, the user can directly take the house purchase agreement and his/her valid ID card to the window of the Fund Supervision Office of the local real estate bureau to inquire. For second-hand house transactions, the user takes the house purchase agreement, the bank card for the down payment, and the ID card to the account bank where the funds are supervised to inquire.

The capital supervision account is opened by the real estate authority and the bank. After the down payment is deposited into the supervision account, inquiries can be made and relevant certificates can be obtained. The transfer will not be arranged if the funds are not in place. Before the transfer, both the buyer and the seller are required to use their usual mobile phone numbers and ID cards to open an account in the supervision system. As long as the mobile phone is kept open, there will be a text message to remind you of the arrival of the down payment. Later, when the buyer transfers the property within the specified period, the funds will be transferred to the original owner's account.

Fund supervision means that the transaction funds of buyers and sellers do not go directly through intermediary companies. The real estate authorities and banks open special fund supervision accounts at banks. This account belongs to the bank. After the transfer, the funds are transferred to the original owner's account, which means that both the buyer and the seller must open accounts at the regulatory bank.

The buyer and seller sign a house purchase contract and propose capital supervision requirements

The loan bank reviews the borrower's qualifications and signs a loan contract

Evaluates the price of the house and determines the down payment The amount of payment

The buyer and seller sign a capital supervision agreement, and the buyer pays the down payment and enters the bank capital supervision account

After the house purchase is successfully transferred, the bank transfers the down payment to the seller's account

After the buyer handles the mortgage of the house, the housing management center will issue a certificate of other rights. Take Fuyang City as an example:

Provident fund loans to buy a house must also be included in the supervision account.

The Municipal Real Estate Administration, the Fuyang Central Branch of the People's Bank of China, and the Municipal Housing Provident Fund Management Center jointly issued the "Notice on Further Strengthening the Supervision of Existing Housing Transaction Funds", which clarified that, in addition to commercial Loans and provident fund loans must also be included in the supervision account.

The "Notice" stipulates that starting from March 1, 2017, our city will comprehensively establish and improve the capital supervision system for existing housing transactions. The second-hand housing transaction capital supervision business will be subject to full capital supervision. In addition to a small amount of deposit, The buyer should deposit all the house payment into the special account of the regulatory agency before proceeding with the property transfer procedures.

Any housing provident fund loan or bank commercial loan must be included in the supervision of transaction funds.

Extended information:

Some loopholes were discovered during the implementation process

The supervision of existing housing transaction funds refers to the process of real estate transfer registration between the buyers and sellers of existing housing. Entrust regulatory agencies to supervise trading funds. Before handling the transfer registration, the buyer transfers the purchase funds to the special supervision account; after completing the transfer registration of the house ownership, the capital supervision agency transfers the supervised transaction funds to the seller.

Intermediaries shall not misappropriate client funds

The new "Notice" stipulates that intermediaries and their employees shall not collect or pay transaction funds through accounts other than supervised accounts, and shall not embezzle or misappropriate them. Transaction funds

If an intermediary is further found to have misappropriated or misappropriated customer funds, the intermediary will be fined 10,000 to 30,000 yuan, ordered to make corrections within a time limit, have its online visa qualifications revoked, or even have its qualifications revoked.