Real estate transactions are no exception. Although the epidemic situation makes it inconvenient for bank loans to be signed in person, it has also become an opportunity to promote industry upgrading. One representative case is the online bank loan verification contract (hereinafter referred to as "online loan contract") product "online verification room" of Keke Holding Company.
Improve the efficiency of face-to-face loans
Ms. Jiang from Dalian recently bought a second-hand house near Yuwen Middle School in Ganjingzi District, Dalian. The original owner of the house, Ms. Li, lives and works in Beijing all the year round. On June 9, after the two parties signed a house sales contract in the chain store, Ms. Li returned to Beijing. The two sides originally planned to fulfill the loan signing procedures for a period of time, but the recurrence of epidemic cases in Beijing made it inconvenient for Ms. Li to return to Dalian. Knowing that the loan signing can be completed through the "online verification room", both parties decided to complete the loan signing in different places on June 18, which only took 15 minutes.
"Online Verification Room" is an online loan contract developed by Keke Holding Company, which transfers the face-to-face signing procedures for second-hand housing loans to the Internet. After the two parties finalize the time, enter the "online signing room", fill in the information, upload it and confirm it. The bank account manager will retrieve the buyer's credit record, confirm the qualification and loan information, and both parties can complete the electronic signing process of loan information.
In this process, you can upload documents and supplement materials in real time. All parties can enjoy the document, confirm and verify the signed document, and mark key points on the page in real time. The account manager of the bank is equipped with screen recording, screenshot and other functions, and can also download videos or screenshots of the signing process. Confirm on the public * * * screen in the form of * * file, and ensure that it cannot be smeared and changed. The electronically signed documents will also be directly put into storage for the bank manager to download and use, and the signed transaction process can also be viewed at any time.
Anyone who has bought a second-hand house knows that the loan is the most difficult part. First of all, property buyers need to check the credit information online or at the bank credit information point in advance, and prepare all the materials needed for the loan at one time. Then, under the coordination of brokers, buyers and sellers need to go to the bank again to formally enter information and sign a loan contract.
"The mortgage loan face-to-face signing procedure is very troublesome to handle. It is necessary not only to prepare a lot of information, but also to coordinate the time of all parties before going to the designated bank outlets. Different banks have different requirements for data formats. If the data does not meet the requirements of the bank, it will be rescheduled and the waiting time at the bank will be very long. " Wang Kun, a real estate agent of Dalian Chain Home, said.
According to Gui Zhijian, transaction manager of Shell Hangzhou Trading Service Center, online loan signing can significantly improve transaction efficiency. "In the past, it handled at most two one-sided signatures in the morning. Through online loan signing, I can handle five or six orders in one morning. "
Innovative user acceptance
The benefits of online loan signing are obvious, but why not implement it on a large scale? Mainly because for second-hand housing transactions, the biggest difficulty in online product operation lies not in technology, but in user habits.
"Second-hand housing transactions are low-frequency businesses, and it is difficult for users to experience the advantages of online tools through frequent use. In addition, the real estate transaction involves a large amount of money, and the security requirements of all parties to the transaction also make the user's mentality generally conservative. Banks have relatively little incentive to change in this regard, so they are more cautious in implementation. " The national trading director of Branch Holdings Limited said.
The normalization of epidemic prevention and control has brought fundamental changes to many industries, mainly because the public's online acceptance of many scenes has been greatly improved. It can be said that the epidemic has accelerated.
In addition to the public, affected by the epidemic, the demand of banks for online transactions has also risen sharply. "Online loan signing has reduced the workload of bank account managers. At the same time, it is also possible to conduct business while reducing the gathering of customers at bank outlets. " Zheng Yang, business circle manager of Changqing Street, a chain store in Hang Cheng, said that the acceptance of banking institutions has generally improved after the online loan signing pilot.
According to the latest data, the cumulative order of shell online loan signing business exceeds 60,000, and the number of cooperative banks exceeds 1 150.
Standards need to be strengthened.
Subsequently, Shell decided to develop products for the loan process of housing sales. According to the feedback from customers, owners and bank account managers, the product team selected 13 pilot cities and transformed them into system requirements.
Second-hand housing transactions are full of complexity and particularity. If it cannot be standardized, it will be difficult for the industry to make progress. With the advent of the era of 5G and artificial intelligence, the networking and standardization of second-hand housing transactions have more technical conditions. In this regard, from the second half of 20 19, shells have been launched in VR sales department, renting houses and second-hand houses.
"In the future, we will evaluate online video notarization in some cities on the basis of pilot projects, and we also hope to extend manual approval to automatic approval in the banking system. Through port docking, after providing all supporting materials online, banks can quickly give approval results, which will make customers get a better experience. " Liu Hua said.
The general manager of the trading service center of Keke Holding Co., Ltd. said, "Going online will help to promote the standardization of the process and facilitate users to use and safeguard their rights and interests. Online loan signing is an important step to realize the whole process of online residential transaction, but it is far from the last step. The ideal online process of truly realizing residential transactions will be a long-term process. " If you can complete the tax payment, transfer, real estate mortgage and other follow-up online, you will realize a real closed-loop transaction, but this involves the enjoyment and support of many parties. "Liang Fang said.
Online processing or trend analysis
Yang Xianling, founder of Blank Research Institute, believes that online residential transactions may not be suitable for all platforms. In addition to technical factors, the credibility of platform brands is also an important factor for consumers to accept this model. "Online loan signing involves system docking and model building of all parties. It is difficult and has a long period. Whether to implement online transactions, enterprises should choose according to their own strategies and resource conditions. " Yang Xianling said.
Experts believe that a series of policies and measures of relevant departments not only reduce costs and increase efficiency, but also contain the intention of strengthening supervision. Yang Xianling said that affected by the epidemic, "non-contact house inspection", "online house purchase" and "on-site house purchase" came into being. The surge in real estate transaction disputes and contract breach cases with "force majeure" as a shield is the focus of measures such as "online signing" by relevant departments.
The main reason.
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