Real estate pawn is a particular way of circulation of rights of real estate, it refers to the property rights of people, namely the person within a certain period of time, will all of its real estate, transfer the right to the Pawnee to certain standard price behavior. Real estate located code ownership rights to housing.
The executive meeting of the Ministry of Commerce has been, with the consent of the Ministry of public security, since April 1, 2005 implementation of the "hock management measures". This approach called pawn, refers to households when their movable, property rights as a pledge or when the real estate as the mortgaged to the pawn line, delivery fee, made when payment, and in the agreed period when the interest payment, reimbursement when gold, when the bank for redemption. "Pawnshop as mentioned in these Measures refers to the pawn, specializing in the activities of the enterprise legal person established in accordance with these measures, the organization form and organization for" relevant provisions of the company law of the people's Republic of China ".
Compared with the old method, the "hock management measures" made the following modifications:
Article eighth pawning the minimum amount of registered capital of 3000000 yuan; the pawn business engaged in real estate mortgage, the minimum amount of registered capital of 5000000 yuan; engaged in property rights pledge pawning operations, the minimum amount of the registered capital of 10000000 yuan.
Twenty-fifth of the approved, pawn may engage in the following businesses:
(three) real estate (with the exception of the provinces, autonomous regions, municipalities directly under the central government, real estate or failure to obtain pre-sale permit commercial housing projects in the mortgage business);
Article thirty-eighth hock integrated cost includes all kinds of service and management fees.
Comprehensive rate on real estate mortgage shall not exceed 27 per 1000 when gold.
Article forty-fourth pawning the assets shall be administered in accordance with the proportion of the following:
(five) pawning the property rights pledge hock balance shall not exceed 50% of the registered capital. The balance of pawn of real estate mortgage shall not exceed the registered capital. Registered capital of 10000000 yuan, the real estate mortgage hock single pen when gold amount shall not be more than 1000000 yuan. The registered capital of 10000000 yuan of above, the real estate mortgage hock single pen when gold amount shall not exceed 10% of the registered capital.
The implementation of these Provisions, will bring a greater impact on the real estate mortgage and small and medium-sized enterprise financing pawn, such as not achieved sales permits sale shall not mortgage, real estate pawn business single hock amount shall not exceed 10% of the registered capital, in fact many pawn business requirements pawner should have house property card as a basic condition.