**中新社北京5月15日电 (记者 庞无忌)** —— 中国自去年以来全面推开的不动产“带押过户”改革展现出显著成效。根据最新数据，截至目前，中国已完成超过18万件不动产“带押过户”业务。
不动产“带押过户”是指在房屋等不动产交易过程中，买方在支付部分房款的同时，将剩余房款以抵押贷款形式从银行获得，然后直接用于购买房屋，实现了过户和贷款的无缝对接。这一政策的推行，极大地方便了购房者，缩短了交易时间，提高了交易效率。
中国去年以来，为了应对房地产市场中的风险，进一步推动房地产市场的健康发展，开始全面推行不动产“带押过户”改革。改革的核心是简化交易流程，降低交易成本，提高交易效率，同时通过加强金融监管，有效防范和控制房地产市场的风险。
此次改革的新进展，不仅显示出中国房地产市场的活力和韧性，也体现了政府在调控房地产市场中的决心和智慧。未来，中国政府将继续加强对房地产市场的监管，推动不动产“带押过户”改革的进一步深化，以实现房地产市场的平稳健康发展。
此外，该政策的实施还有助于缓解部分购房者资金压力，促进市场需求的合理释放，对维护房地产市场的稳定起到了积极作用。在当前经济环境下，不动产“带押过户”改革的成功实施，进一步凸显了中国房地产市场在国民经济中的重要地位。
总体来看，不动产“带押过户”改革不仅优化了不动产交易流程，还为市场注入了新的活力。在坚持房子是用来住的、不是用来炒的定位指导下，预计未来该政策将继续发挥其积极作用，助力中国房地产市场平稳健康发展。
英语如下：
**Title: New Progress in Real Estate “Mortgage-Bearing Transfer” Reform: Over 180,000 Cases Handled in a Year**
Keywords: Real estate mortgage-bearing transfer, reform progress, over 180,000 cases
News Content: # China’s Real Estate “Mortgage-Bearing Transfer” Reform Makes New Progress; Over 180,000 Businesses Successfully Completed
**BEIJING, May 15, Xinhua News Agency (Reporter Pang Wuji) —** Since last year, China has fully implemented the real estate “mortgage-bearing transfer” reform, which has shown significant effectiveness. The latest data shows that so far, China has completed more than 180,000 real estate mortgage-bearing transfer services.
The real estate mortgage-bearing transfer refers to the process in which, during the real estate transaction, the buyer pays a partial down payment while obtaining the remaining amount as a mortgage loan from the bank, which is then directly used to purchase the house, realizing the seamless connection between the transfer of ownership and the loan. The implementation of this policy has greatly facilitated homebuyers, shortened transaction time, and improved transaction efficiency.
In order to address the risks in the real estate market and further promote the healthy development of the real estate market since last year, China has started to fully implement the real estate mortgage-bearing transfer reform. The core of this reform is to simplify the transaction process, reduce transaction costs, and improve transaction efficiency, while strengthening financial regulation to effectively prevent and control the risks in the real estate market.
The new progress of this reform not only shows the vitality and resilience of China’s real estate market but also reflects the government’s resolution and wisdom in regulating the real estate market. In the future, the Chinese government will continue to strengthen the supervision of the real estate market and promote the further deepening of the real estate mortgage-bearing transfer reform to achieve the stable and healthy development of the real estate market.
In addition, the implementation of this policy helps to alleviate the financial pressure on some homebuyers, promote the rational release of market demand, and play a positive role in maintaining the stability of the real estate market. In the current economic environment, the successful implementation of the real estate mortgage-bearing transfer reform further highlights the important position of the real estate market in the national economy.
Overall, the real estate mortgage-bearing transfer reform not only optimizes the real estate transaction process but also injects new vitality into the market. Under the guidance of the positioning that houses are for living, not for speculation, it is expected that the policy will continue to play a positive role in the stable and healthy development of China’s real estate market in the future.
【来源】http://www.chinanews.com/cj/2024/05-15/10217107.shtml
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