“The ‘mortgage transfer’ model of enterprise real estate is a new model that combines the three business items of the original mortgage cancellation, new mortgage registration, and ownership transfer registration in the past, helping enterprises efficiently handle real estate changes, mortgage taxation, and transfer at one time,” said a staff member of Natural Resources Bureau of Jiahe County, Chenzhou City.

At present, this service has been extended from individuals to enterprises, which has become another important measure for the county to help enterprises alleviate difficulties and optimize the business environment.

Jiahe County has more than 320 forging and casting enterprises, so there is a large demand for this enterprise real estate mortgage transfer registration.

In addition to the establishment of a new company, enterprise name change and plant transfer with mortgaged land are involved in “mortgage transfer”.

According to the previous traditional model, enterprises have to pay off the loan first, and cancel the original mortgage before making transfer registration. This model will waste much time, cost and even risk due to many links involved.

In order to effectively reduce the operating costs of enterprises, alleviate the problem of capital turnover, and better implement various policies to optimize the business environment, Jiahe County makes the specific procedures for the purchase and sale of houses between enterprises, the change of the seller\'s original mortgage and buyer’s new mortgage into only one registration, according to relevant regulations on real estate registration and the actual situation, in a bid to solve the difficult problems in the process of repaying the mortgage loan of enterprise real estate.

“We have set up a special window for enterprises, and opened an online and paperless office system with banks through the Internet. Enterprises can choose to go through the procedures of ‘mortgage transfer’ at the bank and real estate registration center, so as to get things done at one time, and reduce the time periods from the original 3 working days to 1 working day,” said Kang Junhui, Party secretary of Jiahe Natural Resources Bureau.

All relevant departments in the county have realized the information sharing, and a number of matters can access to the real estate registration system for review with one application, one entry and one signature. other business services related to the mortgage such as tax payment, bill payment, water and electricity ownership transfer can all be done at online, which definitely promotes the paperless approval of government services. As the electronic documents can be shared with all departments involved, enterprises can complete the procedures as soon as possible.

Jiahe Real Estate Registration Center accepts the materials uploaded by banks and other financial institutions. For those who meet the registration requirements, the center registers it within 1 hour or 1 working day after formal acceptance, and simultaneously pushes the electronic license of Real Estate Registration Certificate, which is consistent with the paper certificate and has the same legal effect.

Tantang Industrial Park Development and Investment Co., Ltd. is a key enterprise in Jiahe County. It had a need to be transferred to another company for better development.

Jiahe Real Estate Registration Center handled the joint mortgage procedures of the company’s 44 real estate properties within one day. This was highly appreciated by the company, and a banner was sent to the center to express gratitude.