15-007 · EVIDENCE A · SOURCE-SENSITIVE
For second-hand home sales where the agent collects the payment, the funds must be deposited into a dedicated transaction account opened by the agency at a bank
二手房让中介代收房款的，必须走中介在银行开的交易资金专用存款账户
No cost involved. The challenge is ensuring the payment goes into the designated account; this may require some discussion with the agent.
The purchase price can range from hundreds of thousands to millions of dollars — this is the largest single transaction amount discussed in this guide. By regulation, when an agent collects payment, it must be transferred to a dedicated account opened by the agency at a bank, not sent via WeChat to the individual agent. Additionally, when two agencies collaborate on one sale, only one commission fee may be charged; services such as loan processing or title transfer require separate contracts and clear fee agreements beforehand.
A
Move “For second-hand home sales where the agent collects the payment, the funds must be deposited into a dedicated transaction account opened by the agency at a bank” to Future Me's calendar
The excuse
Future Me has a clearer calendar, more patience, and apparently the same responsibilities.
What feels good now
Today I keep a few minutes, a bit of persistence and avoid interrupting my default routine.
What the source says
The source summarizes the return this way: “The purchase price can range from hundreds of thousands to millions of dollars — this is the largest single transaction amount discussed in this guide. By regulation, when an agent collects payment, it must be transferred to a dedicated account opened by the agency at a bank, not sent via WeChat to the individual agent. Additionally, when two agencies collaborate on one sale, only one commission fee may be charged; services such as loan processing or title transfer require separate contracts and clear fee agreements beforehand.” Evidence grade A. The original states the population, caveats, and sources; this is not a personal forecast.
Use the original facts and limits. For an urgent medical, safety, financial, or legal issue, contact a qualified local professional or service.
THE ENGLISH EDITION
Original recommendation and evidence
7. For second-hand home sales where the agent collects the payment, the funds must be deposited into a dedicated transaction account opened by the agency at a bank
Cost: No cost involved. The challenge is ensuring the payment goes into the designated account; this may require some discussion with the agent.
In plain terms: The purchase price can range from hundreds of thousands to millions of dollars — this is the largest single transaction amount discussed in this guide. By regulation, when an agent collects payment, it must be transferred to a dedicated account opened by the agency at a bank, not sent via WeChat to the individual agent. Additionally, when two agencies collaborate on one sale, only one commission fee may be charged; services such as loan processing or title transfer require separate contracts and clear fee agreements beforehand.
Benefit: Regulations are explicit: any real estate agency entrusted to collect or disburse transaction funds must use a dedicated client settlement account at a bank. This ensures the payment is held in a regulated account, not the agency’s general account or any individual agent’s personal account.
Evidence grade: A
Sources: Ministry of Housing and Urban-Rural Development, National Development and Reform Commission of China, Ministry of Human Resources and Social Security of China (2011). Real Estate Brokerage Management Measures (Order No. 8, revised by Order No. 29, 2016) Article 24: "If the parties to a real estate transaction agree that a real estate brokerage agency will collect and pay transaction funds on its behalf, the transaction funds shall be transferred through the special deposit account for client transaction settlement funds opened by the real estate brokerage agency in the bank." Article 18 "Real estate brokerage services shall implement a clearly marked pricing system...mark the real estate brokerage service items, service content, and charging standards in a conspicuous position on the business premises"; Article 19 "If two or more real estate brokerage agencies cooperate in the same real estate brokerage business, they can only charge commissions according to one business, and shall not charge more to the client"; Article 17 Agency loans, Agents for real estate registration and other services "should explain the service content, charging standards, etc. to the client, and sign a separate contract with the client's consent." <http://www.gov.cn/gongbao/content/2011/content_1918920.htm>
Notes: Given the substantial amount involved, never send payment via WeChat to an agent. Two common scenarios involving extra charges also apply: first, when two agencies jointly handle a sale, only one commission fee is allowed; second, services like loan processing or title transfer are separate and must be contracted individually with clear fee disclosures. All payments should be transferred via bank transfer with a purpose note, as outlined in item 6 (verifying property titles and mortgage status prior to signing).
Source links
- 住房城乡建设部、国家发展改革委、人力资源社会保障部 (2011). 房地产经纪管理办法（令第 8 号，2016 年第 29 号令修改）第二十四条：「房地产交易当事人约定由房地产经纪机构代收代付交易资金的，应当通过房地产经纪机构在银行开设的客户交易结算资金专用存款账户划转交易资金。」第十八条「房地产经纪服务实行明码标价制度……在经营场所醒目位置标明房地产经纪服务项目、服务内容、收费标准」
- 第十九条「两家或者两家以上房地产经纪机构合作开展同一宗房地产经纪业务的，只能按照一宗业务收取佣金，不得向委托人增加收费」
- 第十七条代办贷款、代办房地产登记等其他服务「应当向委托人说明服务内容、收费标准等情况，经委托人同意后，另行签订合同」. ↗
- Pinned original chapter on GitHub ↗
Read the complete Chinese source and notes
7. 二手房让中介代收房款的，必须走中介在银行开的交易资金专用存款账户
成本: 不花钱。难在要坚持走专用账户，可能得跟中介多争几句
说人话: 房款是几十万到几百万，是这本书里单笔金额最大的一件事。中介代收房款的，按规定必须走它在银行开的专用账户，不能微信转给经纪人个人。另外，两家中介合做一单只能收一份佣金，代办贷款、代办过户要单独签合同、事先说清收费。
收益: 规章写得很明白：约定由房地产经纪机构代收代付交易资金的，应当通过其在银行开设的客户交易结算资金专用存款账户划转。意思是房款进的是受监管的专用账户，不是中介自己的账户，也不是某个经纪人的私人账户
证据等级: A
来源: 住房城乡建设部、国家发展改革委、人力资源社会保障部 (2011). 房地产经纪管理办法（令第 8 号，2016 年第 29 号令修改）第二十四条：「房地产交易当事人约定由房地产经纪机构代收代付交易资金的，应当通过房地产经纪机构在银行开设的客户交易结算资金专用存款账户划转交易资金。」第十八条「房地产经纪服务实行明码标价制度……在经营场所醒目位置标明房地产经纪服务项目、服务内容、收费标准」；第十九条「两家或者两家以上房地产经纪机构合作开展同一宗房地产经纪业务的，只能按照一宗业务收取佣金，不得向委托人增加收费」；第十七条代办贷款、代办房地产登记等其他服务「应当向委托人说明服务内容、收费标准等情况，经委托人同意后，另行签订合同」. <http://www.gov.cn/gongbao/content/2011/content_1918920.htm>
备注: 房款是几十万到几百万，是这本书里单笔金额最大的一件事，别用微信转给经纪人。还有两种常见的多收钱。一是两家中介联合做同一单，这种只能收一份佣金。二是代办贷款、代办过户，这属于另外的服务，要单独签合同并事先告知收费。所有款项都走转账并备注用途，见第 6 条（签约前核对产权证和抵押情况）。
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