Housing Market Recovery supporting Digital Transactions

MHCLG 2018年报告的结果强调，每年有超过30万笔房地产交易因链条断裂和买家改变主意而崩溃，受影响的卖家平均损失2.7万GB，市场总成本为4亿GB。2018年MHCLG呼吁从该部门寻求证据，该部门是政府为改善住房部门而开展的广泛工作的一部分。政府的主要观点是，英格兰和威尔士的房屋买卖过程不符合目的，因为每年四分之一的房屋销售都会失败。再加上失败的房地产交易，是支持房地产市场复苏的问题和障碍。政府最近推出了适用于在2020年7月8日至2021年3月31日期间购买的住宅物业的印花税土地税(SDLT)税率。由于社会距离较远，对能够在办公室内一起工作和会见客户的工作人员数量继续受到限制，这对律师和转让人的住房买卖过程造成了不必要的延误和摩擦。自2020年3月引入Covid19封锁以来，随着越来越多的律师在没有安全标准和数字身份检查功能的情况下在家工作，数字身份欺诈行为有所增加。政府致力于建立一个适合英国不断增长的数字经济的数字身份系统。“很明显，政府有必要也有希望让人们更容易快速、安全地使用数字身份，我们致力于实现这一点。”内阁办公室部长朱莉娅·洛佩兹1/9/20\。该项目将寻求为寻求出售其财产的客户确定和商定房屋买卖过程的数字身份标准，并将该人/身份与他们正在出售/购买的房屋联系起来。这是法律界问题的症结所在，也是解决抵押贷款机构欺诈问题的关键。将客户放在流程的中心，标准化和创建各方身份验证的便携性，以降低身份和财产欺诈和洗钱的风险，将是该项目的众多成果之一。该项目旨在解决围绕房屋买卖过程中的一些问题，涉及土地和物业信息，将客户与物业联系起来，并根据可靠的身份标准验证买家和卖家的身份。进一步的询问将包括：o需要一种共享信息的机制，以加快围绕支持更多数字交易而建立的房屋买卖过程。o需要在中心拥有隐私和同意o支持房屋买卖过程的数字身份信任框架使人们更容易在网上证明自己的身份，从而加快交易速度o如何建立对系统的信任和对信息的信任以及信任

Results from a MHCLG 2018 report highlights that more than 300,000 property transactions collapse every year due to broken chains and buyers changing their mind, costing affected sellers on average £2.7K with a total cost to the market of £400 million. The 2018 MHCLG Call for Evidence sought input from the sector which is part of a wide-ranging body of work government is undertaking to improve the housing sector. The Government's overarching view being that the home buying and selling process in England & Wales is not fit for purpose, as a quarter of house sales fall through each year.Combined with failed property transactions are issues and barriers to supporting the recovery of the housing market. The Government recently introduced reduced rates of Stamp Duty Land Tax (SDLT) which applies to residential properties purchased between 8 July 2020 until 31 March 2021 inclusive. Due to social distancing, continued restrictions on the number of staff being able to work within offices, both together and to meet with clients, this is causing undue delays and friction into the home buying and selling process for solicitors and conveyancers. Digital identity fraud has increased since March 2020, when Covid19 lock downs were introduced, as more solicitors work from home without the security standards and digital identity checking capabilities in place.The government is committed to enabling a digital identity system fit for the UK's growing digital economy. "It is clear that there is a need and an expectation for the government to make it easier for people to use digital identities quickly, safely and securely and we are committed to enabling this." Cabinet Office Minister Julia Lopez 1/9/20\.This project will seek to determine and agreed digital identity standards for the home buying and selling process for a client seeking to sell their property and linking that person/identity to a home that they are selling/buying. This is the crux of the problem for the legal sector, as well as tackling fraud for mortgage lenders. Putting the customer at the centre of the process and standardising and creating portability of the identity verification of the parties to reduce the risk of identity and property fraud and money laundering will be one of the many outputs from this project.This project is looking to address some of the issues around the house buying and selling process around land and property information, connecting a customer to a property and verifying the identity of both buyer and seller to an assured identity standard. Further enquiry will include:o The need for a mechanism to share information to speed up the home buying and selling process built around supporting greater digital transactions.o The need to have privacy and consent at the centreo A digital identity trust framework supporting the home buying and selling processo Make is easier for people to prove their identity online so transactions quickeno How to build trust into the system and trust in the information as well as reliance