Sea Rating Face | Rotten Tailing Problem causes attention

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The problem of rotten tails should be paid attention to

According to media reports, recently, the "Rotten Tail Building Owners Announcement for Compulsory Loan" occurred in some regions of China.

Buying a house for mortgage loans involves the sales and sale relationship between developers and owners, and mortgage mortgage loan relationships between banks and owners. The real estate is rotten, involving real estate trading disputes between the owners and developers; the owner's suspension of loan involves borrowing disputes between the owner and the bank.

In the sales of pre -sale housing, the owner paid the down payment and formed a debt relationship with the bank. Developers possess the down payment and mortgage loan paid by the owner. Among them, only the owners' rights are completely lagging behind. Once the real estate is bad, the owner can neither obtain the house, but also needs to continue to repay the mortgage loan, and the rights and obligations have imbalance.

In the incident of "Rotten Tail Building Owners Announcement", the core issue of imbalances is "the real estate rotten". One of the direct reasons for the rotten real estate is that the developer's funds break. In fact, in order to avoid the emergence of the rotten situation of the building, relevant departments have repeatedly made clear and strict requirements on the supervision of commercial housing credit business management and pre -sale funds.

As early as 2003, the central bank made clear states in the "Notice on Further Strengthening Real Estate Credit Business Management" that it can only issue personal housing loans for individuals who have been capped in the house structure; Banks should recover the misappropriation of funds within a time limit. In 2010, the Ministry of Housing and Urban -Rural Development also made it clear that the "Notice on Further Strengthening the Supervision of the Real Estate Market Supervision and Increase the Pre -sale of Commodity Housing" also stated that all pre -sale funds for commercial housing should be included in the regulatory account. For the construction of commercial housing projects; pre -sale funds can be verified according to the construction progress, but it must be left with sufficient funds to ensure that the construction project is completed and delivered.

If banks and developers can strictly abide by relevant regulations, a real estate that is not worried about selling should not appear bad. In the actual operation process, some real estate development companies have blindly expanded, hidden debt, and even evaded supervision in order to maximize the use of funds, which laid a hidden danger for the completion of the real estate. The pre -sale funds can not turn around the bank, and the bank's responsibilities will seem to be pivotal.

In response to the actual loopholes in the implementation of the pre -sale housing system exposed this incident, the regions should immediately pick up the lack of regulations to strengthen the supervision of real estate developers, strictly distinguish between enterprise levels, match project needs, so that they do not speculate or evade supervision. Space; strengthen and optimize the closed -loop supervision and use of pre -sale funds for commodity housing, and scientifically and reasonable allocation in stages; banks should strictly implement financial supervision requirements, strictly manage pre -sale funds, and prevent them from being packed or misappropriated. At the same time, it is recommended to strengthen the transparent management of pre -sale funds to allow this book to belong to the owner's funds and be able to dial -up and flow under the supervision of the owner.

Those who are good at getting the harm check their own, and those who are good at rationalians are absolutely their source. The crux of the problem of "the real estate is bad and the owner's loan" is found to cure its roots. (Guyun)

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