Jingwei Quick Comment: It is not advisable to stop loans, and real estate resumption should be a top priority

Zhongxin Jingwei, July 14th (Xue Yufei) Recently, the incident of "mandatory loan of the owners of the bad tail building" increasingly intensified. The quasi -industry owner is ready to join.

At present, the proportion of pre -sale supervision funds for pre -sale supervision funds that are suspended by prospective owners have caused the construction of projects to be under construction slowly or even suspension. Facing the delivery of the new house, the prospective owners cannot imagine when the cold reinforced concrete can become a warm home, and we have no intention to continue to repay the loan.

Calculated according to the total price of 1 million yuan, a loan of 700,000 yuan, and a 30 -year equity principal and interest repayment calculation, the monthly repayment amount of the prospective owner reached more than 3,400 yuan. In 2021, the per capita disposable income of urban residents across the country was 47,412 yuan (average of 3951 yuan a month). In other words, even if the husband and wife are repaid together, the monthly repayment amount will occupy a large proportion of disposable income.

However, rashly suspending loans is the helpless move of "killing the enemy a thousand and self -harming 800". On the one hand, the quasi -owner may carry credit stains and affect personal credit. On the other hand, houses in construction may be sealed , Auction, the owner's money room is empty.

A more serious problem is that many quasi -owners who stop working real estate try to join, which is quite rapid. Once this situation is formed in the national market, it will further lose confidence in buyers' confidence in new houses, becoming a vicious cycle of confidence in the property market than falling in house prices. At the same time, although the suspension of loan storms is still within the controllable range, it does not rule out that the future will cause a chain reaction and financial risks.

Facing the intricate economic situation, the central and local governments have repeatedly proposed to stabilize the real estate market. At present, it is imminent to prevent self -suspension of lending storms. Of course, prospective owners have disconnected the confession at the cost of damaging personal credit. The original intention must still attract the attention of all parties, and actively promote the re -production of real estate construction in construction, and urge real estate enterprises to maintain the house delivery quality and quantity.

Where does the money come from the real estate resumption? First of all, it is necessary to recover the misappropriated pre -sale funds as soon as possible to ensure that the funds are used in project construction. In the end, financial institutions' loans and financing windows can continue to be opened to more high -quality companies and inject live water into the industry. In addition, many real estate also exists in "performance re -work". The housing construction department shall supervise and formulate a detailed resumption plan to appease the owner in a open and transparent manner. (For more report clues, please contact the author [email protected]) (Zhongxin Jingwei APP)

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Editor in charge: Luo Yan

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