When a 35 -year -old IT outsourcing babies decided to stop loan

21st Century Business Herald reporter Wu Shuying Shenzhen Report

On July 10, 2022, the 35 -year -old IT outsourcing Outsourcing Xiaoli's mortgage loan repayment date. As usual, he will deposit 7,000 yuan in the mortgage loan account, but he does not have this day.

That night, he and his good brother went to drink, drunk. There was a "Old Boy" in the restaurant. There was a sentence in the lyrics, "Did the original wishes realized? Can I only sacrifice it now?" He felt that his portrayal was crying in front of the good brothers.

Xiao Li is the owner of Xi'an Shimao's bright city. In April 2020, Xiao Li sold a two -bedroom room in Xi'an. After half a year, he spent 580,000 down payment and loans of 1.32 million to buy a house in this project.

Now that Shimao has stopped work for several months, there have been several news from time to time, but the progress of the project has not made significant progress.

Xiao Li should get this house at the end of this year, but the remarried resumption made him unsatisfactory.

Xiao Li decided to stop loan, although his monthly salary was 16,000, and his income was acceptable. He did not think about the chain reaction brought by it. In addition to the credit reporting, he also worried that the salary card was frozen and worried that the electronic payment method was also discontinued. But he went out.

Two days later, Xiao Li took his drone to shoot a circle at the project site. As he expected before, there was no one except water accumulation on the project.

Since the owners of the Long Ting Town Project in Jingdezhen, Jiangxi, the first stated that the owners of rotten real estate in Henan, Hubei, Chongqing and Shaanxi and other provinces have taken action.

According to public information statistics, as of now, about 180 owners of real estate have issued a statement of suspension. The wings of butterflies waved.

Helpless gambling

The common demands of the owner of loan owners are to urge the project to resume work. But this month or earlier, most owners did not take this way.

The famous Cuiyuan of Zhengzhou, Henan, should be delivered in batches on September 23 and December 30, 2019. However, with the intermittent suspension of work, this project has not been fully delivered to this day.

In the past two years, the owners of the famous Cuiyuan have communicated with each other, and the developers have repeatedly promised that most of the 6054 households still silently carry the mortgage and wait for a exact result, but the promised delivery time has repeatedly pushed back.

After many hopes of falling, they don't want to wait any more.

According to the materials provided by the owner of the famous gate Cuiyuan to the 21st Century Business Herald, the results of the preliminary statistics show that the owner of the community will plan to have more than 1,000 recent loans. Before Stop loan.

The owner does not pay the price, and he knows the consequences of suspension of loan. Their gambling is a choice in helplessness.

An owner of the famous Cuiyuan told the 21st Century Business Herald reporter that before this month, they have also passed the feasibility of suspending loans with the bank ditch many times.

"But the bank definitely disagrees. The way they give is to prosecute first if they want to stop the loan, and then lift the contract with the developer. After the contract is terminated, the loan can be stopped. But if this is terminated, our down payment and the repayment are repaid. In the early stage of loans, they all drifted and the house was gone, so it would not work. "The above owner pointed out.

The suspension of loan was not coordinated. Some owners felt that they could not see hope. In addition to their own objective conditions, they had to stop loan passively. Before deciding to stop the loan, they knew the results themselves.

"I am still watching whether to stop loan now, because the loan is my daughter -in -law. For professional reasons, she pays more attention to credit reporting, and we can only say that the monthly supply of 5,800 a month plus more than 3,000 rents. I can still support it. But in order to fill in this hole, I have left Zhengzhou to work. Other owners, he can't see hope, (project) is hopeless, and they are unwilling to pay for it. "Another one The owner of the famous Cuiyuan pointed out.

In Wuhan, the owners of the New Town have also encountered similar situations in the near future.

Times New City has 4604 owners. It should have been made in batches on March 30, May 30, and November 30, 2022, but at present, most of the rough and civil building work of most buildings in the community has not yet been completed. Although there are a certain number of workers every day Working at the scene, but far from reaching the due construction progress, the delivery of the house is far away.

"The one I bought is 33 floors, but now it is less than 10 floors. Other owners, I bought a big pit, the one he bought has not seen the house built yet." One The owners of the New Town told the 21st Century Business Herald reporter.

And even a building with a certain construction progress, the situation does not change.

The above -mentioned owners pointed out, "From August last year to the present, there has been no construction progress. We have some owners who have stopped loan without permission. No public passing with us. "

Where did the money go?

The reasons behind the project stop are many aspects. Developers are dangerous, force majeure, etc., may point to this result. However, in the current situation, most of the suspension projects are directly related to the shortage of project development funds. Among them, there are not enough funds for regulatory accounts to become a common reason.

However, the sales of a real estate range from billions to more than 10 billion yuan. Under the normal cost of building safety and compliance regulatory calculations, this phenomenon should not be occurred. How does the question happen?

Taking the project of Shimao, the project where Xiao Li is located as an example, there is a situation where the funds of supervision accounts are misappropriated.

According to the 21st Century Business Herald reporter's "Reporting Survey of the Bank of Shaanxi insurance violations", the relevant parties clearly stated in the response to Shimao's bright city owners, "Listing information shows that CITIC Bank Xi'an Branch was October 30, 2020 30, 2020. On the day, your personal housing mortgage loan is included in the first -level account opened by Shaanxi Kaicheng Industrial Co., Ltd. at CITIC Bank Xi'an East Street Sub -branch and has not been included in the pre -sale fund supervision account. "

According to Qixinbao's data, after layer of penetration, Shaanxi Kaicheng is still holding about 50%of Shanghai Shimao Construction Co., Ltd. That is to say, CITIC Bank then directly transferred the owners' pre -sale funds to a first -level account with Shimao.

Not only are banks, the role of developers cannot be ignored.

A person from the funding department of the housing enterprise analyzed the 21st Century Business Herald that in practice, the pre -sale funds were misappropriated.

"For example, although the supervisory bank will ask for pre -sale funds to enter the supervision account, because when the building is selling, a developer may have a lot of accounts. Although the regulatory account is specified, when the buyer is sold, the buyer allows the buyers When the money is hit to a non -regulatory account, the bank cannot control this situation. In this case, the bank can only urge, but there is no closed loop that can ensure that the pre -collection account must be entered the regulatory account, and it cannot be rigid control.

The situation of the name Cuiyuan can explain this.

According to the relevant response materials provided by the owner, the name Cuiyuan · Xi Qingyuan has the behavior of collecting the purchase of houses before the pre -sale permit, and the money received before the pre -sale permit cannot be included in the supervision; It stipulates that the mortgage loan is deposited into the regulatory account in a timely manner.

This situation is common. According to the 21st Century Economic Herald reporter, after the suspension of the work, the pre -sale funds supervision account is almost almost left, less than millions, and as many as tens of millions of yuan. It is difficult for these funds to support the complete resumption of the project.

A person from a city commercial bank told the 21st Century Business Herald reporter that sometimes banks may have a certain excessive supervision in order to fight for cooperation with real estate enterprises, but this must be scratching. "Any more, there is a upper limit of pre -sale funds, and this upper limit is not high. You can remove this proportion."

The "Notice of the Ministry of Housing and Urban -Rural Development on Further Strengthening the Supervision of the Real Estate Market Supervision and Perfecting the Pre -sale of Commodity Housing Preliminary Systems" issued by the Ministry of Housing and Urban -Rural Development in 2010 stipulates that the pre -sale funds for commercial housing shall be included in the regulatory account. The sale funds are used for the construction of commercial housing projects; the pre -sale funds can be verified according to the construction progress, but they must leave enough funds to ensure the completion and delivery of the construction project.

The details of various places are different.

Taking Zhengzhou as an example, in 2009, the "Zhengzhou City Commercial Housing Pre -Sale Mission" that was published in 2009 and was revised in 2022 stipulated that the pre -sale of pre -sale of pre -sale of commercial housing should be prepared, and the use of use of models should be prepared and collected. Pre -sale models of commercial housing can only be used to purchase the construction materials, equipment and payment of the construction progress of the construction of the project and the legal tax and fees for the construction of the project.

However, the regulatory measures in Zhengzhou have provisions that can exempt the use of pre -sale funds.

This regulation is specifically that under the condition of ensuring the completion of the construction of the entire project, the pre -sale of commercial housing can be used in accordance with the following regulations: allowing it to be used for loan repayment; in accordance with relevant regulations, the sales progress has reached sales agreed in the development loan bank. After the proportion, pre -saleers can be allowed to repay loans; it can be allowed to be used for calling.

This means that under such regulatory rules, if it can be guaranteed, the pre -sale party has a certain room for calling the pre -sale funds. A real estate analyst who did not want to be named told the 21st Century Business Herald reporter, "Pre -sale funds are supervised, and the scale of various places is basically different. Generally, it is loose."

Butterfly wings

At present, whether it is a developer or a bank, the decision to stop loans of the owner is relatively lacking in risk management in advance.

The 21st Century Economic Herald reporters asked a number of local financial bureaus, developers, and banks. This will happen.

What chain reaction will stop loan?

A rough estimated data is that Kerry reported that as of the end of 2021, in its 24 key monitoring cities, the total construction surface of the project that had not been delivered was as high as 24.68 million square meters. 186,000 units, accounting for 10%of the annual transaction area in 2021, and about 9%of the number of transactions in 2021.

Among the above -mentioned projects that have not been delivered, Zhengzhou, Changsha, Chongqing, and Wuhan have suspended work.

According to the research of Guangfa Securities, from the perspective of potentially affected bank assets, according to the statistics of Guangfa Securities, if 500 million square meters of stop work, according to the price of 10,000/square meter assets, the corresponding asset value is worth 5 trillion yuan. The down payment ratio is 60%, corresponding to 2 trillion yuan mortgage loan. This is an estimate worthy of attention, but lacks rigorous statistical support.

Affected by market news, bank stocks have weakened every day, and major banks have to stand out at this time.

In the public response of the bank, Industrial Bank pointed out that recently, the bank's real estate involved in the news of the "suspension of loans" on the Internet quickly launched a investigation. After investigation, as of now, the Industrial Bank has involved the balance of mortgage loans related to the "suspension of loan incidents" (of which the balance of non -performing loans was 75 million yuan), and the mortgage amount that had stopped repayment was 384 million yuan, which was mainly concentrated in Henan.

According to Industrial Bank, "Thanks to the company's differentiated access and management requirements for mortgage loans in the early stage, the overall size of mortgage loans that have been involved in and risk risks in the company is small and will not have a significant impact on the company's operations. "

Although the current situation announced by the bank is temporarily incomparable, there are judgments that the court may support the owner's demand if the owner suspends his loan because of the rotten project.

In 2018, a case of trial of the Guangdong Higher People's Court can be used as a reference.

This case is a dispute between China Merchants Bank Huizhou Branch and the respondent and the third -person third -party Guangyao Group's financial loan contract. In this case, the bank did not pay the loan to a special account for pre -sale. Instead, he transferred to another account of the developer, causing the funds to be misappropriated and the project was bad. The Guangdong Provincial High Court set off from the principle of fairness, with the responsibility of contractual negligence, and maintained the judgment of the first and second trials: Before the developer pays the house, the buyer may not repay the loan, and the loan bank paid by the buyer does not need to return.

This means that if the real estate has transferred funds to non -regulatory accounts, the project is rotten, and the owner's suspension of loan is likely to be supported, and banks must also bear the corresponding responsibilities.

What is the difficult situation

The current situation is not an irreplaceable dilemma.

Most of the owners interviewed by the 21st Century Business Herald, most of them have clearly stated that if the problem of resumption and delivery can be guaranteed, they will not use the way to stop loan and pay a full mortgage loan on time.

This returns to the sharp problems that the real estate industry is currently facing, and how to ensure the realization of "keeping delivery, insurance delivery, and protecting people's livelihood."

From the level of insurance enterprises, they are not without motivation to resume work. But the real problem is that after the risk of risk, the sales and financing ends are almost stagnant, and there are not many chips in their hands.

A person at the headquarters of the insurance housing enterprise said in an interview with the 21st Century Business Herald that the current problem is that the market confidence cannot be mentioned, and the real estate financing lending is not available. This is the uncertain variable of the "insurance delivery" task in the future.

However, inside -out companies are not unable to do it. Finding appropriate incremental funds in compliance may be revitalized.

Yu Xiaoyu, the research director of Yihan Think Tank, analyzed the 21st Century Business Herald that if the pre -sale funds have been misappropriated or the remaining value of the remaining value is not enough, the difficulty of re -work is still very large. For real estate companies, feasible solutions include: Cover the misappropriation of pre -sale funds, call funds at the corporate level, and revitalize the remaining goods value.

In addition to the above methods, Yu Xiaoyu pointed out that if the structure of the asset contracting equity claim is clear and can ensure the balance and loss, the local government can use local urban investment mergers and acquisitions for some project asset packs; Accelerating resumption is also a way.

Ai Zhenqiang, chief researcher at the Mingyuan Research Institute, believes that the project activation and delivery are facing many problems. It is necessary to take effective measures to improve the efficiency of pre -sale funds difficult to supervise and re -production and re -production; in addition, the project can also be revitalized through the method of taking over projects by financial institutions.

In any case, in the current market market, the recovery and booster of confidence is a critical factor.

A person at the headquarters of South China housing enterprises told the 21st Century Business Herald reporter that under the current situation, the owners should be maximized and the effective methods of recovering the misappropriated regulatory funds should be recovered.

He suggested that officials in various places can also coordinate the establishment of special funds for insurance delivery, and use the "crossing the bridge" for some enterprises that cannot be started due to liquidity. Do a good job of supervision of construction quality.

A senior person in the insurance housing area told the 21st Century Business Herald reporter that in addition to the necessary asset monetization, the banks that can communicate by illegal loans can be communicated first, and they will be re -service to ensure delivery to ensure that the owner continues to repay the loan. This situation is conducive to long -term development for all parties.

From the perspective of the "insurance delivery building", if the owner stops loan, the developer and the bank can be regarded as the community of destiny. The joint action of the two parties may be a feasible idea. Before that, there were also some before, there were also some, there were also some, and there were also some before, and before that, there were also some. The same case can be referred to.

For example, CITIC Bank and Jiazhaoye's recent cooperation can be used as samples.

According to previous news from the 21st Century Business Herald, CITIC Bank, which is a debtor of Jiazhaoye, cooperated with Jiazhaoye and CITIC City to serve the three projects in Shenzhen. Among this service trust, CITIC Bank actually exists as a creditor; CITIC City Kai is the role of financing built, providing certain activation funds for the construction and development of subsequent projects; After the recovery of CITIC City, it was eventually belonged to Jiazhaoye.

Leaving aside the status quo, the general concern of the real estate industry is that under the current confidence conduction, most private real estate companies also need market support. On the financing side, we also hope to see a warm -up trend to ensure the steady and healthy development of the real estate industry.

The above -mentioned South China real estate enterprises continued that in order to ensure the normal liquidity of the industry, it is recommended that the risk assessment system of real estate companies should be done, maintaining a normal financing environment, and a healthy enterprise with normal qualifications should ensure normal financing work and avoid worrying " Thunderstorms "tightening lending, causing their daily operations to worsen.

Under the continuous fermentation of loan storms, the risk of rotten buildings still needs to be solved by multiple parties. This will be a prerequisite for the real estate industry to bottom out and slowly recover the restoration of steady and healthy development, and the market and industry, at this time, is the most confident moment.

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