If you throw money in it, you will not be able to live ... The owners of the tail building in many places collectively "stop loans"

The blue word follows "China Well -off" "If all of them stop, the bank may sue, auction the house directly, and the credit reporting will be affected, but I can't help it. If you continue to throw money in, you will not be able to live." "At least 14 rotten tail owners announced forced to stop loan!" Recently, the news rushed to the hot search. What happened?

According to the First Financial News, the owners of the tail buildings in many places recently issued a statement that it is necessary to force the suspension of repayment of the loan until the relevant projects are fully resumed. , Jiangxi, Hunan, Hubei, Guangxi, Shaanxi and other provinces.

1 Zhengzhou Yinghong Real Estate owner to stop loan

In 2018, Mingmen Cuiyuan became the "sales" of the Zhengzhou property market. By the end of 2019, the work was stopped. In October 2019, the project chiefs posted a statement at the gate of the famous gate Cuiyuan, saying that the famous gate was seriously arrears of the project funds, and the project project was seriously lagging behind. The owner did not receive the room at the agreed time, and at the same time, the sound of the broken sound chain of famous real estate began to flow out. Since 2021, Multi -projects under Mingmen Real Estate have stopped in succession, and employees have complained that they arrears wages. At that time, the company's operations were verified that the company's operation was abnormal. ▲ Figure/Enterprise Checking Enterprise Checking Website Information shows that Zhengzhou Heavyweight Real Estate Enterprises — Henan Real Estate (Henan) Co., Ltd. applied for bankruptcy and reorganization. It is understood that the company has accumulated more than 40 pieces of information, China Construction Second Bureau, Guangfa, and Guangfa Banks and Zhongrong International Trust have brought Mingmen Real Estate to court. The latter was listed as a dishonesty and the executor 35 times, and the total execution amount reached 10.7 billion yuan. The buyer Wang Jun was one of the owners of the famous Cuiyuan. Seeing that the real estate was difficult to resume work, Wang Jun was forced to be under pressure and moved the idea of ​​"suspending loan". A few months ago, Wang Jun communicated with the bank and applied for a direct suspension of loans. The bank said that the owner belonged to the loan relationship, and it belonged to the developer's trading relationship, and the loan could not stop. Another owner of the famous Cuiyuan also has a similar situation. According to the owner, she stopped the repayment in March this year and did not communicate with the bank. In June, the bank found her and said that she could apply for an extension to December, but she had to pay the penalty from 3 to June. 2 The owner of the Wuhan Times New Town Project suspend loan recently has been circulated on the Internet. There is still no substantial progress on the site rights protection. Thousands of households (the houses have been sold and the loan has not been settled) decided that if the project has not fully resumed the work within the limited time (August 1, 2022), the owner will be forced to stop the bank to return the bank Monthly. "Public information shows that the Wuhan Times New City project covers an area of ​​210838.9 square meters, with 36 planning houses, with a total number of 5,032 households, of which 3,500 are in the first phase, and the second phase is now 1200. On September 15, 2019, the project opened for the first time, and 3,264 units were completed in one year, and with this one fell swoop, it won the sales area of ​​Wuhan in the first half of 2020 and the sales units. Lawyer saying: suspend loan or involved in illegal contract

Wang Yuchen, director of Beijing Gold Prosecutor's Firm, told the Beijing News: "There is no particularly clear legal provision on this aspect. If the court's decision is suspended or the loan agreement is not reached, the buyer's rashly suspension will often become a breach of contract. Not only will credit reporting will be affected, but it may also be sued in the court, and may even be forced to execute by the court. "

In fact, behind the owners of rotten tail buildings in various places, the common problems of developers' misappropriation of regulatory funds in violation of regulations, and this problem often directly causes the stop work of real estate or even rotten.

Pre -sale funds for commercial housing refers to the implementation of third -party supervision with banks with banks with banks with banks with banks. Real estate development enterprises must deposit pre -sale funds into bank -specific supervision accounts. In recent years, policies have also introduced all parts of my country to strengthen the supervision of pre -sale funds to ensure that the pre -sale funds are used for real estate project construction, and the project funds are paid on schedule. However, during the execution process, the supervision of pre -sale funds is often greatly reduced.

In this regard, Yan Yuejin said: "Multiple suspension incidents reflect the importance of pre -sale funds, and the pre -sale funds are not in place, which has led to the vacancy of the construction funds of housing enterprises. It ’s time. So the policy of pre -sale fund supervision still does not forget the original intention, that is, it is a firewall mechanism established to ensure that the project is not bad."

"It stands to reason that there is a policy of pre -sale fund supervision. It is impossible for real estate to be rotten, because the supervision of the pre -sale funds can theoretically ensure that the project is completed on schedule. Construction costs. So the rotten tail buildings broke out in all parts of the country this time, in fact, a warning was proposed. The funds for supervision of the regulations must be managed. Do not have blank accounts and false supervision. "Yan Yuejin added.

In terms of supervision of pre -sale funds, in addition to the real estate administrative departments in various places, banks also play an important role. In this regard, Zhang Dawei, chief analyst of Central Plains Real Estate, believes that "banks have multiple identities in the real estate development process and pre -sale fund supervision system, including providers of real estate project development loans, providers of house purchase payment services, and housing loan funds. The actual appropriations who provide regulatory fund allocation services in accordance with the fund supervision agreement, so we can see that the bank as a middleman who provides financial services, and the interests of the real estate development enterprise are relatively deep. It affects the independence and fairness of banks in the actual supervision process. "" In fact, the vulnerabilities that appear in some banks in the actual operation have led to market chaos Wait for it. When dealing with these problems, the banks that operate illegally should also be responsible. "Zhang Dawei said.

Source: Xiaokang Headline Comprehensive Beijing News, First Finance, Daily Economic News

Responsible editor: Tian Yuan Yingying

School pair: Wu Jinyang

Review: Gong Zimo

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