Is there still any acquisition value for the unfinished buildings that are basically sold out?

If you are unfortunate enough to buy an unfinished building, you will bring yourself a steady stream of troubles, including inconveniences in personal family finance, work, life, children's education, etc.

Although I didn't buy an unfinished building, there is an unfinished building opposite my community, and I have relatives and friends around me who have bought an unfinished building.

Education

At a class reunion, I learned that a high school classmate bought a real estate building opposite my community. He said that it was very popular when he bought it at that time, and it was also very discounted, there were more apartment types and floors to choose from, and there were many people around him queuing up to buy, so he made a move.

The important thing is that there is a newly built primary school next to the community, and the environment and teachers are good. Therefore, he said that in order for the children to be able to go to school conveniently, he decided on this community. It was normal for two or three years from the start of sales to the first two or three years of construction, but in the fourth year of sales, the community gradually stopped.

After my classmate paid the down payment, the contract formalities were delayed until the child was in the first grade of elementary school. The house was built but not perfect, it was impossible to live in, and there was no purchase contract and invoice.

But as a community student enrolled in a public elementary school, in addition to other materials,Proof of the property is also required: 100% ownership of the parents or grandparents, the House Ownership Certificate or the Real Estate Title Certificate or the purchase contract and invoice. There was no way, and the classmates could only temporarily send their children to private primary schools.

Family influences

I have heard that many large real estate companies use money to enclose land, and then use land to circle money, and the cycle is like this, but the construction site is stopped soon after the start of construction, resulting in a lot of unfinished real estate, and finally suffering a lot of citizens.

When I bought a house, I almost bought a fund-raising house from their group with my classmates in a state-owned enterprise. Later, the house was also unfinished, supposedly because the group had withdrawn its investment. But my classmate has already taken out a loan, but the house has not yet been built, and the loan has to be repaid every month.

The two of them, whose income was not high, made their lives even worse. In the rest of his life, whether at home or outside the home, or at work, everyone in his family was worried and shadowed by the purchase of an unfinished building.

When I first bought a house, I resolutely bought an existing house or a quasi-existing house, the main reason was that there were too many unfinished situations, and no one could guarantee whether it would happen to me. Therefore, in 2015, I bought more than 4,300 square meters of **, and the house was about 3,300 square meters at that time; Now in the past so many years, the existing house is about 7,000 square meters, and the off-plan house is about 6,000 square meters. According to the price difference of 1,000 square meters, a down payment of 100 square meters of house is also a difference of 30,000 yuan, so I will not buy an off-plan house anyway.

Taking a step back, if there is no existing house or quasi-existing house in the whole city, what if I buy a second-hand house? Therefore, it is really not recommended to risk waiting for a few years or even the risk of not being finished to buy off-plan property in order to save tens of thousands of dollars.

Some people may ask, if the houses are capped, will there be a risk of unfinished?

The answer is yes, before the confiscation of the house, any step may be unfinished, and some people even say that the capping is the beginning of the unfinished business. Because the industry practice is that after the real estate is capped, it is necessary to pay the second phase of the construction money to the construction party, and the developer who has problems with the capital chain cannot afford to pay this cost, so the construction will naturally be suspended.

The house bought is unfortunately unfinished, what should buyers do to protect their interests to the greatest extent, everyone's first reaction is to check out. The lawyer replied, don't return. Because even if the lawsuit is won, the developer has no money to return, so if he wants to pay you money, why should it be unfinished.

And he has too many creditors, the bank, the construction party, and the owners who have not checked out have the priority to pay than you, and it will be the turn of the monkey to return the money to you.

The house is unfinished, and I think I'm unlucky, so it's okay if I don't pay the mortgage. The lawyer replied again, no! Because you borrowed the money from the bank, can you not pay back the money because there is a problem with the borrowed money to buy something, obviously not.

And as soon as the loan is stopped, the bank will immediately sue you, will enforce other assets in your name, will put you on the list of old men, and will have a huge impact on your life and your children's schooling, can you really afford these bad consequences?

The only way to go is to be willing to repay the mortgage and overcome many difficulties to make a living, while silently looking forward to the arrival of good luck and the resumption of work and delivery of the unfinished building one day. But the long wait and huge expenses, the helplessness and bitterness of physical and mental exhaustion, are really not something that ordinary people can endure and bear.

No matter how hard you work, you can't get the delivery of the house, which is really a fatal blow to an ordinary person.

If there is really a pain in the world that life cannot bear, then it must be the pain of life pressure that the owner of the unfinished building cannot bear. I really hope that all owners can live in their own houses, and may there be no unfinished buildings in the world!

After buying an unfinished building earlier, it is not possible to stop repaying the loan, but it is necessary to repay the bank's money, because the owner signs an agreement with the bank after buying the house, and the developer does not become the borrower of the contract, so he can only repay the loan. It's just that there are more and more unfinished buildings, so the relevant laws have also made corresponding adjustments to the situation of unfinished buildings in consideration of the particularity of the contract, which is actually a very big guarantee for many owners who have purchased unfinished buildings, and to a certain extent, it can reduce the pressure of repayment.

The current housing prices are relatively high, so many owners will choose to buy a house by way of loan when buying a house, which is also a more cost-effective choice in comparison, so many owners buy a house when the house is under construction, so the owner buys an off-plan house. However, the problem is that after the owner has paid the money, the house has not been able to continue to be built, the project has not been able to progress for a long time, and many developers have not been able to find it, so the owner will feel that he has been cheated.

In fact, there are a lot of news about the unfinished building incidents, there are a lot of owners gathered together to collectively stop repaying the loan, this way is actually more extreme, but the reason why these owners choose to use this way to repay the loan is also because these owners do not want to really repay the debt, but hope that their legitimate rights and interests can be protected in this way, and hope that their current situation can be seen by the local **, so as to solve the emergence of unfinished real estate. If there are individual unfinished buildings, it may actually be caused by poor real estate management, but if it appears in a large area and multiple cities, it may be because there is a problem with the economic order and some local departments do not effectively monitor and manage the real estate industry.

Finally, the relevant departments must effectively deal with the situation of unfinished buildings, so as to protect the actual interests of the owners.

With the rapid development of the real estate industry, there are a large number of "unfinished buildings" in the city, and the appearance of "unfinished buildings" in space and time has caused a huge waste of resources to people's lives and social development, which seriously affects people's living environment and restricts the development of regional economy. There are many reasons for the emergence of a large number of "unfinished buildings", generally speaking, there are the following aspects:

1. The capital chain is broken.

In the project development stage, the developer does not make sufficient preparations, and after the construction project is launched, due to problems in capital turnover or facing a shortage crisis, it will lead to poor connection of funds.

2. The real estate market is chaotic.

In recent years, the real estate market was once considered a "profiteering industry" by the outside world, so many companies have joined this market, and marketing routines and advertising are overwhelming. However, some enterprises are not accurate about the positioning and market of the city, and they invest rashly without finding out the premise, and there is no way to keep up with it in the later stage, resulting in the delay in the completion of buildings.

3. Poor supervision.

When the developer acquires land to build a house, or goes through the relevant procedures, it does not fulfill the obligation of substantive examination, and only superficially works. In second- and third-tier cities, urban planning is unreasonable and there is a lack of predictability for urban construction land, which is also one of the reasons.

See the answers on the web.

The first step is to go to court with the developer if they have not run away or go out of business. As long as the developer defaults on the suspension of work, there is a high chance that the purchase contract will be terminated. Once the purchase contract is terminated, the loan contract will be terminated with it.

For the rest of the money, the bank will go to the developer. For the problem of down payment, we should also try to find the developer to recover, although the probability is small, but it does not mean that there is no opportunity.

The second step, which is also a common problem, is that the developer is bankrupt and we can't find a debt collector, so we can choose to stop the loan directly, which is also a common method for unfinished owners. When you stop the loan, the bank will sue the landlord. Due to the bankruptcy of the developer, the fact that the purchase contract does not exist has been created.

In this case, the owner has a good chance of winning the case. With the developer bankrupt, the chances of recovering the down payment are slim. The developers themselves are bankrupt, and there is a high probability that the money will not come back.

In the third step, the unfinished owners gather and collectively suspend the loan if they do not resume work, so as to allow the local property to resume work. This is also the best way, and it also realizes the original intention of everyone to buy a house for living. At the same time, the problem of down payment is solved.

The house resumed work, and the owner repaid the loan, and everyone was happy.

With the above three methods, some owners have achieved the desired results. Silly waiting, no one came to help us.

It is a painful experience of having no way to enter the earth, saving money for a suite, or a bad end, the bank can not stop the mortgage no matter whether you have received the house or not, otherwise the bank has a way to cure you, not only can cure you, but also let your children go to school and work are affected.

The people are like grass mustard.

MeDidn't buyUnfinished buildingexperience, but I have worked in the real estate industry as an investorObserveI can only ask for people who are planning to buy a non-finished houseWarning

First of all, inFinancial industry, the purchase of unfinished buildings is called".**RoomIt's down-and-outFinancial Investment Behavior——Investors are optimistic about the targetFuture**After thatLayout in advance

Then as an investor, there must beBottom-line thinkingPsychology, such as: developer bankruptcy, local policy adjustment, collective market price of the subject matter**.

Wait a minute. For seeing many artificialUnfinished buildingI was sad when I was hurt and when Hu Xijin spoke out, because many people had already stepped into themUntouchedbut I'm sorry to say that ** room isLegal ConsentThe law will not compensate investors after losing money, and the same will not be because**RoomThe failure of the investment, will giveProtection

Finally, my advice to anyone who doesn't plan to touch the world of investing is:Only buy a solid finished home

Unfinished buildings refer to real estate projects that have gone through land use and planning procedures, but have been suspended for more than one year after the project starts because the developer is unable to continue to invest in construction or falls into debt disputes. There are many reasons for the formation of unfinished buildings, such as the bankruptcy of the developer of the real estate under construction, the lack of construction funds, the project involves economic disputes, and the developer's violation of laws and regulations leads to the suspension of the project, most of which are due to the rupture of the capital chain, the project is not completed, the developer has no money, the bank is unwilling to continue the loan, and the project cannot be transferred to other investors. Unfinished buildings damage the image of the city, waste land resources, and undermine investor confidence.

The solution to buying a house and encountering an unfinished building: If there is a possibility of "unfinished" housing, don't rush to the court first, give the developer a little time, and hope that it will raise funds in a short time to complete the follow-up project, and the consumer's loss can be minimized. If the developer declares bankruptcy due to insolvency, consumers are more likely to receive compensation from the developer than ordinary creditors according to the provisions of the bankruptcy law.

In particular, consumers have already acquired the title to the house through pre-purchase.

Because there is a value for exploitationUsually unfinished buildings.

There are many reasons for the failure to finish, such as the stagnation of the project caused by the rupture of the developer's capital chain, or the suspected improper use of funds in the unfinished building, or the design and structural defects found during the construction process and the project is stopped.

These unfinished buildings are usually carried out at a lower than market price or originally, and some people will buy these buildings for secondary development for commercial activities.

Introduction to the unfinished buildingUnfinished buildings refer to real estate projects that have gone through the planning procedures for land use and allocation, and after the project starts, the developer is unable to continue to invest in construction or falls into debt disputes, and the construction is suspended for more than one year. At the same time, unfinished buildings also damage the image of the city, waste land resources, and damage investor confidence. It is inconvenient to the lives of residents.

Unfinished buildingGenerally, the final treatment method is to consume, and there is an 80% chance of buying an unfinished building in China.

Unfinished buildings are actually often buildings, not only because of the shortage of funds when building this building, or it may also be because of other ways to delay the construction of the building, so the appearance rate of unfinished buildings is very high, many people choose to buy such a floor in advance before the floor is built, the purpose is to avoid after the floor is built, there is no ideal location for themselves, in fact, this kind of advanced consumption.

It's not worth advocating, because we don't know where this thing will go until we see the results, and many people have a lot of debts because of unfinished buildings. For this kind of unfinished buildings that have no way to continue to build, they will be purchased and rebuilt by other owners in the end, but most of the unfinished buildings will be placed there in the end and there is no way to continue to build, and there is no way to be eliminated, which may cause a waste of land resources.

In fact, most of the buildings in China are very small, not only because the two parties signed a very detailed contract in the process of building the building, but also because the state also has relevant regulations In this case, many people will protect their effective rights through legal procedures, so even if you buy this kind of unfinished building, you don't need to be afraid, as long as you can get relevant compensation through legal procedures, and there are definitely more than a few people who buy unfinished buildings. It may be that when the building is unfinished, there will be many people who will seek back part of their compensation through various ways, so at this time we only need to make some attitudes according to their behavior, after all, this is the only way to protect their rights for a short time at this time.