The house is suspended, and the owners have decided to collectively suspend the repayment of the loa

The developer's profit comes from the house price minus the above 1234. If it's a positive number, you earn, and if it's a negative number, you lose. Doing business is never about addition and subtraction.

Developers are in business, and the first step in doing business is to set up a project company to avoid risks. If it's a positive number, then naturally hope that the more the better, but what if it's a negative number? Transfer the money as soon as possible.

Therefore, when the construction party knows that the developer has no money, usually the developer either uses the money to repay the interest, or transfers all the money, in short, it is impossible to leave the money in the account and wait for the construction party to take it. The money is gone, and the only way is to deduct the house. If the developer has other assets, these assets can also be used to pay off debts, and if not, they mainly revolve around the houses in the development.

There are also several types of houses: houses that are sold with online signatures, houses that are sold without online signatures, houses that have not been sold, houses that have not been sold off debts, houses with house capital, houses that have been moved in, ......<

At this time, the bank, the investors who have not received the principal interest, and the construction party quickly understood that the developer had nothing but the project under construction. The three families are in competition with each other, and they either sit at the table together to talk, or they compete faster than anyone else. Investors are often not ordinary characters - there is no priority, no mortgage, dare to lend usury, how can you do it without some ability?

Of course, there are also those who have no ability and have no return. In order to ensure a large amount of capital returns, investors are more afraid of forcing them to repay the money, and the so-called capital chain is broken, and many of them are crushed by interest. Banks are not fools either, the loan is not released and cannot be recovered, what to do if they take responsibility, it is easy for them to find the developer's money.

As the construction party said earlier, the project will not be withdrawn. The three families will start to act very tacitly, but without exception, they don't want the house to be built, because if the house book is really built, everyone will become a charity. <>

The direct object of the loss of housing prices is the buyer, 1. The bank will ask the buyer to increase the collateral to cope with the shrinkage of the property value, 2. The most unlucky person in the economy is the buyer, the buyer has decades of loans to repay, and the most afraid of losing his job, the bank will auction your property, and the buyer will become a debtor if the auction is not enough, and he still owes a bank loan if he has no house. 3 real estate collapse in the past few years, now the economy is in a mess, foreign capital is withdrawn, enterprises are closed, workers continue to be laid off, the population is aging, although the second child is released, but now young people see the reality, they are very tired, will not add to their burden. Real estate has kidnapped China's economy, and the people of the whole country are house slaves, how can there be money to consume, and how can the economy grow without consumption.

Of course not, you owe money to the bank, the house is being repaired by the developer, you take out a loan, and the bank doesn't care if you can get the house or not, because it has nothing to do with the bank.

It's impossible, real estate and banks are one family, and they are embarrassed, and they can't get off when they get on the thief ship.

It doesn't matter if you take out a loan or not, it doesn't matter if you buy a house or not, and it doesn't matter if you borrow money and whether you build a house or not.

The real special national housing should be canceled, only the existing house can be sold, and the area for sale should be according to the actual area.

If you raise 100,000 yuan per square meter, the bank will give you dividends, the bank will lend you money, not give you a house, and the risk must be borne by yourself....

Unfinished buildings can be jointly sued by the real estate company. The loan is to repay the bank, and it is to deal with the bank and not mess around, and do things according to the rules!

The money you pay off the mortgage is paid back to the bank, not to the developer, and the bank gives the money to the developer itself.

If they don't repay the loan, the bank will deduct the developer's deposit, and the collective suspension will make it difficult for them.

Developers and banks are two different concepts and two links. You can ask the developer for a house, but the bank will definitely ask you to repay the mortgage.

Yes, why not? If you don't have what you want to buy, why pay for it?

Owners can't go privateLoan suspension, otherwise it would constitute a default on the debt. If the owner suspends the loan, it can be carried out in the following ways:

1) Make a request to the bank.

The owner may jointly apply to the bank for suspension of loan repayment, but whether the loan can be suspended depends on the result of negotiation between the two parties, and if the bank agrees, the loan suspension agreement may be signed.

2) Ask for help.

** The relevant departments are responsible for supervising the delivery of the house by the developer, and after the house is finished, the owner can jointly ask the ** department for help, request to intervene in the investigation, and require the developer to resume work and deliver the house as soon as possible. And request the ** department and the bank to negotiate the loan suspension.

3) Filing a lawsuit with the court.

Filing a lawsuit with the court is a request for the developer to bear the liability for breach of contract.

In addition, the house sale contract and mortgage contract are terminated, and the loan can be suspended after the contract is terminated.

Unilateral suspension of loansCut off supplyto bear the consequences

1. Bad personal records will be generated.

Stop paying the mortgage, that Mr. Chen's personal credit report at the bank.

will leave a bad record and be retained for a period of 5 years. In the past five years, Mr. Chen's loan business, quota, and interest rate discounts in the bank will be seriously affected.

2. Penalty interest will be incurred.

When the mortgage is stopped, the bank will not only continue to pay for the loan, but also charge an additional 30%-50% loan interest rate.

as a penalty interest per day.

3. It will affect daily life.

Once sued by the bank, the court holds the difference. At this time, Mr. Chen will be blacklisted.

In the future, travel, transportation, accommodation, and high consumption will be seriously affected.

4. The bank auctions the house and continues to collect debts.

If Mr. Chen finally chooses to "abandon the house and cut off the mortgage", then the bank will auction the house, and then the bank will give priority to the auction proceeds to repay the liquidated damages.

and interest, if there is any money left, it will be used to repay the principal. If the principal is not repaid, the bank will still pursue the remaining mortgage from Mr. Chen, which may be burdened with Mr. Chen's life.