Recently, the management of pre sale funds in various places has been tightened, what are the key po

Increase the transparency of pre-sale funds. In this regard, all the funds for the pre-sale of commercial housing are directly deposited into the special account for supervision, and the commercial bank is responsible for recovering the funds used for supervision without the verification and consent of the house. Construction department within the jurisdiction.

All pre-sale funds should be deposited directly into a dedicated regulatory account. When the developer signs the contract for the sale of commercial housing with the buyer, it shall indicate the information such as the special supervision account, and indicate the payment method, the specific payment time and amount.

The supervision of commercial housing pre-sale funds refers to the third-party supervision of commercial housing pre-sale funds by the real estate administrative department in conjunction with the bank。Real estate developers need to deposit the pre-sale proceeds into a special supervision account of the bank, which can only be used for the construction of the project and cannot be used at will. For example, the previously issued new regulations on the supervision of pre-sale funds for commercial housing require that deposits, down payments, mortgage loans and other housing purchase funds issued by commercial banks and provident fund centers must be deposited into the supervision.

Through a dedicated monitoring account.

From the perspective of the reserve price of land transfer, the housing prices in most cities are large, and the pressure of regulation and control is still very great. Real estate policies continue to tighten, many real estate companies have defaulted on their debts, and the risk of project delivery continues to intensify. Many provinces and cities across the country have successively strengthened the regulatory policies for pre-sale funds, including increasing the proportion of key regulatory funds, strictly supervising the collection and supervision of account funds, and adjusting the proportion of regulatory funds retained by construction nodes.

Affected by this, the actual available funds of real estate enterprises are significantly less than before the policy was introduced.

It is important to know that for some off-balance sheet or highly leveraged real estate companies, under the supervision of policies, they may face the difficult process of shrinking or returning to the balance sheet, which may expose problems such as asset quality and high debt。Defaults are frequent. Typical examples such as China Fortune and Blu-ray all have problems with the quality of assets and structural pressure on the liability side.

However, real estate companies hope to recover their investment through equity transfer, but they are faced with a situation where only good locations and good projects can be easily transferred. This situation is partially verified in the pre-default asset** process of the defaulting housing company.

The new regulations on the supervision of pre-sale funds of commercial housing have been promulgated, and the supervision of pre-sale funds of commercial housing has been standardized and improved through measures such as determining the supervision bank through bidding, reasonably determining the supervision amount, clarifying the regulatory responsibilities of all parties, establishing an information sharing mechanism, and determining the first and last allocation nodes.

Through such a policy, we can increase the management of funds in various localities, promote the relaxation of funds, prevent the shortage of funds, improve the use of funds, and improve the local shortage of funds.

Improve the transparency of pre-sale funds, enter the supervision of third parties, and deal with problems that may arise under monitoring and supervision in advance.

The significance of monitoring the existence of funds is very large, so that the house will not be built because of the shortage of funds, and consumers will not be unable to live in the house because they have bought a house, which is a very good guarantee for consumers.

I think the significance of the existence of regulatory funds is to maintain the development of the current society and protect some rights and interests of home buyers.

Ensuring that the funds are earmarked can also make the transaction process smoother and safer, and can make the inflow and outflow of funds more transparent.