The country s first special loan for guaranteed delivery of buildings is in place, can the problem

I think it is difficult to solve the problem of unfinished buildings fundamentally and completely, but we need to solve the problem of unfinished buildings at all costs.

The reason for this is mainly because there are many problems of unfinished buildings across the country, especially for those small and medium-sized cities, because these cities themselves are overly dependent on the real estate industry, and many real estate developers are not in a good financial situation. In this case, if the real estate developer demolishes the east wall and repairs the west wall, this situation will definitely lead to the problem of unfinished buildings. It is precisely for this reason that the country will implement the so-called special loan for guaranteed delivery of buildings, and in this way to further implement the basic goal of "guaranteed delivery of buildings".

The whole country has already had a special loan for "guaranteed delivery of buildings".

In order to further ensure that all real estate projects can be built normally, the whole country has a special loan for "guaranteed delivery of buildings". If the real estate developer encounters financial problems, the real estate developer can use this special loan to build the real estate, so as to ensure that the unfinished building can resume construction normally. Under this measure, many places have already started to restart work in unfinished buildings.

It is difficult to solve the problem of unfinished buildings fundamentally and thoroughly.

We can try to understand that even if there are special loans for these unfinished buildings across the country, because the problem of that building itself belongs to the use of funds in the supervision account, and there is also a certain gap in funds, it is impossible for these special loans to make up for all the fund gaps. We can understand this measure as a further attempt to "ensure the delivery of buildings", because this method can at least ensure that some of the unfinished buildings can solve the problem, but it is difficult to solve all the problems of unfinished buildings. <>

In my personal opinion, the problem of unfinished buildings itself needs to be attributed to the responsibility of the real estate developer and the Housing and Urban-Rural Development Bureau, because this problem has caused a large number of funding gaps, so it will be very difficult to deal with this problem.

It is uncertain how long it will take for unfinished buildings to be resolved. Generally speaking, the developer is responsible for the unfinished property, and the buyer has the right to move out in accordance with the relevant provisions in the purchase contract.

It is still difficult to solve the problem of unfinished buildings, and some relevant policies should be introduced to manage this situation in the future, so residents still need to be cautious when buying houses in their daily lives.

"Guaranteed delivery of buildings" was mentioned in such an important meeting, which is of great significance to stabilize real estate confidence and prevent more unfinished buildings. It is believed that a series of policies will be introduced in the second half of the year to solve the problem of unfinished and suspended loans.

Personally, I think it's still hopeless, because this "guaranteed delivery building" refers to those under construction, not those that have been completed. For those that are already unfinished, it depends on whether the developer has a conscience, and if not, don't think about it.

One thing to say, the problem of unfinished buildings is still hopeless, and the reason is very simple. Because the reason why unfinished buildings can be unfinished is because there is a financial problem, and the developer has run away. This time, the "guaranteed delivery building" refers to those off-plan houses under construction, that is, the official only intervenes to ensure that the developer's funds will not have debt problems, and to ensure that the construction of the community can be successfully completed in the end.

And for those properties that have been unfinished, there is only one way to have hope, that is, someone will take over, and the original Yu Dou will take over the developer's debt, otherwise it will be impossible, because no one will give a large amount of money for nothing. Seriously, the problem of unfinished buildings is basically impossible to solve without Wang Shang. Of course, for some unfinished buildings with small debts, the relevant departments can still solve them, but for the big ones, it is basically impossible, because the official does not have so much money.

How to say it, in fact, it is basically impossible to think that the official solution to the unfinished real estate is basically impossible. Why? I'll tell you this, all unfinished real estate projects are unfinished because of the debt crisis, that is to say, the original developer borrowed 100 yuan from the bank, planning to build a community, if it is built and sold, you can earn 200 yuan, and after paying off the bank's 100 yuan, you still have money.

But the question is, if you can sell these houses, if you can't sell them all, then there will be overdue debts, and if you continue, the developer will run away, leaving a large amount of debt, do you think someone will take over as a big injustice? Unless there is an accident, such as the surrounding area is suddenly planned as a key area, resulting in the price of the first and profitable, no one will take over.

In general, there is still no hope for unfinished buildings, because this is only for off-plan properties under construction, not for those properties that have been unfinished.

There is indeed hope for unfinished buildings in many cities, because these measures mean that the relevant departments will pay more attention to the construction of real estate, and many unfinished buildings will be restarted.

For those places where there are rotten and tailed buildings, it is said that because local real estate developers have a certain shortage of funds, many real estate projects have no way to build normally. When a real estate is suspended for a long time, this behavior will not only lead to the relevant real estate becoming unfinished building, but may even lead to the real estate directly becoming an abandoned building. If we want to maintain real estate, we not only need to solve the problem of house price fluctuations in various places, but also need to take the initiative to solve the problem of unfinished buildings in these places, which will directly affect the confidence of many buyers.

The problem of unfinished buildings will be solved as a result.

This reason is actually very simple, when more and more departments begin to pay attention to the construction of unfinished buildings, the number of unfinished buildings in the country will only become smaller and smaller. Even if the real estate developer has these problems, the place will do everything possible to ensure the normal construction of the property, so buyers basically do not need to worry about the problem of unfinished buildings. <>

We also need to proactively control the number of unfinished buildings in various places.

In some cities, the number of unfinished buildings is very large, and even in some places, the proportion of unfinished buildings has exceeded 20%. From my personal point of view, we need to take the initiative to control the number of unfinished buildings in various places, and at least ensure that the number of unfinished buildings is within 2%. If this can be done, the real estate of the whole market will be better and better, and buyers will be confident in the real estate, I think reducing the probability of unfinished buildings is a necessary condition to ensure that buyers are willing to buy houses.

In general, when the buyer has already paid for the purchase, we should not let the buyer see that the property they are buying is unfinished. This situation will not only lead to serious damage to the basic rights and interests of home buyers, but also affect the market sentiment towards real estate transactions.

Personally, I think that if this is the case, there may be real hope for the unfinished building.

The problem of lack of eggplant resistance in the unfinished building is still hopeful, and the first department is willing to see the shot, and many people want to help solve the problem of the unfinished building.

As the main body responsible for ensuring the delivery of the building, the real estate training and distribution enterprise actively disposes of assets, raises funds from various parties, and strives to complete the task of ensuring the delivery of the building. In order to prevent the risk of real estate enterprises, the local government has effectively assumed the territorial responsibility of "ensuring the delivery of buildings and stabilizing people's livelihood", and helped enterprises to do a good job in ensuring the delivery of buildings.

Multiple departments to promote the "delivery of the building"! How to solve the problem of unfinished buildings?

1.According to the different ways of buying a house, it can be divided into two situations: mortgage loan purchase and installment purchase purchase. There are different ways to buy a home.

Therefore, it is recommended that all buyers consult professional legal advice in time to find out their rights. In short, it is better to have property rights in hand than nothing at all. In fact, the power of one person is very small, and it is recommended that everyone unite with other owners to obtain maximum legal support.

The relationship between the buyer and the developer will change from buying and selling to a creditor-debtor relationship. If a developer is eventually declared bankrupt, its assets will be auctioned off by the court, and under the bankruptcy law, it is easier for consumers to receive compensation from the developer than ordinary creditors.

2.If the developer's delivery is seriously overdue and the conditions for termination of the contract are met, the buyer may request the termination of the purchase contract signed with the developer on the grounds that the developer has delivered the house, require the developer to refund the purchase price, and bear the liability for breach of contract as agreed in the contract. The developer's delivery of the house is usually accompanied by a shortage of funds.

Some developers are even insolvent, and the properties developed by the developers are generally mortgaged by banks. That is to say, even if the buyer terminates the contract, the developer is likely to be unable to return the purchase price, and the bank, as the mortgagee, can claim the ** property and receive priority compensation, but the buyer's rights cannot be protected. Therefore, it is recommended that buyers do not easily terminate the purchase contract and wait for the developer to hand over the house.

3.The policy on unfinished buildings is mainly undertaken by the developer, but the state has the right to repossess the land. If the developer is short of funds, it will help the company bring in a receiver or partner.

If the developer is unable to continue construction due to illegal construction, he will be penalized and rectified within the specified date. After the penalty rectification, the project can continue to be constructed. **If the developer is bankrupt or unable to continue construction after making best efforts, the project will be recovered in accordance with the law and tendered to find a receiver, or the developer will find a receiver by itself.

The competent department intervenes in the developer's investigation and sorts out the progress of the project and the use of funds, including the unpaid funds and the assets under the name of the existing enterprise, and formulates the amount of funds required to ensure the delivery of the building.

Multiple departments to promote the "delivery of the building"! I think the problem of unfinished buildings can be sold at a low price, which can solve a little economic problem for the developer.

Multiple departments should work with the courts to find the runaway real estate dealers and complete the house by enforcing the company's personal property.

In accordance with the current laws and regulations of the country, the buyer can apply to the people's court for compulsory enforcement through litigation and request the developer to compensate for the loss!

As soon as he said it, why should you take it seriously, buy a house and buy an existing house, or buy a second-hand house, save words.

The special loan policy for guaranteed delivery of real estate refers to a form of loan provided by some localities** or financial institutions for home buyers, with a relatively low interest rate and a longer period of time, and no need to provide a down payment on a mortgage. However, there are also some problems with the special loan policy for guaranteed delivery of buildings, which are as follows:

1.Limited scope of application of the policy: The special loan policy for guaranteed delivery of buildings is usually only applicable to specific cities or regions, and is limited to the purchase of specific types of housing such as public rental housing or affordable housing, and is not applicable to other types of housing.

2.Insufficient loan amount: Due to the limited loan amount of the special loan policy for guaranteed delivery of real estate, it may not be possible for home buyers to meet their needs for home purchase funds.

3.Inflexible repayment method: The special loan policy for guaranteed delivery of real estate usually adopts the equal principal and interest repayment method, which may not be able to bear the fixed monthly repayment amount for some home buyers, resulting in greater repayment pressure.

4.Loan review is stricter: the application for special loans for guaranteed delivery of buildings needs to pass the review of ** or financial institutions, and the review process is relatively cumbersome, and the applicant needs to provide a series of materials and proofs, and the probability of passing the review is small.

5.There is a problem of hold-up: Due to the relatively long approval process of the special loan policy for guaranteed delivery of real estate, applicants need to wait for a while to get a loan, resulting in some home buyers may miss the best time for real estate transactions.

Therefore, when choosing a home loan, you need to consider various factors comprehensively and make a reasonable choice according to your actual situation.

1 There is a problem.

2 Although the special deferred loan policy for guaranteed delivery of buildings is a good policy to help college students solve the housing problem, there are also some problems.

First of all, the policy is only for students whose families are in financial difficulty, and for some students from middle-income families, they may also face housing problems but cannot access the support of the policy.

Secondly, the loan interest rate of the policy is high, and there is still a certain amount of financial pressure for some students whose families are in financial difficulty.

Finally, the application process for this policy is cumbersome, requiring a large number of supporting materials, and there is a certain threshold, which may prevent some students in need of assistance from enjoying the benefits of the policy.

3 In the process of completing the Mingshan policy, the actual situation of all types of students should be taken into account, the loan interest rate should be reduced, and the application process should be simplified, so that more students in need of help can receive support.

1 There is a problem.

2 The special loan policy for guaranteed delivery of buildings has been implemented for a short period of time, only 5 years, and is only for students, not including graduates or people who have already worked.

In addition, the policy has a high interest rate and requires the provision of guarantees and collateral materials, which increases the financial burden on students.

3 In addition, the application conditions for the special loan policy for guaranteed delivery of real estate are also relatively strict, and it is necessary to meet certain family income and housing conditions requirements, and it is difficult for some students with difficult family conditions to enjoy the preferential treatment of the policy.

Therefore, there are some problems and deficiencies in the actual operation of the policy, which need to be continuously improved and optimized.