Real estate thunderstorms unfinished buildings appear frequently! What are the disadvantages of of

Hello, first of all, the ** of the off-plan house is not guaranteed, at that time, the down payment was handed over to the developer, and the developer signed a contract, but the market situation is unpredictable, and the house price will also fall or rise. The quality of the off-plan house can not meet expectations, and I have already paid the money, but when the house is delivered, there is a problem with the house, which is a troublesome thing at this time, but the existing house sales do not have this concern, and wait for their own acceptance before paying. There is also the surrounding environment and supporting facilities, and some construction around the off-plan house has not kept up, resulting in dissatisfaction in the later stage.

There are pros and cons to off-plan properties that need to be weighed by yourself.

It should work, but it can be very difficult to operate, and I don't know if it's possible. For consumers, one hand to pay and one hand to deliver, this is the real business. Off-plan housing gives people the feeling that they are taking the buyer's money to build a house, and in the end the house is still unfinished, and everything has to be borne by the buyer.

If you want to cancel it directly, it may be more difficult, you should take it step by step, after all, the cost of canceling the pre-sale system for developers will increase, there is too much uncertainty in the property, and if you take too much risk, you are afraid that the house will not be sold. <>

The issue of risk is not for the buyer to consider, the buyer should consider that he should get his house after paying the money, rather than paying the mortgage before the house is obtained. At present, the owners of unfinished buildings in various places have to use the method of suspending loans to protect their rights and interests, and in this way, they will hurt the enemy by one thousand and lose eight hundred, empty the pockets of several families and two generations, and have to repay the mortgage if they buy a house without living in it, and they still have to rent a house to live in. It has reached the point of helplessness to choose to use this way, and the whole family has to make enough down payment to get the result of stopping work, and no one can accept such a result, which has a very big impact on the life of the owner.

Many netizens suggested canceling the pre-sale of off-plan properties. Many experts have different views on whether to cancel the pre-sale system, and some feel that there is no way to simply cancel it across the board, after all, it is necessary to consider the long-term system. Some experts feel that the model of existing home sales can be explored.

Some experts also said that the pre-sale system may no longer be applicable, and it can be suggested that the existing house sales system can be piloted. After all, the question of whether to cancel the pre-sale still needs to be studied by the relevant departments before making a decision, because it faces a lot of problems. <

We should first solve the current problem of unfinished business, how to recover the funds to build the house well to make up for the loss of the owner. The most important thing is how to supervise the funds in the current situation of the pre-sale system, and we should further improve these systems to ensure that there will be no unfinished situation in the later stage and ensure the rights and interests of buyers.

It is possible to prevent the occurrence of unfinished buildings, if there is no off-plan sales, then there is no unfinished building, and everyone is an existing house when buying a house.

I think the cancellation of the pre-sale of off-plan housing is to prevent the emergence of unfinished buildings, it is expected that the emergence of unfinished buildings has caused the intelligence of many families to be broken, and the impact on people's lives is also very large, I also very much hope to cancel the pre-sale of houses.

It is not very effective to prevent, 1The pre-sale system of commercial housing is very important to the development of the real estate industry, and the cancellation of off-plan pre-sale will have an impact on the development of real estate in China. 2.

Canceling off-plan pre-sales may also result in higher house prices. 3.Canceling the pre-sale of off-plan housing cannot fundamentally solve the phenomenon of unfinished buildings.

Unfinished buildings across the country occur frequently, in the face of the unfinished buildings that can not move in but need to continue to pay loans, the owners have expressed strong dissatisfaction, the topic of canceling the pre-sale system of commercial housing is also rushed to the hot search list, the vast majority of people support the sale of existing houses, but in fact, the sale of existing houses does not have absolute benefits, this system also has advantages and disadvantages. <>

The advantage is definitely that all home buyers will not suffer from the pain of unfinished business and will be able to move into a new home in the first place. As the name suggests, the sale of existing houses is used for sale after the house is built, in this case, consumers can clearly see the specific situation of the house, can understand the various supporting facilities of the house in detail, and do not have to worry about whether the developer will run away with the money after buying the house, leaving a mess, every buyer can safely live in the new house, and no longer need to face the embarrassing situation that the house is unfinished and they need to continue to pay the loan. <>

The downside is that existing home sales will increase home prices to a certain extent, and existing home sales will also slow down the development progress of developers. Through the pre-sale system real estate developers can transfer a certain amount of economic pressure to consumers, after all, the housing payment paid in advance by consumers can greatly ease the economic pressure of real estate developers, and if the implementation of existing house sales, then the developer must bear all the economic pressure, repair a building is good, if the developer wants to blossom in all parts of the country, then no matter how big the company can not bear such economic pressure, so this is bound to slow down the development progress of the house to a large extent. The same is true when it comes to house prices, where the economic pressure on existing home developers is too great, and they are bound to shift these pressures to consumers, so it is clear that the price of existing homes must be higher than the pre-sale price.

Both the pre-sale system and the existing house system have their own advantages and disadvantages, but from the current point of view, our house sales are still inseparable from the pre-sale system, and we can only improve the pre-sale system, balance the relationship between real estate developers, banks and consumers, and not let all the pressure after the house is unfinished by the consumer.

The frequent appearance of unfinished buildings in many places has led to the "cancellation of the pre-sale system of commercial housing" rushing to the hot search, and the advantage of existing house sales is that you can get the house quickly, and the disadvantage is that it is relatively high.

The sale of existing houses makes it easier for customers to choose, and they can see the house more concretely according to their requirements, and no longer have to worry about the problem of unfinished houses.

The sale of existing houses is very good for buyers, to avoid unfinished buildings, so that buyers have a lifetime of savings to waste. It's not good for developers, because developers can't replenish their funds through pre-sales.

Since the second half of the year, the overall wind direction of the property market has undergone great changes. A number of real estate companies have exposed "black materials" and are on the verge of "dangerous nuclear burial risk".

Recently, more and more real estate companies have had the problem of capital turnover, and some real estate projects have been forced to stop work. Buyers who buy off-plan properties are also beginning to be anxious, once these real estate companies continue to have poor capital turnover, then these off-plan properties are at risk of becoming unfinished buildings. For these home buyers, the biggest worry now is undoubtedly whether they still need to repay the loan once the house is uncared for?

The house is an important part of the residents' life and an important embodiment of the family's assets. Once the house is unfinished, it means that the family's property has suffered a significant loss. It's good if the house can reduce the buyer's loss after the house is finished, otherwise it's really not worth paying the loan for a bunch of reinforced concrete.

Unfortunately, once the house is loaned, there is no room for maneuver. Regardless of whether the house is ultimately delivered or not, the loan is to be repaid. Because the real estate pre-sale system ultimately shares the risk between real estate companies and banks to individuals in advance.

At this time, the disadvantages of off-plan sales are reflected, and the risks of buying a house are also reflected. Large real estate companies are not absolutely reliable. In the context of property market regulation, real estate companies that rely on a stable capital chain to operate, especially large real estate companies that need a lot of capital to maintain stability, need to bear greater risks.

A wrong step in development may have a greater impact on subsequent development.

As long as the house is sold, then there is no room for maneuver between the buyer and the bank. If you want to reduce losses, you can only look at the attitude of developers and merchants. But having said that, the ultimate goal of property market regulation is not to "kill" real estate companies, but to invigorate the real estate industry and develop sustainably.

Therefore, the problems exposed by many real estate companies are not necessarily bad. If you explain the problem early, there is still room for maneuver, and there is hope for being saved.

If the pre-sale house is unfinished, it should protect its rights and interests as much as possible through legal means, and can negotiate with the state guess developer, or can also file a lawsuit with the court, and strive to let the developer continue to perform the obligations of the purchase contract, such as a delay in delivery, but can raise funds to complete the follow-up project, etc., otherwise you can only unite with other owners to jointly defend their rights.

If the pre-sale house has been unfinished, then do not cut off the monthly payment, this is because if the house is unfinished, can not be delivered on time, this is the contractual relationship between the developer and the buyer, and the loan is the loan relationship between the buyer and the bank, even if the house can not be delivered, but the loan has been issued to the buyer, so the buyer is also obliged to repay on time, if the supply is interrupted, then it may cause the bank to sue or recover, and the circumstances will be on the bank's blacklist. This has a certain impact on credit reporting, and it is relatively difficult to borrow from the bank later. Jiwu real estate encyclopedia, more must know to buy a house.

The owners of unfinished buildings in various regions have initiated forced loan suspension incidents, which involve a wide range of unfinished buildings, which has affected people's daily lives, and is related to the misappropriation of funds by developers. The loan suspension incident also reflects that there is a big problem in the pre-sale system, whether the pre-sale system should be abolished is a question worth pondering, and the call for changing the pre-sale system has risen again, giving everyone a warning. The first to implement the pre-sale system was in Hong Kong, which was also called selling off-the-plan properties at that time, and with the introduction of corresponding policies in 1994, the pre-sale system was adopted by the mainland.

In just 20 years, the pre-sale system has led to rapid growth in the domestic economy, and at the same time, the real estate industry has also developed vigorously.

China faced the problem of housing shortage 20 years ago, and the pre-sale system accelerated the land turnover and capital turnover to a certain extent, allowing developers to expand their funds and promote the production of commercial housing. Experts believe that the pre-sale system is very different from unfinished buildings, and it is not possible to list the pre-sale system as the culprit just because the house has become an unfinished building. Many people said that the abolition of the pre-sale system would put a lot of pressure on the country, and it would bring more trouble to other projects that could be delivered on time, so it was unlikely that the change would be achieved in a short period of time.

Nowadays, real estate funds are in a tight state, and if the pre-sale system is hastily canceled, many enterprises will be under great pressure, and other projects will not be able to progress smoothly. If we look at it from a long-term perspective, we can gradually cancel the pre-sale system of commercial housing. As for the problems related to the pre-sale system, there was a cover land before this, and it did not appear after the owners of unfinished buildings stopped their loans, but now they have become a topic of social discussion.

If you want to solve the problem of unfinished real estate, you need to take corresponding measures, you need to strengthen the supervision of off-plan sales, and you need to let the bank set up a third-party custodian to supervise the developer. Hong Kong has had a similar operation case before, before the formal delivery of the house, the owner does not need to make monthly payments, to a certain extent, to ensure the rights of the owner, reduce the occurrence of becoming the owner of unfinished buildings.

It is possible to strengthen the construction of the building, and to increase investment, but also to increase investment, through cooperation with other enterprises to invest, so as to alleviate the problem.

At present, it seems that it is not realistic to directly cancel the pre-sale system, and it may be more appropriate to gradually abolish the realization of the realization of the sale of houses.

I think that the existence of unfinished real estate may be problematic in itself, such as the quality of Chong Juguo's own Honghuai itself is passable, and the management of all aspects is also in place, I believe there will be no such situation.

The house becomes an unfinished building, and the buyer should deal with it according to the actual situation. If the unfinished part of the house does not affect the house purchased by the buyer, the buyer can request the developer to deliver the house and apply for the real estate certificate according to the time limit agreed in the contract; If the house becomes unfinished and affects the house purchased by the buyer, the buyer can communicate with the developer to determine whether the developer will continue to perform Cong Sen, and if the developer promises to continue to perform, the buyer can give a certain grace period to allow the developer to raise funds to continue to complete the construction of the house.

In the event of a failed real estate project, buyers should not be impulsive and return the house to the developer.

At this time, the developer has no funds in his hands, and even if he checks out, the buyer can only get a receipt or IOU, but cannot get the purchase price. If the developer becomes insolvent and goes into liquidation, its assets will be auctioned off by the court. According to the Bankruptcy Law, it is easier for home buyers to receive compensation from developers than ordinary creditors.

If you choose to move out, then the consumer becomes the developer's creditor, and the order of compensation comes after the buyer.

1. If the house is unfinished, do I still need to repay the mortgage?

From the perspective of legal relations, it is necessary to continue to repay the loan at this time. The debt relationship between the buyer and the bank does not change depending on the state of the house.

The buyer and the developer are in a buying and selling relationship, and the buyer and the bank are in a lending relationship. Although the mortgage loan is premised on the purchase contract, the two contracts are independent.

The buyer can hold the developer accountable, but after applying for the loan, the bank has the right to require the borrower to repay the loan on time, which has no direct relationship with the developer. If the buyer refuses to repay the loan, the buyer will be liable for breach of contract with the bank.

However, if the buyer encounters such an event, he can first negotiate and negotiate with the bank and insurance company, and the lending bank will come forward to communicate with the developer, and if the unfinished situation is long-term, he can also apply to the bank for the suspension of the mortgage contract.