What will be the impact of the announcement of forced loan suspension by the owners of unfinished

The first is to have an impact on personal credit reporting, that is, there will be restrictions on personal credit reporting, such as travel restrictions; The second is that it has an impact on those who want to buy a house in the later stage, and the second time to buy a house will also take into account the situation of the previous loan.

It will lead to the owner being sued by the bank, the owner's credit report is stained, the problem of unfinished buildings cannot be solved smoothly, the owner's money cannot be returned smoothly, and the relationship between the developer and the owner deteriorates.

The risk of forced loan suspension, first of all, for home buyers, after the forced loan suspension, they are faced with the risk of loan default, and the home buyer not only signed a house sale contract with the developer, but also signed a mortgage loan contract with the bank. Although the house I bought is not finished and not delivered on time, this responsibility is not the bank, it is the responsibility of the developer.

The money has been diverted by the developer for other purposes, so the house will become unfinished.

If you want to know why a house is unfinished, you first need to understand the construction process of a house, and also need to understand the process of using the funds of the house. Because the construction fund of the house itself has certain processes and regulations, and at the same time has certain regulatory requirements. If this regulatory requirement is not properly implemented, many properties may indeed become unfinished.

Many owners have stopped their loans in groups.

Because the owners have not been able to receive their houses for a long time, after their own real estate has become unfinished buildings, the owners have expressed their unwillingness to continue to repay the housing loans, so there is a phenomenon of old owners in groups. After this situation occurs, because the owner's suspension of loans will affect the bank's income problem, and may even lead to a large area of bad debts in the bank, so this situation has attracted the attention of many parties. <>

The money from the unfinished building has been diverted by the developer for other purposes.

You can try to understand it this way: when a real estate is under construction, every fund of the real estate will be transferred into the supervision account set up by the bank, and the bank will also transfer out the corresponding funds in batches according to the construction progress of the relevant real estate. In the case of not reaching the relevant progress, because the bank directly transferred the funds from the supervision account to the developer's personal account, which directly led to the developer using the funds in the personal account for other projects, so many real estate projects have no way to be built normally, which is why many real estate projects will become unfinished buildings.

Finally, I think that unfinished buildings are not only related to the developer's useful responsibility, but also related to the bank's illegal use of funds in the custody account. For the majority of owners, the owners are complete victims, which is why many owners apply for forced loan suspension, after all, the rights and interests of the owners have been seriously damaged.

After all, the impact of the epidemic on the economic development and profits of real estate developers will be seriously affected, so it will lead to the emergence of unfinished buildings, and these money may also be used by real estate developers to repay bank loans, and depositors are now using various means to protect their legitimate rights and interests.

The money was misappropriated by the developer and then invested elsewhere, and after the capital chain was broken, there was no money for the property to continue construction.

The money has been taken away by the developer, and the developer does not do anything after receiving the money, so these houses have become unfinished houses.

The owners of unfinished buildings in many regions have announced the compulsory suspension of loans, and there is no way to solve the problem of unfinished buildings. You must know that the so-called unfinished building is mainly because the development and acquisition of the business in the process of construction, there is a problem of insufficient funds, resulting in the house cannot be delivered on schedule. As for the owners when they borrow from the bank, there is no substantive reason for the loan relationship signed between the individual and the bank.

Although it is said that the bank will lend to the developer in advance, the owners have to consider that they need to repay the loan to the bank in advance when the house is not in their hands. It is precisely because of such a thing that the owners feel particularly unfair that they choose to stop repaying the loan from the bank. <>

But across the country, many homeowners have started to stop repaying loans to banks, which is not good for individuals. After all, when considering personal credit records, if there are some bad records, if there are thoughts of going abroad or children going to school in the future, they will ask to check their personal credit records. Therefore, it is not that the bank has no way to deal with the owners, but only because there are more such things fermenting all over the country, so when the situation becomes more and more serious, the bank will definitely sue the owners.

The owners are required to repay the loan, and in the face of unfinished buildings, they can only be taken over by the local **. <>

There will be unfinished buildings in all regions of the country, and owners can only admit that they have bought unfinished buildings, because many owners will also have greed when buying off-plan houses. Because thinking that the price of off-plan housing will be more favorable, it will attract many homeowners to choose off-plan housing, but when buying off-plan housing, the risk in off-plan housing is often greater than that of existing housing. Because the existing houses have been able to achieve the purpose of delivery, they can be purchased and renovated immediately, but the off-plan houses need to wait for 2 to 3 years before they can be delivered.

After buying an unfinished building, the owners should not consider directly suspending the loan to the bank, but should consider taking up the legal requirements to protect the legitimate rights and interests of individuals. Since the developer can't hand over the house, he will directly sue the developer to the court, as long as the owners work together to sue the developer, they will definitely get a high degree of attention from the local **.

If it cannot be completely resolved, legal means should be used to protect one's personal rights and interests.

There is a great risk for the owner to stop the loan without authorization, which will cause a lot of adverse effects on himself, and cannot effectively solve the problem of unfinished buildings. In many places, the owners of unfinished buildings have jointly issued announcements that they will be forced to suspend loans, and the risks arising from the suspension of loans should be borne by the owners, developers and banks. Landlords stop repaying loans, which will only make the developer's funds even more scarce, and the project will not be able to proceed smoothly, which will lead to a vicious circle of unfinished buildings.

When the owner went to the bank to apply for loan suspension, he did not get an effective reply, and was told by the bank that the loan could not be stopped, and the owner would be a defaulting party if the loan was forcibly suspended. If the property becomes unfinished, it should be resolved through negotiation with the developer, or after the delivery of the property is delayed, go to the court to file a civil lawsuit to apply for compensation from the developer. However, it is not advisable to stop repaying the bank loan, because if the bank does not agree, it is a default to stop repaying the bank loan without authorization, which will have a negative impact on your personal credit.

The bank will recover the loan after the owner stops repaying the loan without authorization, and if the owner fails to repay the loan on time, it will sue the owner to the court, which is the passive side of the owner. Because it is a breach of contract, the court will order the owner to repay the loan on time, and if it fails to repay, the collateral will be confiscated or enforced by the court. Although the owners deserve sympathy for the purchase of unfinished buildings, and they are particularly stressed, the collective forced suspension of loans is not beneficial to him and Mengqiming, nor can it solve the problem of unfinished buildings.

After the purchase of the property has a problem and becomes an unfinished building, it is necessary to understand the reason why he has become an unfinished building, and after the house exceeds the delivery deadline, he will go to the court to sue the developer in accordance with the relevant terms of the breach of contract for late delivery. Although doing so will also expose you to certain risks and economic losses, this treatment method is the one that has the least loss and the most beneficial treatment for yourself.

Perhaps, as long as you pay attention to this problem and intervene, you can bring new hope to the owners.

Some problems can be solved, but the fundamental problems cannot be solved, and the symptoms cannot be cured.

This kind of behavior will not solve this kind of problem, but will make the problem worse, and it is still necessary to take the right approach.

The money is spent, and the mortgage loan must be repaid on time every month, but the house is gone, and the delivery of the house has become far away, and there are many owners from the beginning of the expectation to the final despair, and there are many owners of unfinished buildings who have announced that they will be forced to suspend the loan, and the reason why these owners do this is also a last resort, in fact, this way of forcing the loan to stop the loan is also to hurt the enemy and lose 800. It will even lead to problems with personal credit, and these owners have no way to do it, hoping that in this way, they will intervene as soon as possible and let the developer resume work immediately.

I think that the forced suspension of loans can not solve the problem of unfinished buildings, but it can put pressure on banks and developers to amenorrhea, many off-plan houses, the ultimate victims are still those owners, real estate developers and banks make the most money, but take the least risk, this is extremely unfair, now it is very difficult to buy a house, many young people have emptied the 6 wallets in the house, and the whole family has made up enough down payment to buy a house, but I didn't expect that what I was waiting for in the end was the unfinished real estate.

Many owners have defended their rights many times, and even many people have petitioned, and some young people hide from their families, and dare not tell their houses that they have been unfinished, which is the owner on the one hand still needs to pay the rent, on the other hand, he also needs to pay the monthly payment, and the house is far away, so these owners rose up, through the forced suspension of loans, I want to let the first business understand, these owners are not easy to bully, I hope that the first can intervene in time, and urge the developer to resume work as soon as possible. These owners are not deliberately defaulting on their mortgages, but hope that these developers can deliver their homes as soon as possible.

The reason why these real estate projects are unfinished is that the bank has illegal lending, the use of returns, and the funds in the supervision account, and even the bank does not put the money into the first supervision account according to the regulations, which leads to the fact that once the real estate is unfinished, there is no regulatory funds to deal with these problems, so in this process, the bank also has some violations and should bear the corresponding responsibility for the rotten.

Forced loan suspension will certainly not solve the problem, because this behavior will not only affect the use of bank funds, but also will affect the owner's personal credit, and will also lead to the owner's house being forcibly auctioned.

For those properties that have become unfinished, we need to build them as normally as possible if we can take effective measures, and at the same time we need to help the owners recover the misappropriated funds. For banks, the banks themselves need to approve the developer according to the progress of the project, and if the bank does not comply with the relevant regulations, it will also need to be responsible for its own actions in the future. For the majority of owners, it is understandable that owners want to get a property, but owners also need to reasonably control their own rights protection.

Many property owners have issued announcements of mandatory loan suspensions.

After the real estate in many places became unfinished buildings, the owners in many places could not bear it, and jointly issued an announcement on the forced suspension of loans. After that, if the bank and the developer are unable to build the property normally, all the owners will collectively stop repaying the personal housing loans, and the owners want to put pressure on the banks in this way, and the banks will also need to properly fulfill their lending responsibilities. <>

Forcing a moratorium will not solve the problem.

The reason for this is mainly because the people who are most harmed by the forced suspension of loans are still the majority of owners, and for the owners, if the owners cannot repay the personal housing loan, the behavior of the owners itself is already a breach of the loan contract. If the owner defaults for too long, the owner's house may even be auctioned off by the bank, which also means that the owner will not only not be able to get his house, but the owner's previous purchase price will also be directly lost. <>

From my personal point of view, owners can indeed find ways to actively protect their legitimate rights and interests, but the ways to protect their legitimate rights and interests are limited, and owners need to communicate with banks and developers as much as possible, try to protect their rights in a reasonable way, and never use this way of hurting each other.

The forced suspension of loans can only solve the problem temporarily, but cannot solve the problem fundamentally, so I still hope that the relevant departments will introduce a method that can really solve the problem.

I don't think that the owners of unfinished buildings in many regions have announced that they have forcibly stopped lending to banks, and I don't think such things can be said to be the fault of the owners or the banks. It is mainly because of the developer, if it is not for the developer to have an unfinished building, then the owner will definitely repay the loan to the bank on time, but it is precisely because the owners can not get the house they bought. Not only do they not have a house to live in, but some owners also have to consider renting a house in the place where they live, facing a mortgage of up to tens of thousands of yuan per month, which makes it difficult for the owners to insist, so they have to choose to stop repaying the loan from the bank.

For the ** in each region is one after another, the situation of unfinished buildings in each region is very serious. However, some owners have stopped repaying loans to banks after receiving unified support from the majority of owners. Such a phenomenon is not an isolated case in one place, but a large number of cases throughout the country.

However, if we think about the banks from the bank's side, it is actually more difficult for the bank to lend to developers in each region every year. Banks also need to complete the task, if the bank's capital account is relatively sufficient, it will keep lending to developers. <>

When the developer sells the house to the owner, the owner is required to sign a loan relationship with the bank before the house is built. The bank does not know the total number of floors built in the house, and only considers whether it can lend to the owner according to the owner's financial ability. Once the bank lends money to the owner in advance, the owner needs to repay the loan to the bank in advance when he has not yet got the house, and the bank has already paid the loan amount of the house directly to the developer.

Banks also have regulatory responsibilities, and when banks lend to developers, they should first understand the extent to which the developer's construction has been completed. In the requirement to give loans to developers, so as to reduce the situation of unfinished buildings for developers, the first in various regions should also play a regulatory role. A third-party company can be set up to require the developer to pay a deposit when building the house, and only after the house is completed can the deposit be returned to the developer.