Hu Xijin: The forced loan suspension of the owners of unfinished buildings has sounded the alarm,

Today is July 19th, and according to the latest reports, it is aimed at unfinished buildings.

question, Hu Xijin.

The alarm bell has been sounded, and according to reports, more than 100 real estate projects across the country have been suspended, although the total amount of these loans is less than bank loans.

But it will still have a big impact, so what will be the impact of the forced loan suspension?

According to reports, the owners of these unfinished buildings chose to suspend their loans because the buildings could not be built for a long time, and they had to endure the problem of high rents. But in reality, this behavior is a very risky behavior. First of all, the loan is actually andPersonal credit reportingThe peg is very tight, that is, if you do not repay the bank loan, then the personal credit will be greatly affected, which will limit your subsequent life and travelAt the same time, it is no longer possible to continue the loan, and the most serious consequence is that for those who often do not repay, there may even be court enforcement.

The action of property auction will eventually recover the property in question, so it is still very dangerous to do so.

Once there is a real estate forced loan suspension, then there will be a gathering response, many unfinished building owners will choose to force the loan suspension, and the panic caused by this forced loan suspension not only makes many people dare not buy a building, for fear that their money will eventually fall into a bottomless pit, but also will make the real estate market have a serious impact, greatly hitting the sales volume of the real estate market. Moreover, society will also cause great distrust and panic in real estate because of this incident.

At present, it is imperative to solve this problem as soon as possible and give these people a place to live!

Introduction: Now there are certain unfinished buildings in the country, and some owners have also implemented the compulsory suspension of loans, and the compulsory suspension of loans for some owners also has a certain impact, and it also has a great impact on some banks. There is still some way to go through some litigation. <>

In fact, there is nothing wrong with the owners, in the process of buying a house, some real estate projects are put on sale in advance, and now it is in the process of buying a house, and there is no house in the process of subsequent reconstruction. Therefore, some owners have paid the money before, but the house has not been obtained, and they have to continue to pay the mortgage of the house, so some owners can't accept this. behavior, so the forced suspension of the loan was carried out, and the forced suspension of the loan highlighted the turmoil about real estate.

The bubble economy represented behind real estate. Now there are two problems affecting unfinished buildings, the first problem is because of the lack of funds of developers, because developers and developers have misappropriated funds to build more real estate, which has led to the suspension of some real estate projects in the past, and the follow-up has not done corresponding work. Therefore, there is also a pre-sale of off-plan housing, because in the process of pre-sale now, to take an empty shell to set a certain consumer's money, but the house behind is not built, so an empty shell is built.

Therefore, this is also the problem that it is more difficult for some consumers to buy a house. And the same owners will also cause some vicious circles for this, so there are many needs to face this situation. ** And the real estate developer to carry out a certain negotiation, some unfinished buildings will be officially started, and some houses will be returned to the owners, in order to officially change the situation to a better form.

If the loan is forced to be suspended, it may cause pressure on the economy of some places, and the economic downturn may cause the local backwardness, but at the same time, it can bring some benefits to the owners, such as relieving their financial pressure, relieving the phenomenon of anxiety, they no longer have to worry about the unfinished house, and they have to continue to repay the loan, which can reduce a lot of pressure.

If the loan is forcibly suspended, without the consent of the bank and without the support of the court's judgment, the rash suspension of the loan will have an impact on the credit of the buyer, and the buyer who has stopped the loan will become the defaulting party and may be sued to the court.

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.

We need to further rethink the use of funds in escrow accounts, we need to understand why the funds in these escrow accounts can be used at will, and we need to understand why banks can put these funds in developers.

For those properties under construction, because the property itself has a certain amount of reserve funds, the personal housing loan applied for by the owner will also be transferred to the bank's supervision account. If the relevant operations can be carried out according to the normal process, almost no real estate can become a so-called unfinished building. After a series of unfinished buildings in many cities, many developers actually have the problem of misappropriating funds from regulatory accounts, so this problem needs our attention.

Hu Xijin commented on the problem of unfinished buildings.

After many owners of unfinished buildings applied for collective loan suspension, Hu Xijin commented on the problem of unfinished buildings and said that these things need to be further confirmed by the bank, and the bank also needs to correctly handle the problem of funds in the user's supervision account. For the majority of homeowners, if we can't even meet the basic housing problems of homeowners, it seems that there is no need for homeowners to continue to repay their mortgages. <>

We need to rethink the use of funds in escrow accounts.

The reason for this is mainly because the funds in the real estate supervision account in many places have been misappropriated without authorization, and even some developers will take the initiative to defraud the so-called supervision account funds through various behaviors. After this kind of behavior occurs, the real estate developer will make the act of demolishing the east wall and making up the west wall, which will directly lead to the completion of various real estate projects of the real estate developer. If this problem can be solved, the number of unfinished buildings will only become smaller and smaller, and the rights and interests of owners will be effectively protected.

Finally, we also need to think about why the bank was able to allocate the funds in the escrow account to the developer, and if it was because the housing authority agreed to the developer's loan request, we even need to understand why the housing authority did the same.

For unfinished buildings, the owners should actively learn legal knowledge and protect personal property rights and residential rights.

In the face of this matter, we should reflect on not having this kind of advance booking in the future, and everyone should still compare more when buying a house.

Why is this happening? How can the rights and interests of these owners be protected, whether their funds can be compensated accordingly, and whether they can be able to issue real estate for them normally. Can they be given housing?

He believes that the owner is completely helpless, and the real hope of the owner is that he hopes to sign the contract again and let the unfinished building live.

Hu Xihe said that everyone would sympathize with the owners of the Luobei Building, and the forced suspension of the loan by the owners of the Luowei Building was also a decision made out of necessity.

He commented that these people don't want to say that they don't want to repay their loans, mainly because they have no way to do so.

Recently, there have been "forced loan suspensions" for unfinished buildings in many places, so how to calm down this turmoil? Personally, I think the best way to settle down is to let the unfinished building no longer be unfinished, that is to say, the unfinished building can continue to be constructed until the delivery standard is reached, and the mortgage suspension is not the ultimate goal of the owner, the ultimate goal of the owner is to get his own house and live in his own house, rather than renting a house while paying off the mortgage that I don't know when I can pay the house, so let the unfinished building continue to build can really solve this turmoil.

In the past two years, because of the epidemic, all walks of life have been relatively sluggish, especially the real estate industry, which is the most obvious, mainly because the price of labor and materials is rising, coupled with all aspects, so that the cost of real estate has been the best, many developers feel that it is not cost-effective, so they simply let it be unfinished, this move of the developer can be called "breaking the tail to survive", but the pit is the owner who buys a house, and many owners are buying a house with the strength of a family, but the result is that living in a new house is far away, not only can not live in a new house, They have to keep repaying the mortgage, which makes these owners endure it, so there are "forced loan suspensions" in many places.

If most of the owners are forced to stop the loan, the impact on the entire economy is great, if this situation is avoided, the most straightforward way is to let the unfinished building no longer unfinished, whether the developer continues to build the house or other developers take over, let the unfinished building start construction, so that the owners can see hope, there is an accurate delivery date, so that it can be a good way to prevent the owner from stopping the loan, which is also the fastest way at present.

I also have a mortgage, especially can understand the feeling of repaying the mortgage, I am more fortunate to live in my own house, but how many people spend hundreds of thousands of dollars but can't live in their own house, every month still have to pay the loan for this invisible house, coupled with the economic downturn in the past two years, many people are unemployed because of the company's poor efficiency, there is no ability to pay the loan again, so there will be a supply interruption.

In fact, this situation has spread to 18 provinces, and this matter can not be solved in a day or two, and this needs to be introduced by relevant departments together.

Hello, the only way to solve this turmoil is to intervene and officially start the project, so that residents can move in in time. I hope that the wind will calm down as soon as possible, otherwise the losses on all sides will be too great.

The developer has to do everything possible to build and sell his building as soon as possible, so that the developer can earn back the money invested. Only when there is pressure will there be motivation, and only when there is motivation will there be results. As long as there are funds and the quality of the building is passed, it will be over.

This is the result that the general public wants.

First of all, it is necessary to solve the problem at the root, and only after the root cause of the problem can such a spread be quelled.

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.