Can I stop the loan when I buy an unfinished building? What s the solution?

I think that if you buy an unfinished property, you can't stop the loan, because if you stop the loan, it will have an impact on your credit information, and you will become the legendary "old man". Many people who have stopped their mortgages have no choice but to stop, their lives are already very difficult, and they really can't come up with the money to pay the mortgage. But if you want to work and live normally, you must not take the road of stopping the loan.

So what is the solution to buying an unfinished building? I think there are a few ways to try it. oneIt is possible to report the problem through formal channels with other home buyers, as long as you reflect it in place, it may attract attention; The second is to contact ** as much as possible to report your incident and arouse the attention of the whole society; The third is that if the unfinished building can be improvised, then live in it as much as possible, so that it can attract more attention from many parties.

I still advise everyone to be cautious when buying a house, even if it costs more money to buy an existing house.

It's not sensible to stop a mortgage, and the best way to do this is to join forces with other home buyers to respond to the problem, as long as the problem you report is in place, it may attract attention. In this way, as long as a new developer takes over, it is possible that your house will continue to be built. Or it is to attract the attention of relevant departments and find a way to solve it for you.

If you don't pay attention to the problem yourself, then find more ** to report your incidents, so that it is easy to get the attention of the whole society. As long as the whole society has been paying attention to your incident or situation, there will always be a day when things will be resolved. If you stop taking out the loan, you may not be able to give you an account for the rebuilding of your house one day.

If the unfinished building can be improvised, then send one person from the family to live in it as much as possible, so as to attract the attention of many parties to a greater extent. There are many cases of unfinished buildings, and there are many people who still insist on living in this kind of unfinished buildings, believing that as long as they persist in waiting, they will be able to end such a life as soon as possible and live in a new house. Remember not to stop the loan casually, but to take the formal way to protect your rights.

It is best not to stop the loan at will when buying an unfinished house, because the person who is hurt the most by the loan suspension is still the owner.

This principle is actually very simple, even if the owner's house becomes a so-called unfinished building, if the owner chooses to stop the loan suddenly, this behavior will only affect the owner's personal credit. In bad times, the bank will even directly feedback the owner's house, although these houses have not been officially completed, but the house still has a corresponding value, so the owner's loan suspension will only affect his personal life. When conditions permit, the owner needs to protect his legitimate rights and interests as correctly as possible, and never act impulsively.

Some landlords will actively stop their loans because of the problem of unfinished properties.

In fact, there are a lot of such things, for those owners who have not seen the hope of handing over the house, because their houses have become unfinished buildings, so the owners directly choose to collectively suspend the loan. After this incident, many departments, including the China Banking and Insurance Regulatory Commission, are very concerned about this matter, and many banks are also further dealing with the personal housing loans of owners and the funds in the supervision account. <>

It is best for the owner not to stop the mortgage easily.

As I said above, when the owner chooses to terminate the repayment of the personal housing loan, the owner's personal credit will be seriously affected, and this behavior will not benefit the owner himself. If the default of the landlord is very bad, the landlord may even lose his job because of this situation, so the act of suspending the loan will seriously affect the personal life of the landlord. <>

We need to defend our rights in the right way.

If the property purchased by himself becomes an unfinished building, the owner first needs to contact the developer himself, and at the same time needs to understand the actual use of his personal housing loan, or he can choose to find the Ministry of Housing and Urban-Rural Development to understand the problem of funds in the supervision account. If conditions permit, the owners can choose to unite and defend their rights through collective strength, which will be more appropriate. <>

If the house is unfinished, you can apply for a loan suspension, but whether you can agree to it or not needs to be judged by the bank. The best way to solve the problem of unfinished buildings is (1) to request the bank to immediately auction off the owner's house and settle the creditor's rights and debts between the owner and the bank. (2) Require the developer to go bankrupt and liquidate.

3) The developer is required to resume work and finish, and the owner will continue to supply after the house is closed. (4) The owner self-raised funds to finish. The Housing Management Bureau of the Construction Committee and other departments are required to provide guidance and end with self-raising funds under the premise of legality.

If the house is unfinished and the house cannot be delivered in time, and your rights and interests are damaged, you can sue the developer for a refund of the property, but your loan in the bank cannot be stopped because the house cannot be delivered, so you will ignore it, and the bank can also sue you.

Summary. Hello dear, you can't stop the loan when you buy an unfinished building. The law stipulates that the loan cannot be stopped when buying an unfinished property.

The buyer and the developer are in a buyer-seller relationship, and the buyer and the bank are in a loan relationship, and the two contracts are independent, and the debt relationship between the buyer and the bank will not change due to the change of the buyer-seller relationship with the developer.

Hello dear, you can't stop the loan when you buy an unfinished building. The law stipulates that the loan can be stopped if the unfinished building is generally not demolished. The relationship between the buyer and the developer is a buying and selling, and the relationship between the buyer and the bank is a lending relationship, and the two contracts are independent, and the debt relationship between the buyer and the bank will not be changed by the change in the relationship between the buyer and the developer.

If the agreement harms the interests of other creditors, the other creditors may request the people's court to revoke the agreement. If the mortgagee and the mortgagor fail to reach an agreement on the way to realize the mortgage right, the mortgagee may request the people's court to auction or sell the mortgaged property. The yards that are discounted or sold by the mortgaged property shall refer to the market.

13 years to buy a suite, 15 years when the house developer due to the capital chain shutdown, during this period of about 16 years I cut off a few months, after the first intervention, other developers settled in to take over the real estate, 17 years, I in the hands of the second developer successfully received the house, 18 years after the house I will talk about paying off the house, and then sold the house to now immediately 5 years, now is the virtual section in the full reputation of the shutdown, the developer wants to sue me, saying that I owe him money, the reason is that during my interruption, the bank deducted their deposit.

Dear, you can file a lawsuit in court in this case.

I want to sue him, the other party has a ** urging, because I am in the hands of another developer, the loan has been paid off, and the house has been sold, so I think it is a fraud**, I should say that I only owe money to the bank, and after the bank pays off the money, I don't owe anyone, and as a result, he said that I owe him a deposit.

If it is not the buyer's reason to handle the loan, the two parties will do the right sales contract to be terminated, and the seller will not bear the liability for breach of contract, and the seller will not bear the liability for breach of contract.

If the house is unfinished, the mortgage will continue to be repaid, because the debt relationship with the bank will not change because of the state of the house.

In the case of repayment, the relationship between the buyer, the developer, and the bank must be clarified first.

The buyer and the developer have a relationship of buying and selling, and the buyer has a relationship with the bank for borrowing.

Although we go to the bank to take out a loan on the premise of a purchase contract, the two contracts are independent.

If there is a problem in the transaction due to the developer's reasons, in fact, the buyer can hold the developer accountable, require to move out and compensate for liquidated damages; However, the buyer owes the bank money for the loan, and the bank has the right to require the borrower to repay the loan on time, which has nothing to do with the developer.

1. What should I do if I don't deliver the house on time according to the contract?

If the developer postpones the delivery of the house and still fails to perform within a reasonable period of time after being reminded, but gives a reason for the postponement of the delivery, there is no need for the buyer to terminate the purchase contract in this case. Although it is not due to force majeure or the exemption reasons agreed in the contract, it is within the scope that the buyer can bear, such as the developer's financial problems that have caused the suspension of work for a period of time and has now resumed, etc., the buyer can choose to wait and ask the developer to bear the liquidated damages. If the buyer still fails to perform within a reasonable period of time after being reminded, and does not give a reasonable reason or blindly shirks and evades, the buyer may request to terminate the contract and require the developer to bear the liability for breach of contract and compensate for its own losses.

2. How can I check out after buying a new house?

After buying a new house, the buyer can only claim to the developer to move out if the following conditions are met:

1) The developer pre-sells the house without obtaining the pre-sale permit of the commercial housing;

2) The developer did not deliver the house on time;

3) The developer has significantly changed the design and planning, housing structure, house type, space size and housing orientation;

4) Inability to apply for loans;

5) Within the time limit agreed in the contract, the property right certificate cannot be obtained;

6) The error of the house area is more than 3%;

7) The quality of the main structure of the house is unqualified and cannot be delivered, or after the house is delivered, the quality of the main structure of the house is verified to be unqualified.

8) The unqualified quality of the house leads to serious impact on the use;

9) The developer mortgages the house;

10) If the buyer's housing loan bank does not approve it, and the buyer and the developer cannot agree on the payment method, the buyer can ask to move out.

Article 24 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Cases Involving Disputes over Contracts for the Sale and Purchase of Commodity Housing provides that if the purpose of the loan contract secured by the commercial housing cannot be realized because the contract for the sale and purchase of commercial housing is confirmed to be invalid, revoked or dissolved, and the parties request to terminate the loan contract secured by the commercial housing, it shall be supported.

Summary. If you buy an unfinished building, you can't stop the loan, and the loan still needs to be paid every month.

If you buy an unfinished building, you can't stop the loan, and the loan still needs to be paid every month.

How to demolish and seep the owner of the unfinished building to save the 1, figure out the property rights: consult professionals to understand the problem of the right to the house. 2. Class Actions:

All homeowners should sue together and work together to obtain greater compensation. 3. Report**: If there is a problem of unfinished buildings, you can report to Lu carefully**, and they will make a reasonable solution.

4. Hire a lawyer: through the help of professional lawyers, ensure your rights and interests.

How to avoid buying unfinished buildings 1, choose a developer with good qualifications If you want to avoid unfinished houses, you must first look at the strength of the developer. Therefore, before buying a house, you should have an understanding of the developer and try to choose.

First- and second-tier developers, the quality of the houses built. 2. The documents of the real estate must be complete, and they must have five certificates to prove their qualifications. You can't buy an unlicensed house, although it is cheap, but the quality is not, and there is no real estate certificate, and the transaction is risky.

3. Pay attention to the sales of real estate, if the real estate is better, it means that the house is better, and there will generally be no unfinished building in this case. Therefore, when buying a house, you can also look at the situation, if the house in the entire community is about to be sold out, it means that the house is ***, and you can buy it with confidence. If the house can't be sold, and the sales volume is very low, then the house will be unfinished.

4. It is best to choose a reputable developer who pays attention to the completed project, and you can also do it to see the projects they have built, if the quality of the house is trustworthy, it means that the house can be bought. You can also go to find out about the houses that have been handed over to see if there are any delayed deliveries or unfinished buildings.

I bought a suite in 13 years, 15 years of housing fund chain shutdown, during this period of 16 years right I have been interrupted for a few months, and then the first demolition of the beam intervened, 17 years after other developers to take over the spring after this real estate, I received the house in the hands of other developers, soon after receiving the house, the bank loan was paid off and the house has been sold for 5 years, and now the former shutdown travel developer said to sue me, I owe him money, is during my interruption of the bank deducted their deposit.

You get a lawyer to answer the lawsuit.

I would like to ask if his reasons for suing me are valid.

Not true. Can you explain why?

Your bank loan has been paid off, and the other party cannot sue you.

If the other party has evidence, during the period when I cut off the payment, the bank deducted the amount of the front room from the front room, and the front room opened and the later sales room opened a third-party subject change agreement, and the first agreement signed between us and the front house will be inherited by the second house.

It has little to do with you.

It's good that it doesn't have much to do with it, and now the house is not mine, and the former owner wants money when the front house is opened.

It's none of your business, don't worry.