Will the cancellation of pre sale homes solve the problem of unfinished houses?

The main reason for the unfinished commercial housing is the current pre-sale system of commercial housing, and it is recommended to stop the pre-sale system. The pre-sale system of commercial housing in the words of the common people is that the developer sells the drawings, and the house is generally delivered after 3-5 years. If the real estate business is not managed well, it will lead to the house being unfinished and there will be a thunderstorm.

This time, there has been a collective supply interruption in the country, in fact, it is because of the pre-sale system of commercial housing, and the commodity pre-sale system should obviously come to an end, so stopping the pre-sale system can cut off the risk of our supply interruption. The pre-sale system of commercial housing was in place in 1998 when the housing reform was in short supply, and in this case there was its reasonableness, to be precise, it was introduced from Hong Kong, and the pre-sale properties were sold in Hong Kong, but today, the commercial housing is generally from the national point of view, the overall function and demand are balanced, and even some places are oversupplied, so we must comply with the times to stop the pre-sale system of commercial housing.

Theoretically, the cancellation of the pre-sale house must be able to ah, at least the main body of the house has been repaired, you can see and touch, you can not buy it, if you feel bad, you can not buy it, even if there is a problem with the interior decoration and installation of the house in the later stage, it is better than the direct unfinished, nothing is better than the mortgage, at least the house is repaired, you can see and touch, you can not buy it, if there is a problem with the interior decoration and installation of the house in the later stage, it is better than the direct unfinished, nothing, theoretically as long as the capital supervision is strengthened, Acceptance in strict accordance with the standards, there will be no problems.

The cancellation of the pre-sale system can avoid the unfinished real estate in the future - after all, it cannot be sold if it is not completed, and the unfinished property can only rot in the hands of the developer, not the owner - but it cannot bring back the unfinished buildings that have been caused by the pre-sale system, poor supervision, and the misappropriation of funds by developers and banks, and there is no guarantee that the sold real estate will not produce new unfinished buildings due to the cancellation of the pre-sale system aggravating the liquidity difficulties of developers and causing the capital flow to be broken. There is a careful trade-off between a "hard landing" at the bottom of the kettle and a few rounds of back and forth for a "soft landing".

Theoretically, the pre-sale system with strict pre-sale fund supervision and a reasonable proportion of pre-sale fund supervision to ensure that the funds that cover the corresponding real estate construction and installation expenses are not misused, which can prevent unfinished buildings, but in fact, we have also seen various developers' riotous operations, such as the payment agreed in the purchase contract is not a supervision account, and the bank is not responsible for supervision, so the owner can only find the developer to make trouble - but can you say that the bank is completely unaware?

Truth be told, the cancellation of pre-sale homes may also cause a lot of new problems while allowing consumers to avoid unfinished homes.

The difficulty of developers to raise funds has increased significantly, which will make the real estate industry's capital access threshold rise sharply, although this will eliminate many small-scale real estate enterprises with weak funds, but it will also lead to the outflow of small shares of funds, into the market or the market, but the fluctuation is good, if a large number of inflows into the market, especially the agricultural product market, it may happen that you play garlic and ginger you army (the previous times have happened in the real estate market when the transaction price is large).

In addition, the management of housing loans by banks will also undergo great changes, especially the review of construction loans for developers may be stricter, because the risk increases.

Not necessarily, the houses are all speculated in China, and the cancellation of pre-sales will only increase the financial pressure on real estate developers, which has no impact on ordinary people.

Everything is still illegal and the cost is low, which is not enough to knock and avoid the speculation of developers''

In many cases, developers are exploiting regulatory loopholes, and they do not take the relevant legal knowledge and law enforcement departments seriously to persuade and match warnings, and may even have a speculative mentality; The state and local** are not in a position to help if the real estate company engages in one or more of the following actions:

Developers are facing or have been caught up in debt disputes.

The developer's capital chain is broken, and there is no way to turn around.

The developer has illegal projects.

If the pre-sale is really canceled, there will naturally be no unfinished buildings in the future, but the existing unfinished buildings still cannot solve their fundamental problems. Secondly, once the pre-sale is canceled, the house price will inevitably increase, considering the construction and sales cycle, the development of a real estate will be greatly improved, the developer will face the risk of long-term capital investment not being reported, then the development of real estate may become less, and the price of housing will inevitably soar.

First of all, it is straightforward to solve the problem of unfinished houses. However, there is a possibility that there will be a "ghost town". It's just that the house is not unfinished, but no one buys it.

A more benign supervision and control mechanism is a reasonable way to solve this problem. And to sell the house, but also to let the house be built. Buying a house with a loan is nothing more than a tripartite:

Buyer--Bank-Developer As long as the developer's funds are reasonably monitored, the funds can be earmarked. There will be no bad ending. At present, many of the unfinished projects are that the parent body of the developer has no money, and the east wall is demolished to make up the west wall, and in the end, the west wall and the east wall are rotten.

Personally, I don't think it's hard to solve this problem. How does the housing authority work, what are the responsibilities of the banks, and what are the responsibilities of the developers. If the classification is good, there will be no more unfinished houses.

The cancellation of pre-sale housing may not be realistic, and **, banks, and developers will be unhappy;

In order to ensure the safety of people's housing payments, a third-party fund regulatory agency can be set up, and the housing payment will not be issued to the developer if the housing is not delivered.

The problem of unfinished houses may be solved, but it will also create other problems. But no matter what the problem, it is the ordinary people who will suffer in the end.

Houses are built for people to live in, and as for the relationship between developers and banks, the people can't control it, and they can't manage it.

There should be no off-plan housing for the people to live in, and many of them are extremely poor to buy a suite all their lives, and as a result, they can't live in it. Developers who don't have the strength are not qualified to buy a house. Off-plan housing, take the people's life to make fun. How can I bear it.

I don't think it's likely, it's unlikely that the problem will be solved in the short term. Even if the pre-sale housing system is cancelled, there may be no unfinished buildings in the back, and so many unfinished buildings in front of it still can't be solved!

Pre-selling homes will not fundamentally solve the problem of unfinished houses. But the goal of the people is not to solve the problem of unfinished houses, the goal of the people is that I pay the money, and you will pay the house for me. It's as simple as that. As for whether you solve the problem of unfinished houses, that's a matter for developers and banks.

Sure, the houses are only sold after they are built, how can they be unfinished? The pre-sale system played a role in the initial stage of funding, and now it is time to withdraw from the stage of history. Compatriots, wake up, don't buy pre-sale houses!

No, but some of these undesirable social phenomena can be avoided. The bank staff publicly stated that the house was not capped, and the bank lent money, and it had been fined. Very justifiable. They are violations, but they are not offensives. The law is always the bare minimum.

1. The real estate developer must pay a deposit equal to the amount of the land to the owner. 2. Strengthen third-party supervision, and enable the responsibility system for the prevention of unfinished work for relevant personnel (before the completion of the unfinished work, who approves the funds will be responsible for the end, and the resignation during construction also needs to be held responsible). 3. In the event of unfinished business, the real estate company will be liquidated, the relevant responsible persons will be investigated, the deposit and related assets will be confiscated, and the bank will be responsible for bidding to produce new real estate developers to complete the project construction.

4. The overall process of real estate projects has been completely reorganized to prevent Evergrande and other real estate time from being staged again.

It's time to abolish the pre-sale system of commercial housing, use your money to build your house, and it's still unfinished, which is unfair to home buyers. In the future, whoever has the money will build a house, and those who have no money and no strength will not build, and they cannot throw the burden to the people and society. 98 years of housing reform, the country is short of houses, developers lack of money, the pre-sale system is an expedient measure, now the national household ratio is more than 1, from the development of the stock era, the unfair pre-sale system for the people who buy houses has become outdated, it should be canceled, changed to existing house sales.

In the future, it is natural to pay the money with one hand and the house with the other. Of course, the second housing reform is a technical activity, taking into account the resolution of loan suspension, resumption of work and delivery of buildings, restructuring of real estate enterprise debts, restoring market confidence and long-term mechanism, the four keys of the long-term mechanism are to promote the strategy of urban agglomeration, people-land linkage, financial neutrality and stability, and real estate tax. This will help to implement the spirit of housing not speculation, help protect the rights and interests of the people, and help the steady development of real estate enterprises.

If we act in accordance with the laws of the economy, China will be able to achieve a soft landing and long-term stable and healthy development of real estate, cross this hurdle, and solve this world problem.

On the whole, the current loan suspension projects account for a relatively small proportion, but it is necessary to attach great importance to prevent problems before they occur and avoid risk escalation. If effective measures are introduced in a timely manner to promote the second housing reform, we can take the opportunity to push the development of the real estate market on the right track.

Most of the real estate enterprises belonging to the loan suspension projects are private real estate enterprises at risk of previous debt default, mainly distributed in Henan, Hubei, Hunan and other places.

On the whole, the properties involved are mainly properties that have been delayed for many years, as well as those that have not yet reached the delivery time, but are tight in funds and difficult to resume work, reflecting the increasingly prominent negative effects of the pre-sale system of commercial housing.

A simple science popularization: the pre-sale of commercial housing first originated in Hong Kong, China, commonly known as selling off-plan properties and off-plan houses, which is a way for developers to put leverage. In 98 years of housing reform, due to the shortage of commercial housing, real estate enterprises lack funds, learn from Hong Kong, China, the introduction of commercial housing pre-sale system.

In fact, there is a pre-sale system in many countries around the world. However, the point is that developed countries generally have strict regulatory safeguards, and developers can only start selling after the project is approved, and buyers do not pay the remaining full amount of the house from the bank with a one-time loan after paying the down payment as in China, as in China, but according to the progress of the developer's project before the full delivery of the house.

Therefore, the pre-sale system requires strict capital supervision, installment payment and default penalties as a guarantee, if there are no these safeguards, it will definitely trigger the risk and be unfair to the buyers, so it is better to take the opportunity to cancel the pre-sale system and change to existing house sales in the future. Objectively speaking, the pre-sale system has a certain historical stage, and now that China's housing has entered the stock era, the cancellation of the pre-sale system will help reduce debt and leverage, and no longer throw the risk of unfinished work to the people and society. As long as we adhere to market-oriented reforms, China will be able to resolve this problem, so that real estate can return to the real economy and residential attributes, and live and work in peace and contentment.

The unfinished real estate has been forced to suspend the loan by the owner, should the pre-sale system be cancelled?

The existence of the pre-sale system has a certain rationality. However, whether the pre-sale system of commercial housing can really play its due role, the key lies in whether the capital supervision is in place.

As the most important way of commercial housing sales in China, the pre-sale system of commercial housing greatly shortens the cash return cycle of real estate enterprises, and also increases the quality of commercial housing in the market, which promotes the process of urbanization development.

A building, from the land to the completion of the general need to take 2 years, in the pre-sale model, the construction of about 1 3 floors can be pre-sold (the cycle is about half a year), equivalent to the real estate developer in the residents of the advance payment to pay all the project expenses, one and a half years after the delivery of the house to the buyer. "In a way, this is equivalent to all home buyers subsidizing the interest on the real estate developer's advance payment for 2 years. More importantly, with these advance payments, real estate companies can leverage huge funds with a small amount of their own funds, which greatly improves the utilization rate of their own funds.

Although the advantages are obvious, because the developer collects the payment for the commercial housing before it is completed, the buyer may face problems such as the money running away from the development business district, the delay in the delivery of the house by the developer, the quality of the house, and the extension of the real estate certificate.

The essence of the pre-sale system is that the buyer pays in advance, the developer delivers the house later, and the waiting period for intermediate delivery is generally about 2 years. During this period, the buyer will not only have to bear the interest on the bank loan and the income of the down payment, but also bear the risk of late delivery or inability to deliver the house. ”

The pre-sale system has also boosted the blind expansion of developers, triggering a series of risks such as the rupture of developers' capital chains and the unfinished and idle projects.

Under the pre-sale system of commercial housing, there are many unpredictable factors and risks for buyers to pay the money first and then get the house. For example, if a developer cuts corners and builds a low-quality project, the buyer may get a substandard house. More seriously, in the real estate downturn, if the real estate developer does not manage his funds well, the development of the property may eventually become "unfinished".

Judging from the current real estate situation, it is not realistic to cancel the pre-sale system and implement the sale of existing houses in the short term, but the current "pre-sale supervision" has played a certain restraining role for developers.

Funds pre-sale supervision, refers to the real estate administrative departments in conjunction with the bank to implement third-party supervision of commercial housing pre-sale funds, real estate development enterprises must deposit the pre-sale funds into the bank's special supervision account, can only be used for the construction of the project, shall not be withdrawn and used at will.