What are the ways to properly solve the forced collective loan suspension caused by unfinished build

Because of the unfinished buildings, the owners are forced to stop the loan collectively, in fact, there are some ways to deal with the unfinished buildings, which can properly solve the problems of the owners. Most owners will think that the house can be delivered on time after buying a house, but due to the developer in the process of building the house, some local banks will have illegal loans. Even when some owners sign contracts in the bank, the bank staff will sign them on behalf of the bank to carry out illegal operation loans.

As a result, after the house is not built, the bank begins to lend to the developer. <>

As a bank, it also has a regulatory responsibility, and when granting mortgage loans to developers, it needs to consider whether the developer's house has completed construction. If the main body of the house has not been completed, the bank cannot issue loans to the owners in advance. Local governments should also strongly require developers to wait for the house to obtain a pre-sale permit before it can be sold to the outside world, and the deposit of the house cannot be collected in any form before that.

For some owners to buy unfinished buildings, it will be easy to cause personal economic losses, and there are many people who buy houses in order to let their children have a place to go to school with peace of mind. However, if the house is unfinished, there is no way to help it for several years or decades, which leads to such people having to choose to rent a house outside. The pressure of high mortgages every month makes some people say that it is unbearable.

Even though you have already bought a house, you still need to bear the cost of renting a house separately, which will cause psychological imbalance for some people. <>

For local **, when requiring developers to build houses, they must play a regulatory role, and they can separately require developers to pay a deposit for the house. After the house is built, the deposit can be returned to the developer, but if the developer has a bad building. The deposit paid by the developer should be used to build the house, so that the losses of the owners can be reduced.

If the owner does not want to repay the unfinished building, he needs to negotiate with the developer to terminate the relationship of the sales contract, and require the other party to return the house payment, so that the loan contract with the bank can be terminated, and the repayment can be stopped.

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 buyer's forced suspension of loans cannot directly solve the problem of unfinished buildings, but it will help to cause the bank to further strengthen the supervision of the purchase money and the special fund system, so as to reduce the probability of the project being unfinished due to the misappropriation of the purchase money.

In the absence of a termination of the secured loan contract in accordance with the law, if the bank has not violated the regulatory provisions, and the buyer clearly states that it will not repay the loan by way of a statement, that is, it clearly states in the form of a statement that it will not perform its repayment obligation or really does not repay the loan, it is a breach of contract.

If you are not aware of the legal consequences of the "buyer's loan suspension statement", it may lead to more and more similar imitation statements, but whether the loan is really suspended depends on the development progress of the project and the buyer's expectation and economic ability of the value of the commercial housing.

In short, the phenomenon of "collective loan suspension" statements in many places reflects the buyer's deep concern about whether the developer can fulfill the obligation to deliver the property in accordance with the law, in accordance with the contract and on time. If there is a widespread phenomenon in the market that the house cannot be delivered in accordance with the law, according to the contract, and on time, or even a large-scale unfinished house, it may endanger the national economy and people's livelihood.

What will be the consequences of the collective suspension of loans by the owners of unfinished buildings.

After the purchased commercial housing is unfinished, if the buyers collectively suspend the loan, it will constitute a debt default, and the buyers will bear the following consequences:

1) Credit investigation will be affected.

Whether you choose to abandon the house or choose to forcibly suspend the mortgage, the most direct impact will be to discredit the personal credit report. After obtaining a mortgage, only by repaying the loan on time can you ensure that your personal credit is good, if there are multiple overdue records, then the credit can be bad, and eventually all financial institutions will not provide you with loans, and even take high-speed rail and planes will be greatly restricted.

2) Facing lawsuits.

In order to reduce the risk of bad debts, for the house slaves who are overdue to repay the loan, the bank will first carry out normal collection work, if after many collections, the house slaves still refuse to repay the loan, then the bank will carry out a lawsuit, and then the house slaves will have to fight a lawsuit with the bank, but in this case, most of the house slaves will end in failure.

3) Freezing of personal assets.

After the failure of the lawsuit, the house slave will become a dishonest person subject to execution, in this case, the personal assets will be frozen by the court, and only when the whole thing is over, will it return to normal. Even in the end, your personal assets will be used to offset bank loans.

4) The end of the unfinished can't get rid of it.

The house slaves chose to forcibly suspend the loan, but also hoped that the developer could restart the construction, build the real estate, and then live in it smoothly. However, even if the developer compromises, I believe that the quality of the property will not be too good. Even if other developers take over, it may be difficult to solve the problem when the house slave encounters it, and in the end, it will be impossible to get rid of it.

5) The down payment was paid in vain.

When the house slave chooses to force the mortgage to stop, if the developer does not accept the compromise, I am afraid that the house slave will never get the house. Even so, the house slave still needs to pay off the mortgage, and his down payment will not be returned, and the final down payment will be paid in vain.

Recently, a number of loan suspension notices have been reported. The reason behind this is that many owners have purchased unfinished buildings, which is very unacceptable to ordinary families. If you think that the rights and interests of the landlord want to be resolved, let's take a look at it.

First of all, everyone should know that if the developer is unable to deliver the house on time, then the owner needs to require the developer to pay the corresponding liquidated damages in accordance with the contract signed by both parties, and then at the same time, if you are afraid that the delivery time of Zhang will seriously exceed the agreed time at the beginning, and then how can you use this situation as a reason to request the termination of the purchase contract, and also bear the corresponding liability for breach of contract. Of course, this situation is only for the situation that the house has not been delivered, if the house is delivered, the matter needs to wait for a corresponding solution. <>

If you have already moved in, you must first apply for the property right certificate of the house in the unfinished house, and then keep all the relevant evidence and file a lawsuit with the court. Because most people buy houses now, they must say that they come with a mortgage, so once the bank borrows a house that is unfinished, there will be some property ownership problems. If you can file a lawsuit with the relevant department, you can deal with this problem and deal with the problem of real estate certificates.

All in all, don't panic when you encounter such a thing as an unfinished building, you must deal with it calmly, and you must take up the law to defend your rights and interests. <

At the same time, it is necessary to unite other owners to defend their rights, and then get the support of the law, if it is said that the purchased house is only likely to be unfinished, then it will take a while longer, if the latter project is determined to be unfinished, then the developer needs to compensate for repairs. At this time, we must believe in the intervention of the relevant departments, because if there is a situation where the house is unfinished, the relevant departments will definitely help deal with it, and solve this housing difficulty from the perspective of the public. If the developer is bankrupt and cannot continue construction, the first will definitely give corresponding solutions, such as recovering the project according to law, or continuing to build ordinary houses on the original basis.

Buyers should take legal action to defend their rights, and they can send a representative to negotiate with the bank to negotiate a deferred repayment or other outcome in their favor. If the developer is indeed unable to continue the development and is unable to deliver the house, the buyer can sue the court to terminate the contract for the sale of the house.

The best way is not to sell off-plan properties, and you can avoid selling existing properties. In the case of off-plan housing, banks must strengthen supervision over the use of funds.