30 whole 30 whole 30 whole 30 whole whole 30 whole whole 30 whole building "At the time of the sky, Zhengzhou City, Henan Province announced on Friday (October 7) that the special operation of the "Insurance Building" has achieved important stages of results.
The Zhengzhou Municipal Government announced that of the 147 sales real estate that has been found in the city, there are 145 resumption of work.The bankruptcy liquidation is expected to be resumed by the end of November.
The Zhengzhou Municipal Government emphasized in the announcement that the resumption of projects to achieve resumption of work is "comprehensive" and "substantial".Moreover, under the comprehensive effect of various measures, Zhengzhou commercial housing transactions have changed positive changes in August and September, creating good market conditions for promoting the "insurance delivery".
The roots of "bad tail buildings" and "stop loan tide"
In July this year, China's national "stop work and stop loan tide" was all around.Some real estate developers have broken funds, and real estate projects have stopped working, causing owners who have purchased these housing to fall into the desperate situation of "rotten tail".In desperation, they announced that they stopped paying the mortgage house to the bank until the project was completely resumed.
Among them, Henan and provincial capital Zhengzhou City is a high incidence area for "stop loan".
So why did such a large area of rotten tail and "stop loan"?There are many analysts pointing the spearhead to the pre -sale system of commercial housing in China and the lack of supervision.
In the real estate reform in 1998, China borrowed the form of leverage for developers of Hong Kong selling flowers (pre -sale houses), that is, builders first loans to banks to buy land and quickly invest in construction.Before the house was built, real estate developers were allowed to sell their houses in advance.The money received by the real estate business from the buyer is the pre -collection.
The pre -collection of money was originally used to continue to invest in project construction, but after many Chinese real estate developers got money, they did not invest all the funds into the house., A new case.When the real estate is good and the housing market is healthy, the land and housing are rising. Real estate developers can turn the funds and continue to complete the project.However, at the time of the cold winter in the Chinese real estate market, the funding chain of the real estate company that has expanded its expansion is broken, resulting in the suspension of the project and the rotten house.
Among them, it not only involves real estate companies that illegally misappropriated the pre -collection, but also government departments and banks with supervision responsibility for pre -sale funds.
The pre -sale deposit of Zhengzhou real estate enterprises was called
According to Caixin.com, the economic investigation system in Zhengzhou City's "insurance delivery building" was mainly traced.The misappropriation of funds.Zhengzhou real estate companies revealed that the government focused on investigating the past project progress and capital entry and exit entrances of the government's key investigation.
According to reports, Zhengzhou City's misappropriation of pre -sale funds must be recovered in time. If real estate companies are responsible for the embezzlement of funds, the loss of losses and joints.If there are faults, we must also bear the corresponding responsibilities.
However, the messy stalls formed under long -term regulatory vulnerabilities can be made up for a while.Real estate companies believe that the Zhengzhou Municipal Government is very difficult to investigate.In addition, the Economic Investigation Department did not catch people on a large scale, showing that Zhengzhou did not start a comprehensive punishment for the real estate of the problem. The use of economic investigation methods may be to put pressure on the real estate.
According to Caixin.com, many people in Zhengzhou real estate companies pointed out that most of the problems in Zhengzhou were basically rotten after the cap.Due to the time node of the withdrawal of the pre -sale supervision funds, it is determined by the project progress. The main structure is capped, and the developer can extract the pre -sale supervision funds to a large extent.Therefore, almost all the funds in the pre -sale supervision account of Zhengzhou's stoppage real estate have been called.
For the results of the investigation of pre -sale funds, Zhengzhou announced that the public security system was obtained from investigating and obtaining evidence for illegal fundraising and misappropriating funds, which promoted the recovery of funds of 8506 billion yuan (RMB, the same below, S $ 1.708 billion).
In order to prevent the re -application of housing companies, the rescue funds are misappropriated to other projects. Zhengzhou set up a supervision account for each parking real estate, and all bailout funds have entered this account and received strict supervision.
The combination of combined fists of "Insurance Communications"
recovering the pre -sale funds is one of the measures for Zhengzhou's "insurance delivery building".In order to return funds, Zhengzhou also used the financial system and housing security system.
According to the notice of the Zhengzhou Municipal Government, the financial system approval and review bank funding, and strive for the credit credit limit for the Central Plains Bank's "Insurance and Communications" of 5.01 billion yuan.The housing security system applies for national loans and receives the first batch of 7 billion yuan of special borrowing funds.Zhengzhou also urged enterprises to lose weight and rescue themselves. The city's real estate development enterprises were 12.5 billion yuan through slimming funds.
Most of the problems in Zhengzhou's major real estate have been capped, and it takes at least 1.5 years from the ceiling to the final delivery. The engineering construction that needs to be completed also includes exterior walls, waterproof, masonry, decoration, and gardens and other public construction facilities.wait.
So, is the Zhengzhou Municipal Government's money back to the end of the project?
Real estate enterprises revealed that Zhengzhou has arranged the funds required for the construction of the subsequent insured property of various parking real estate, but the current rescue funds are limited.gap.Taking one of the real estate Qifu City as an example, the project will also need to invest 1.6 billion yuan in construction funds in the future. It is planned to apply for a national special borrowing of 515 million yuan, but the first batch of the amount to be obtained is only 387 million yuan.
"Performance" resumption
The Zhengzhou Municipal Government emphasized in the announcement that 145 projects to realize the resumption of work are "comprehensive" and "substantial".
However, how long the public opinion lasted for the project and whether there was a "performance" resumption of work, with a doubtful attitude.After all, the current bailout funds cannot cover the gap of construction funds.When the funds are consumed, secondary work is likely to occur.
Real estate companies revealed that in Zhengzhou's out -of -the - -way real estate enterprises, there is a type of lying on the sidelines.Even if there are still a small amount of funds at hand, because of the sluggish market, these real estate companies believe that it is difficult to sell real estate even if normal construction, it is better to suspend work temporarily.In order to cope with government tasks, individual real estate even hired a small amount of workers to enter the construction site and pretended to start construction.
In the second half of 2021, the Chinese real estate market declined as a whole. Zhengzhou's new houses throughout the year only sold 160,000 units, a year -on -year decrease of more than 30%.In the first half of 2022, the transaction volume of Zhengzhou's new houses fell by nearly 50%year -on -year.In August 2022, Zhengzhou's new house market continued to undergo pressure.In the month, the city's commercial residential transaction area and the number of commercial residential transactions both declined.
Industry insiders said, stop workingEven if the real estate resumes construction, if you want to really keep the building, you still have to rely on the market.
Many Chinese netizens also dislike the slogan of "30 days".The problems of the real estate market are intricate and the monthly accumulation is not only closely related to the environment of China's economic development, but also a market that the government's high degree of intervention and regulation.The possibility is minimal in 30 days to completely solve the problem of accumulating years.
Some netizens commented: "If it is so easy to solve, you can do economic cases."
