Multi-land owners are sued by the bank: unable to pay the repayment of the mortgage

The housing market is not getting better, and the city has been releasing "restrictions" on the market, and individual owners have begun to lose confidence in the "foreclosure". 

 

Recently, the report of the 21st century economy, at the end of may and June, zhejiang hangzhou, wuxi, jiangsu, fujian ningde, jiangsu xinyi has owner bank for individual mortgage loans overdue and the prosecution case. In these cases, most of the owners said they were "unable to pay". 

 

There is no more data showing that "abandonment of the house" has become a national phenomenon. But regulators have warned. 

 

On May 12, liu shiyu, deputy governor of the central bank, presided over a symposium on housing finance services to discuss the current differential housing credit policy, media reports said. The meeting revealed that the central bank has asked Banks to give priority to housing loans in an attempt to prevent buyers from breaking up because of falling home prices. 

 

In two weeks ago, the China banking regulatory commission chairman shang fulin in the first half of the national work conference on banking regulatory and economic and financial situation analysis, also said at the meeting "parts have enterprise owner defaults, even some small enterprise capital chain tension, in three or four line city related credit risk should be paid close attention to." 

 

A stake in hangzhou office that leave room for just one of the more serious phenomenon, the owner of falling house prices after the opinion very much, some developers are under pressure will give some compensation measures, such as gift parking or return some to decorate. 

 

Owners call themselves "unable to pay" 

 

The 21st century economic reporter learned that the west lake branch of hangzhou, based in guangdong province, recently sued three owners of the same property, all of which have defaulted on their personal mortgage loans. All the houses purchased are high-grade buildings named after the "public pavilion" developed by hangzhou kunlun real estate development co., LTD. (hereinafter referred to as kunlun capital). 

 

The verdict shows that in 2010, the bank issued a $3.1 million loan to owner zhang to buy the house, which is up 10% on a 20-year loan term. The mortgage guaranty of the house is set up, and the developer kunlun is required to assume joint and several liability. 

 

After the loan was issued, zhang did not repay the principal on time as agreed on September 21, 2013. As of November 2013, he owed the bank loan amount of RMB 28.8 million and the interest of RMB 50,000 yuan. After the default of xx, the bank announced that the loan was due in advance and took it to the court. In March 2014, the xihu district court of hangzhou city accepted the case. 

 

The bank sued two other cases, owners are huang mou and zhao mou. That said, they bought at least two homes in the building. The purchase time is a high price in 2010, with a loan amount of 3.23 million yuan, which is 15 years and 30 years respectively. The owner has not repaid the loan since September 2013 and December 2013. 

 

Owner reply said in court, "to borrow, there is no objection on the fact that at present unable to reimbursement. Zhao mou one has to pay off the interest of more than three years, the bank to claim liquidated damages is not reasonable. Hope kunlun can fulfill guarantee responsibility to return the loan to the bank, then returned to the kunlun purchased house." 

 

A state-owned big line of nanjing, a President of the 21st century economic report also admitted that "at present there have been no similar situation in nanjing, but loans YuQiLv and overdue amount is on the rise. The second half of our pressure is very big!" 

 

, "the President said property prices, a complaint by the owners, in not yet. And the big family of small business owners buy villa estimation is the main future adverse, some just need but enterprise benefit not resort". 

 

A stake in hangzhou office personage thinks, leave room for just one of the more serious phenomenon, the owner of falling house prices after the opinion very much, some developers are under pressure will give some compensation measures, such as gift parking or return some to decorate.