Debt collection real estate slogan

It is reported that the number of housing enterprises closed down in 2020 exceeds 500, and some enterprises find it difficult to deliver pre-sold houses, so banks have no choice but to recover loans from housing enterprises or individuals. A bank in Jiaozuo, Henan Province sued the developer, proposed to cancel the purchase contract and loan contract, and begged for faster loan and liquidated damages; A developer in Zhuhai was held accountable by China Bank for failing to repay the loan contract on schedule.

A bank loan officer said: When a real estate enterprise goes bankrupt, buyers are also victims. According to laws and regulations, they are actual borrowers and should be collected by banks. However, compared with the collapse of a large number of housing enterprises, the increase of "foreclosed houses" should also attract everyone's attention.

In 2020, the number of auction houses will be 20 17 times 143 times, many of which are caused by "supply failure". Many people can't imagine what is the concept of 143 times? The number of auction houses in 20 17 was 9,000, and it exceeded 500,000 in 20 19. In 2020, it will be 1.29 billion, and it will be close to 2 million by the end of 2020.

As for why there are so many foreclosed houses, there are two main factors:

1, the decline in house prices in Beijing, the central and western regions, the northwest and the northeast is also increasing. If the market value of the house price is not enough for the loan, the down payment will be directly lost, so many people are unwilling to repay the loan.

2. In 2020, affected by special circumstances, the number of unemployed people increased, and everyone's income also declined. After the monthly salary of many families fell, the mortgage problem was very serious. In the end, they had no choice but to cut off the mortgage.

Housing enterprises get land at high prices, and buyers buy houses at high prices. Once the house price falls by more than 20%, the income can't make up for the monthly payment, and everyone will not continue to repay the loan. Naturally, banks can't do business at a loss. Once they can't repay, they will vigorously pursue debts.

In the past few years, the real estate industry has been so beautiful, but now the housing prices in small and medium-sized cities are falling, and housing enterprises and buyers are still responsive. In fact, a similar thing happened seven years ago.

In 20 14, 47 companies announced their performance, and 1 1 company suffered the first loss, with the first loss ratio as high as 25%. Only 14 enterprises have completed the sales business, and 60% of the real estate enterprises have not completed the targets and tasks, including Longhu, R&F and China Resources.

20 14, 1 1, among 70 large and medium-sized cities, 67 cities fell month on month and 68 cities fell year on year; Second-hand houses in 58 cities fell month-on-month, and 67 cities fell year-on-year.

At that time, the sales area also decreased from 654.38+03 billion to 654.38+02 billion, and the inventory area increased from 400 million to 620 million. In many places, the de-capacity cycle has been extended to more than 654.38+05 months, or even as high as 30 months.

It can be said that the scene in 20 14 is very similar to today's scene. After that, the national destocking stage began, and in 20 16, the shed reform was introduced. At the end of 20 17, the inventory fell to the level of March 20 12, and the house price also rose slowly.

So, will the property market repeat the scene seven years ago?

The answer is no, now the central bank has announced "restricting lending" and local governments have also introduced regulatory policies. With the arrival of the "loan restriction order", the funds entering the real estate industry decreased, and mortgage loans in some cities shrank by 60% in the first quarter.

Today's real estate industry is depressed. However, the central bank and local banks did not "save the market". On the contrary, they strengthened regulation, put heavy pressure on hot cities and avoided rising house prices. It can be seen that it is impossible for the property market to reproduce the destocking after 20 14, and the tide of "de-financialization" will be concentrated.