The developer can go bankrupt, why can t the people cut off the supply?

The developer can go bankrupt, why can't the people cut off the supply?

The developer can go bankrupt, why can't the people cut off the supply?

In recent years, the real estate market has fluctuated frequently, and the incident of unfinished buildings by developers has become a hot topic of social concern.

At first, this phenomenon was limited to small and medium-sized real estate companies, but gradually spread to large real estate companies. Unfinished buildings are not only a direct manifestation of the rupture of the developer's capital chain, but also the beginning of the collapse of the buyer's dreams. While carrying a heavy financial burden, these people have to face the cruel reality of having no house to live in advance. Suffering and helplessness are a direct product of this crisis.

There are two main reasons why real estate developers are in a dilapidated state. First of all, high debt has led to limited access to financing, coupled with the decline in housing sales, and the capital chain has become increasingly tight.

Second, due to the lack of effective regulation, property developers often divert homebuyers' advances to other projects, and when these projects fail, it is difficult to recover the funds. The combination of these factors has led to a financial crisis for developers and the resulting dilapidated buildings.

In this regard, many people question that developers can stop work due to financial problems, while home buyers cannot stop paying.

The bank's explanation is that a contract of sale and a mortgage contract are two different things. Even if the house becomes unfinished, the buyer still has to repay the loan on time. This argument, while in line with the logic of contract law, ignores the fact that the bank did not adequately assess the developer's risk when granting the loan, resulting in the buyer suffering unfair consequences.

Banks should be more cautious in the process of granting loans, strictly review the debt situation of developers, reasonably assess the repayment ability of home buyers, and avoid blindly pursuing profits and ignoring risks.

At present, there are two ways to reduce dilapidated houses: one is to cancel the pre-sale system of new houses, and the houses can only be completed after they are completedThe second is to strictly regulate the advance payment of home buyers to ensure that the special funds are earmarked.

So, what should a buyer do if they unfortunate enough to find an unfinished property?

First, they have to negotiate with the developer to solve the problem and find a common solution. If the negotiation is unsuccessful, the owner can communicate and negotiate with the developer through the owners' committee. Finally, recourse to the courts is a last resort, but it can be a long and uncertain process, and the outcome is uncertain. Therefore, home buyers are advised to prioritize existing or second-hand homes to avoid the risks associated with off-plan properties.

In general, the volatility of the real estate market is not only an economic problem, but also a social problem. It affects the stability and well-being of every family.

Therefore, property market regulation should not only focus on economic benefits, but also pay attention to people's quality of life and mental health. Let's work together to achieve a fairer and more equitable property market environment.

When analyzing the real estate market, we have to face a very obvious social reality: there is a clear imbalance between the rights and interests of real estate developers and the rights and interests of home buyers.

Real estate developers have more leverage and room to maneuver in the real estate market, while the average home buyer is often at a disadvantage. Under this unequal power structure, it is often difficult for the interests of home buyers to be fully protected.

In addition, the regulatory regime of the real estate market has exacerbated this imbalance to a certain extent. Weak or malfunctioning regulation often leads to damage to the rights and interests of home buyers. For example, some developers use advance payments for other projects in violation of regulations, which is often difficult to detect and stop in a timely manner in the absence of effective supervision. In addition, the lack of supervision of developers and home buyers by banks in the process of granting loans is also a significant factor contributing to market risk.

Therefore, in order to protect the rights and interests of home buyers, supervision should be strengthened from several aspects. First, regulators must strengthen their oversight of property developers and strictly enforce relevant regulations to ensure that property developers do not abuse advance payments from home buyers. At the same time, banks should also strengthen risk control in the process of loan issuance, reasonably assess the borrower's creditworthiness and repayment ability, and avoid blindly pursuing profits while ignoring potential risks.

On this basis, it is also necessary to establish a more complete legal framework to protect the legitimate rights and interests of home buyers. These measures include the establishment of homebuyer protection**, the establishment of a mechanism to quickly resolve property disputes, and the improvement of transparency and fairness in the real estate market. These measures are designed to provide a more solid safety net for homebuyers and reduce the risks they face in the real estate market.

Finally, it is necessary to strengthen public education on the knowledge of the property market. Through education, buyers can understand the risks of the property market and their own rights and interests, so that they can make more informed choices when buying a house. At the same time, this action will also help to raise public awareness of the unfairness of the real estate market, which in turn will promote the improvement of policies and the healthy development of the market.

In short, the problems of the property market are multifaceted, including the control of economic risks and the improvement of laws and regulations. Only by taking comprehensive measures can we truly achieve the stability and fairness of the property market. Let's work together so that every family can live and work in peace.