What happened to the owner who bought the uncompleted residential flats?

Summary: Leijiacha, etc. I bought a house for three years, but I can't deliver it, and there is still the risk of unfinished business. She has no choice but to defend her rights with other owners. However, the developers on the spot can act like dead mice, and there is nothing anyone can do. Xiao cheng, etc. Don't know what to do. Want to check out, the lawyer said that the developer will definitely not be able to refund the money; Want to stop the loan, the lawyer said that the bank will definitely put you on Lao Lai's list and want to wait for the delivery, but the developer can't give the delivery time. Cheng Xiao, who collapsed, looked up the experiences of other property buyers who unfortunately bought uncompleted residential flats, and wanted to seek some experience and comfort. However, it was even worse for many owners who still had no room to live in after years of defending their rights. Cheng Xiao didn't want to see the developer fall, she wanted to save herself. She negotiated with other owners and developers and worked out a series of plans for gradually returning to work. Finally, whether this property can be unfinished depends on the next operation of the developer.

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May 1 day, 2022, is the day when the first phase contract of moma in Taiyuan Contemporary City was purchased. On this day, the sales department was crowded, but not because of the joy of handing over the house as scheduled, but a large number of owners gathered here and shouted, "We want to close the house, we want to go home!" In addition to the property buyers, only the leaders of the Bureau of Letters and Calls who rushed to the sales department accompanied them to comfort everyone, while the leaders of the developers were afraid to show up like kittens, and they even called the police for fear that some people in so many angry people would lose control and pose a threat to their lives and property.

Hundreds of owners came to the sales department of contemporary city to discuss.

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Cheng Xiao has worked hard in Taiyuan for ten years. From 2065438 to March 2009, she and her husband collected nearly 500,000 yuan. With infinite longing for the future, she bought a finely decorated house in the first phase of Contemporary City with a loan of 6.5438+0 million. At that time, Cheng Xiao said that the monthly supply of 5,500 yuan was too stressful and he would rather buy a smaller one. However, considering the happiness of a family living together for three generations, the husband still bites his teeth to show that he can live. Since then, the husband and wife have tightened their belts and have no leisure and entertainment. They have never bought new clothes. Xiao cheng, etc. Simply change your skin care products into a nine-yuan bottle of Dabao.

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Although life is hard, although it took three years to repay the 200,000 mortgage with a principal of only 50,000, it is somewhat disappointing. But I am happy, disappointed and happy at the thought that my family can finally settle down in Taiyuan soon and my children can go to the corresponding school.

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Looking forward to it, the day of handing over the house came as scheduled, but the cruel reality gave Xiao Cheng a heavy slap in the face. The capital chain of contemporary city is broken, and debt lawsuits are everywhere. The bank has taken the lead in freezing the account of the contemporary city, and it can't pay the house at all, which may be a rotten tail. The developer only symbolically issued an announcement on the official WeChat account to postpone the delivery of the house. This announcement is perfunctory to the extreme, and it doesn't even explain the specific reasons for the delay and the changed delivery time. Seeing such an unconvincing announcement, Cheng Xiao decided to ask the developer for an explanation, so he crustily skin of head and took the house.

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In the official account of WeChat, Contemporary City announced the delayed delivery.

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After coming to the sales department, Cheng Xiao found that other owners had the same idea as himself, and everyone gathered here to discuss. In recent years, we have heard about the real estate recession, but when we came to the scene, we witnessed the completely different attitude of sales and the absurd behavior of developers. They huddled together and didn't want to give an explanation. Xiao cheng, etc. Like a bolt from the blue, tears streaming down my face, watching the building just stop working when it was closed. She can't imagine where her son will go to school without this house, what hope there is in her life, and what is the significance of her frugal life.

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Some people may ask, if the house is capped, will there be a risk of unfinished business? The answer is yes, before the house is closed, any step may be unfinished, and some even say that capping is the beginning of unfinished business. Because the industry practice is that after the building is capped, it is necessary to pay the second phase of the project to the construction party. Developers with problems in the capital chain are unable to pay this fee and will naturally stop working.

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It's a pity that the house I bought was not finished. What should property buyers do to protect their own interests to the maximum extent? Everyone's first reaction is to check out. Cheng Xiao also consulted a lawyer, but the lawyer replied, don't back down. Because even if the lawsuit wins, the developer has no money to refund. If he wants to have money to make it up to you, why doesn't he end it in a hurry? Moreover, he has too many creditors. Banks, construction parties and owners who haven't checked out have priority over you. It's your turn to refund money in the Year of the Monkey. Xiao Cheng, this house is rotten. I think it's bad luck, so I can never repay the mortgage. The lawyer replied again, no! Because you borrowed money from the bank, can you not pay back the money if there is something wrong with what you borrowed? Obviously not. And as soon as the loan stops, the bank will immediately sue you, enforce other properties under your name, and put you on the old list, which will have a huge impact on your life and your children's schooling. Can you really bear these bad consequences? From this point of view, it seems that the only way for Cheng Xiao to go is to be willing to repay the mortgage, overcome many difficulties to make a living, and silently look forward to good luck, and the unfinished building will be able to resume work one day. But the long wait, the huge expenses, the helplessness and bitterness of physical and mental exhaustion are really beyond the tolerance of ordinary people.

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While sympathizing with Cheng Xiao's experience, we might as well look at the owners who had the misfortune to buy uncompleted residential flats before, how did their problems be solved, and what happened in the end?

Owners who moved into uncompleted residential flats

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These are the owners of Xi Anyi Hefang. They waited for the house for eight years, and nothing changed. In desperation, more than 300 owners moved into rooms with rough walls and rough land. There are no supporting municipal works, no doors and windows, no water, electricity and heating, no elevators and no toilets. Every door and window is hung with curtains, equipped with solar lights, carrying buckets up and down dozens of tall buildings, and living a miserable and helpless life. If there is a little retreat, who wants to dwell on this miserable life before liberation? However, the tenacity and stubbornness in people's bones in the Loess Plateau can't cover up the embarrassment of being stretched in life. Then there is a lot of construction waste piled up in the community, and the road surface is not hardened and muddy. What should I do if the wall of the house leaks? They really can't afford the mortgage and rent. Compared with sleeping on the street, you can shelter from the wind and rain!

The owners of Xi 'an Anyifang Community went upstairs and downstairs with buckets.

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This is Tianyu Shi Sheng Building, located at Gutian Second Road, Qiaokou District, Wuhan. It is a relatively rare single-family house with only more than 240 households, but it is also an unfinished building. 2065438+September 2008, Wang Wei and his wife, who are nearly 60 years old, chose this place with a down payment of 800,000 yuan. Unexpectedly, this is where the nightmare began. They used to have a house, so they sold the old house and bought a new one, because they wanted to improve their living environment and prepare for their children's marriage. But what I didn't expect was that not only did the house disappear, but the money also went to Shui Piao. After waiting for three or four years, the house has been unable to be delivered. The sad face of life filled the eyebrows of the couple, and they finally had to move into this residential building. Wang Wei said that they chose to move here, in addition to the pressure of survival, there are three considerations. First, it is difficult to communicate with children. I was upset when I talked about the house, which made two generations unhappy, so I chose to move out and leave a space for my children. Second, the construction equipment is still at the construction site, which always gives them a glimmer of hope for returning to work. They live here and look at the website to see if there will be any trouble; Third, the sales department is opposite the building. Living here, they can keep an eye on the trend of this developer at any time, and at the same time they can put some pressure on the developer.

Wang Wei and his wife moved into Wuhan Tianyu Shi Sheng Building.

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Living here, every night is the most painful moment Wang Wei and other owners had to raise money to buy a small generator and barely maintain lighting. After experiencing the test of survival, they no longer want to live a happy life, but just want to live a normal life.

The messy appearance of Wuhan Tianyu Shi Sheng Building.

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These examples all illustrate a problem. If you have the misfortune to buy an unfinished building, you will never have a smooth life for the rest of your life. Either run on the road of safeguarding rights, ask the government to be the master and fight against developers; Either accept the reality, move to an unfinished building, live a life of fetching water and chopping wood, no electricity and no internet, and derail from the outside world; Either you have a strong ability to make money, don't care about the loss of this suite, wave your hand and buy another one. However, Xiao Cheng. And her husband is just an ordinary working class, and her parents are just farmers. The down payment on this house hollowed out their parents and their savings for the rest of their lives. Can they be happy all their lives because of the house loan that is still far away, and become the Yang Bailao of the new society?

The outline of uncompleted residential flats

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Think of this, Leigh. I collapsed a little, and I have to spend the rest of my life paying off debts, so I have no happiness in life. She seems to be a different person in the past few years. She no longer greets relatives and friends every once in a while and visits her elders on holidays. Once, her 83-year-old grandmother called, and her voice choked with "complaining" that Cheng Xiao hadn't visited her for a long time. Cheng Xiao blamed himself and felt ashamed. He told his grandmother that he was under great pressure to survive because he bought a house, and he was trying to make money and pay off the mortgage. Grandma said with trepidation that she still has 20,000 yuan in savings, and she will take it to Xiao Cha and others when she goes back next time. Grandma's pension money can't be taken, of course, but the hard work of repaying the mortgage at sixes and sevens makes the old man feel distressed, and Cheng Xiao has mixed feelings in his heart. No matter how hard you try, you can't get the delivery, which is a fatal blow to an ordinary person.

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Near noon, under the adjustment of the leadership of the Bureau of Letters and Calls, the developers of Contemporary City finally appeared. Owners know that no amount of emotional venting is futile, and the top priority is to solve the problem. So everyone suppressed their anger, encouraged each other, and tried to negotiate with the developers calmly. Cheng Xiao and the owner put forward the following requirements:

1.20211this year1what is the reason for the shutdown since October?

2. When is the specific delivery time after the delay?

3. Publicize the current project progress.

4. Whether the materials needed for the remaining project have been paid, please give the specific time for the completion of the remaining workload, and arrange a reasonable construction plan and capital plan according to the scheduled delivery time of the house.

5. Please announce the capital flow of the supervision account.

In view of the above problems, the developer leaders gave the following answers after discussion:

1. Thunderstorms in the real estate capital market in recent years have had a great impact on contemporary cities;

2. The delivery date is tentatively set at the beginning of September. The exact time cannot be determined yet, but it will be resumed on May 10.

3. Announcement of project progress: 1 95% of the total contract has been completed for building 6, and the first coating has been completed, but the cabinet has not been installed; 7 to 1 1 building, 99% of the total contract is completed, and the secondary painting is completed; Cabinets and decoration are basically completed, and some gardens and small municipalities have not yet been completed; Energy-saving acceptance and fire-fighting acceptance have been completed.

4. Last week, 6,543,800 yuan was paid to two hardcover units respectively. At present, workers are isolated due to the epidemic; Complete cabinet installation before the end of May; Complete the installation of wooden floor before the end of June; Complete the installation of sanitary ware before the end of July; August 10 to 15 is the owner's open day, and the owner can come to inspect the house.

5. The 10 billion yuan in the pre-sale supervision account went to another building of contemporary home ownership-contemporary works, and 300 million yuan has not been returned so far. Moma, the contemporary city, has filed a lawsuit, and the court session is scheduled for May 13. If the money is recovered, it will all be used for future construction.

The leaders of the Bureau of Letters and Calls are coordinating the contradiction between developers and owners.

Cheng Xiao and several other buyers sent the negotiation results to the owner's self-built group, and everyone had a heated discussion. Some owners think that it is a good thing for developers to give a promise, so don't worry too much, just sit tight; Some owners believe that we can't be blindly optimistic, the funding gap is not solved, and all the guarantees of developers are just empty promises. If the hope of properly solving the funding problem is pinned on contemporary litigation, it will be a long wait and there are too many uncertain factors. Some owners think that as long as you keep an eye on the progress of the project, you don't have to worry too much. If the developer fails to start construction as promised, then everyone will work together to safeguard rights in Qixin. Under pressure, developers should not break their promises. In this way, everyone in the group had a word-for-word discussion. They don't necessarily know professional legal knowledge, and they don't know how to effectively protect their rights. They just feel that since the developer has made a commitment, things will develop in a good direction, and the light of hope for handing over the house will slowly rekindle.

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At two o'clock in the afternoon, exhausted owners dispersed after concluding negotiations with developers and small teas. Go home hungry. In any case, today's result is what you want, and then the developer will honor his promise. She knows that today's negotiations are only the beginning, and there is still a long way to go to safeguard rights.

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The uncompleted residential flats are like the scars of a city, stinging the hearts of thousands of owners in Qian Qian. Some people say that the root of uncompleted residential flats is the pre-sale system of auction houses. If you pay in one hand and hand over the house in the other, there will be absolutely no uncompleted residential flats, and buyers will not have to bear huge risks and losses. We are all ordinary people like Leijiacha etc. When buying a house, we often spend most of our hard-earned money, but once the house is rotten, the owner has no room to live in and the bank loan has to be paid back. Finally, the money was gone and the house was not seen. This is really a bitter tear. In this way, it is the aspiration of the broad masses of the people to cancel the pre-sale of commercial housing, and it is also an unbearable pain for the owners of uncompleted residential flats.

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May 7, Xiao Cheng. See a message in the group. A landlord was told that he was going to return to work and was going to scrape the wall at home. Such an unremarkable news made Cheng Xiao extremely excited, and the whole owner group was boiling, which showed that the project was really advancing and everyone's rights protection was effective.

The owners were ecstatic when they saw the news of the project advancement.

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If there is an unbearable pain in the world, it must be the unbearable pressure of life for the owners of uncompleted residential flats. I sincerely hope that all owners can live in their own houses, and there are no more unfinished buildings in the world!