Relief funds, special social groups, and one-on-one assistance have all introduced measures to "guarantee the delivery of houses"

"Guarantee delivery, people's livelihood and stability". Since the "loan suspension incident" appeared, many governments have actively introduced relief policies for problem buildings.

According to the incomplete statistics of the Beijing News reporter, recently, relevant government departments in Zhengzhou, Kaifeng, Luoyang, Xianyang, Shaanxi, Suining, Sichuan and other cities have set up rescue funds and launched "one-on-one assistance" and "one plate and one policy" to help solve the problem real estate risks.

Zhengzhou "AMC State-owned Enterprise" participates in revitalizing the problem property.

Zhengzhou, the capital city of Central China, has become a city of great concern in this "loan suspension incident", from the unfinished storm of the famous Cuiyuan to the suspension of work in Xitang, Wei Yong, the "building with the highest education".

From the external reasons, Zhengzhou was hit by heavy rain last year, and the epidemic situation was repeated, which affected the construction progress of the real estate under construction; From the internal reasons, Zhengzhou's property market is weak, the sales of housing enterprises are not smooth, the capital chain of local housing enterprises is tight, and the "thunder" of foreign housing enterprises represented by Sunac and Sunshine City has increased the number of unfinished buildings in Zhengzhou. According to the data from the think tank center of Yiju Research Institute, in the first half of this year, Zhengzhou's unfinished area reached 4.4 million square meters, ranking second in the country.

In the campaign of "ensuring the delivery of houses, people's livelihood and stability", how to deal with these problems in Zhengzhou has become the focus of public attention. After several properties in Zhengzhou were involved in the "loan suspension incident", on July 19, Henan Zhengzhou Real Estate Group Co., Ltd. and Henan Asset Management Co., Ltd. unanimously stated that they would jointly set up Zhengzhou Real Estate Relief Fund to participate in the rescue work of revitalizing the problem properties and helping the housing enterprises in difficulty through asset disposal, resource integration and restructuring of consultants.

It is worth mentioning that Henan Asset Management Company is a local asset management company approved by the Henan Provincial People's Government. It has the qualification of "engaging in the acquisition and disposal of non-performing assets of financial enterprises" in the list published by the CBRC, that is, the "regular army" of local AMC.

According to public information, Henan Asset Management Co., Ltd. has accumulated 76.8 billion yuan of non-performing assets since its establishment in 20 17, helping more than 20 financial institutions in Henan Province to clear their risks, revitalizing more than 10 buildings, and helping more than 10 listed companies and problem enterprises get out of trouble.

"After the' loan suspension incident', Henan Asset Management Co., Ltd. did not temporarily intervene to deal with the problem property." Local real estate practitioners in Henan told the Beijing News reporter, "There was news in the industry that AMC would intervene in local' Thunder' housing enterprises and unfinished buildings in Zhengzhou."

Setting up a rescue fund will help solve the problem of project shutdown.

This time, the official announcement is that Henan Asset Management Co., Ltd. cooperates with Henan Zhengzhou Real Estate Group Co., Ltd., which is a local state-owned enterprise and incorporated into the state-owned assets supervision system. What effect will this "heavy" lineup of "local AMC local state-owned enterprises" jointly deal with problem real estate have?

Liang, general manager of Henan Branch of Central Finger Hospital, pointed out: "Zhengzhou Real Estate and Henan Asset Management Co., Ltd. jointly set up a real estate rescue fund, with the purpose of participating in the revitalization of problem real estate and the rescue of difficult housing enterprises and reversing the current market dilemma of uncompleted residential flats."

"Due to the different types of unfinished projects, the progress of each project is different, which leads to various reasons for unfinished projects. Therefore, it is necessary to carry out classified rescue according to the progress of different projects, the specific conditions of the projects and the reasons for unfinished projects. For example, some projects still have surplus inventory value, some have been sold out, some have just started to sell, and some are under pressure because of financing costs. It can be said that what the unfinished project lacks most is funds. The revitalization of unfinished projects is mainly to solve the problem of funding sources. By setting up a bail-out fund, it can be saved from the capital side. The launch of this bail-out fund, led by state-owned assets, has the effect of government endorsement, which can convey strong market confidence and is of great benefit to the solution of the unfinished project in Zhengzhou in the future. " Liang added.

"Zhengzhou state-owned enterprises joined hands with local AMC to set up a real estate rescue fund, which will play a very good role in the specific projects of housing enterprises. For example, for those projects that have been shut down due to financial problems, obtaining rescue funds through AMC can solve the problem of shutdown. However, the total number of projects solved may be relatively limited, because this is to solve problems from the perspective of projects, rather than solving the problems of housing enterprises themselves. " Jaco, 58 Housing Research Institute of Anjuke, said.

In fact, AMC's intervention in the disposal of problem buildings has been launched one after another this year. Previously, four state-owned asset management companies, namely, China Cinda, China Oriental, China Huarong and China Great Wall, have taken actions, mainly targeting at two real estate enterprises at risk, such as China Evergrande, Sunac China, Shimao Group, etc.

One policy on the first floor, closed operation, many places have introduced corresponding measures.

At the beginning of this year, the Ministry of Housing and Urban-Rural Development took "resolutely and forcefully handling the risk of delayed delivery of real estate projects caused by individual real estate enterprises' debt default" as one of its work priorities, and put forward the primary goal of "ensuring the delivery of houses, people's livelihood and stability", taking the rule of law and marketization as the principle, compacting the main responsibilities of enterprises, implementing the management responsibilities of local governments, maintaining social stability and safeguarding the legitimate rights and interests of buyers.

With the increase of "forced loan suspension" by owners in July, the CBRC responded twice. On July 17, the person in charge of the relevant departments of the China Banking Regulatory Commission said that it is necessary to strengthen coordination and cooperation with the Ministry of Housing and Urban-Rural Development, the People's Bank of China and other departments, adhere to the principle of "no real estate speculation", adhere to the principle of "stabilizing land prices, stabilizing housing prices and stabilizing expectations", and support local governments to make greater efforts to promote the work of "ensuring the property market, people's livelihood and stability".

At the same time, all parts of the country are speeding up the introduction of relevant policies to promote the resolution and disposal of problem buildings. Especially in Henan Province, in addition to Zhengzhou, the provincial capital, Kaifeng, Pingdingshan, Chanhe Huizu District of Luoyang City, Zhengyang County of Zhumadian City and other places have taken corresponding measures against the problem buildings.

Taking Kaifeng as an example, the Beijing News reporter learned from the Housing and Urban-Rural Development Bureau of Kaifeng Urban-Rural Integration Demonstration Zone in Henan Province that the bureau has formulated a "one floor, one policy and one plan" for the problem buildings in this area, aiming at the funding problems of enterprises and projects, helping enterprises to finance through state-owned platform companies in the area, speeding up the construction progress and promoting the smooth progress of "affordable housing".

During the interview, Zhang Dongchang, director of the Housing and Urban-Rural Development Bureau of Kaifeng Urban-Rural Integration Demonstration Zone, told the Beijing News reporter: "Taking Evergrande Lv Wen as an example, we set up a special resolution headquarters led by the main leaders of the district, and there are four special resolution working groups under the headquarters. Each working group is led by a county-level leader, which has effectively promoted all work and set up a supervision account to ensure that all funds are used for later project construction; According to the specific conditions of the project, we will formulate a' one floor, one policy and one plan' to help enterprises to speed up the construction progress and promote the handover progress through the financing of state-owned platform companies in the region. "

Not only in Henan, but also in Xianyang, Shaanxi and Suining, Sichuan, the pace of dealing with problematic buildings has been accelerated, and the policies of "one-on-one assistance" and "one-on-one linkage" have been established. Taking Suining, Sichuan Province as an example, Suining Housing and Construction Bureau guides all jurisdictions to carry out the docking work between real estate enterprises and real estate projects. Each project is linked by one-to-one leaders of a county (city, district) and a municipal park, urging undeveloped real estate development projects to start investment as soon as possible, and guiding the real estate development projects under construction to operate in a standardized manner and be completed on schedule. At present, * * * 83 real estate development projects under construction and to be built are included in the scope of linking.

In addition, Jinan City, Shandong Province adopted the method of "bail-out funds and closed operation". 18 In July, Licheng District Housing and Urban-Rural Development Bureau of Jinan City, Shandong Province issued "District Housing and Urban-Rural Development Bureau actively promotes the solution of outstanding problems in the real estate field", which showed that Licheng District Housing and Urban-Rural Development Bureau conducted a comprehensive risk sorting of 157 real estate projects under construction in the whole region, and found out 19 outstanding problems in the real estate field, mainly involving delayed delivery, project suspension, promotion and contracts. In view of the actual situation of the shortage of funds for risky projects, under the premise of ensuring the safety of funds, help enterprises win the support of pre-sale supervision funds of the Municipal Housing and Construction Bureau, and use them in closed operation in the project to ensure the completion and delivery of the project and promote the safe resolution of project risks.