Lawyer Guo Feng of Fujian Zhongyu He Zhong Law Firm: The developer is listed as an executor of bad faith, which probably means that there is no real estate or deposit available for execution under the developer's name, and there is no ability to perform. Then the owner will hand over the purchase money to the developer, and this money may be directly transferred to the previous debt by the court, which will indirectly affect the subsequent real estate construction and even affect the scheduled delivery of the house.
Lawyer Guo Yi, a partner of Fujian Tianheng United Law Firm: Being listed as an executor of bad faith does not legally lead to being deprived of development or loan qualification, but it will be included in the bank credit information system, further affecting the credit record of enterprises and the credit audit of banks. If the developer can provide bank-approved guarantee measures, it is also possible to obtain loans. At the same time, if developers can get enough development funds through other channels, it is also possible to complete all the development work.
2. Will this affect the developer's obtaining the pre-sale certificate?
Cai, Marketing Director of Straits International Tianzhu: Consumers don't have to worry about this capital chain at all. As long as you get the pre-sale certificate, it will prove that all your procedures are complete. There are also pre-sale supervision accounts. We don't explain the so-called untrusted list in detail. In terms of bank credit loans, at present, the Straits International Tianjing Real Estate Project has signed loan agreements with seven banks, and CCB, as the main lending bank, has passed the formalities of the Housing Authority. We dare to sell this house only if we can get a loan, but we dare not sell it if we can't get a loan.
Hu Zhenrui, Director of Construction Land Supervision and Management Department of Xiamen Municipal Bureau of Land Resources and Real Estate Management: As long as developers abide by the rules and contracts of land development, as long as they meet the standards of pre-sale certificates, they can naturally apply for pre-sale certificates. All advance payments will be monitored.
3. So, will buyers be at risk? What should I pay attention to?
Lawyer Guo Yi, partner of Fujian Tianheng United Law Firm: Of course, we still suggest that we should pay special attention when dealing with people who have lost their trust, because after all, the counterparty has a credit stain and a potential debt risk.
Real estate industry insiders: Once the government tightens monetary policy, the risk of buying a house will increase. Remind buyers to make a down payment carefully before obtaining the pre-sale certificate of the project.
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