Shanghai building collapses: Banks say buyers will continue to repay

July 3, 2009 11:15 A.M., the Shanghai municipal Government News Office held a press conference announced that Shanghai Minhang "Lotus River King Garden" in the construction of the accident is the main reason is that the north side of the building in a short period of high heap of soil, The foundation pit of underground garage which is being excavated on the south side is 4.6 meters deep, and the pressure difference between two sides leads to excessive horizontal force, which exceeds the lateral ability of pile foundation. In the morning of July 3, the Chinese New Society, Tai, Shanghai "Lotus Riverside View Garden" in the construction of the building is a quiet, not the ground high pile of soil, no repair construction vehicles, which marked the smooth end of the emergency work.　　Sino-New Society issued a Pansofi photo with the inverted 7th building situation similar, 6th building also displacement, through fill rescue, has reset 29 mm Bank said that although the building has collapsed, but for owners, the mortgage should continue.　　According to Xinhua News agency, the Shanghai Municipal government 3rd held a press conference announced that Shanghai "Lotus River King Garden" in the building of the main reason for the accident is that the north of the building in the short term of the heap of soil up to 10 meters, the south side is digging 4.6 meters deep underground garage pit, both sides of the pressure difference led to too much horizontal force, more than the resistance of the pile Cause of the accident: the 10-meter heap is the culprit in the 3rd press conference, accident investigation Expert group leader, Chinese Academy of Engineering, Shanghai Modern architectural design Group chief Engineer Huan said, there have been two piles of soil construction near the incident: the first pile of soil construction occurred six months ago, the heap soil distance of about 20 meters from the building, 10 meters from the flood wall, 3 to 4 meters high. The second pile of soil construction occurred in late June.　　June 20, the construction side excavation in front of the incident building, Earth-clinging buildings piled in the north of the building, heap soil in 6 days that is up to 10 meters. Guo, technical director of Shanghai Geotechnical Engineering Investigation and Design Research institute, said the second heap was the main cause of the building's fall.　　Earthwork accumulates rapidly in a short time, produced a 3000 tons of lateral force, coupled with the building in front of the excavation because of the volley surface, resulting in a building of about 10 centimeters of displacement, PHC pile (prestressed high-strength concrete) produced a large eccentric bending moment, the ultimate damage to the pile foundation, resulting in the whole of the building inverted. For some of the pile foundation is hollow cement pipe doubt, Huan said, hollow pile is a good pile type, saving material, vertical bearing capacity is very strong.　　At the same time, from the design point of view, the building usually does not rely on the pile foundation to resist the horizontal thrust. There's also a displacement of building 6th next to the building. The relevant departments in the press conference announced that the next step is to focus on the work of Safety Supervision Department led the investigation of the accident responsibility.　　The investigation team should strictly abide by the "four-pass" principle, that is, the cause of the accident did not let go, the parties and the masses have not been educated, the accident responsible person has not been dealt with, did not draw up practical preventive measures to pass. After the accident, the emergency command organization professional testing personnel, respectively, the remaining 10 buildings under construction, adjacent residential areas for uninterrupted monitoring. Expert Group RootAccording to the results of the test, the rest of the building in the security situation is stable, but the surrounding buildings around the housing situation tends to stabilize, and the housing security is different, not equal to say that the house is safe, and then to the surrounding 10 houses for security testing. The 6th building, similar to that of the 7th Building, was also displaced.　　Upon completion of the cleanup work, building 6th has been reset by 29 mm. Focus building collapsed, mortgage still have to continue to Shanghai Minhang a 13-storey real estate occurred contour, also rare personal mortgage mortgage damage caused by the repayment problem pushed to the front desk. Monthly mortgage repayment time is coming, but the house is down, is not it can not repay the loan?　　This is the confusion of many community owners.　　According to the reporter survey, to "Lotus Riverside King Garden" issued personal mortgage loans are mainly three banks, including the bank, ICBC and Shanghai banks (including mortgages for other buildings not covered by the community), the commercial mortgage loan involved is about $100 million, which involves about $ tens of millions of in the commercial mortgage loan of the collapsed building. "It is true that some individual customers have raised whether they can stop the loan.　　"There is also a communication between several banks to reach a consensus solution," said one bank loan source. At present, however, the borrower's obligation to repay the loan is still difficult to exempt. "Although clients are also victims, this does not affect the debt and credit relationship between banks and borrowers," the bank said. The collateral does not exist, but it can still be traced to the borrower's other property.　　Chen Shifu, a lawyer at the Shanghai American Real estate law firm, argues that, in civil law, borrowers and Banks act as debtors and creditors, while property rights are the collateral that banks receive when they make loans, and the loss of collateral does not result in the end of the relationship between debtors and creditors. It is obviously difficult to accept the repayment of the victims of the floor. But bankers and lawyers agree that borrowers can make claims to developers to repay bank loans, which can only wait for the Shanghai government's solution to come up with concrete action. (21st century Economic Report) lawyer: The person with serious housing damage has the right to terminate the contract. In Shanghai, some legal workers said that if the house is seriously damaged, whether it is inverted, the quality of the main structure is unqualified, or there is a serious quality problem,　　Buyers have the right to request the developer to terminate the contract and compensation for losses. In the building of the incident, the house is due to the seller (developers) of the reasons, resulting in the purchase contract can not continue to perform, so the housing buyers can cancel the contract. At the same time, the developer should also refund the collection of the House to the buyer, and compensate the buyer for the economic loss suffered by the person. For the house not collapsed, if the test results show that the main structure of the collapsed building is still not qualified or seriously affect the quality of residential safety, buyers can still request the release of the contract and claims for damages. (Xinhua) Hot Perspective "human flesh search"The more thorough the investigation of the accident, the better." From the moment that the 13-storey building was mysteriously inverted, whether it was the owners or the community, let the accident come to the truth and become the common voice of the masses. At present, the main cause of the accident has been identified and announced, the next point is to carry out the accident responsibility investigation. Accident investigation team said that according to the laws and regulations, the accident related to the responsible personnel, regardless of who is involved, will not tolerate, no mercy.　　People are also awaiting further findings.　　The supervision of the NPC is the highest level of supervision, the Shanghai People's Congress in the major emergencies to play the role of the local State organs, to safeguard the fundamental interests of the masses, such supervision embodies the NPC to perform their duties. In fact, in the face of this accident, whether the NPC's supervision or the government's investigation, the purpose is one: thoroughly investigate the accident truth, never condone the responsible person. The more thorough the accident investigation, the masses can really feel at ease, such absurd things can be fundamentally eliminated. (Xinhua) News chain to catch the construction department request to carry out construction safety investigation reporter 3rd from the Housing Ministry of Urban and Rural construction learned that the housing urban and rural Ministry of Building has issued a notice, the requirement to focus on the construction of safety hazards in the management and supervision. The official said that during the central inspection period, the Ministry of Housing and Urban construction will be part of the area supervision. Xinhua)