Beijing Some property check out super 30% whether the property market continues to rebound doubt

Why check out the phenomenon of the market is not clear, developers relaxed check-out conditions-check-out behind the complex in the real estate market can continue to rebound in the critical period of uncertainty, any abnormal phenomenon, are enough to affect people sensitive nerves.　　Obviously more than the previous check-out phenomenon is one of them. Since this year, in the property market rebound, many projects announced that "sold out" at the same time, check-out phenomenon has been increasing. It is understood that since this year, some of Beijing's in-sale projects check-out rate of more than 10%, some even more than 30%. Xian faster check-out rate of more than 6%. Nanjing April since the check-out of nearly 200 sets.　　In addition, Shenzhen, Changsha, Hangzhou, Chengdu and other areas have also appeared a lot of check-out.　　Why do buyers have to check out? The reporter calls Beijing several high check-out rate project. Southwest Four ring a project sales staff said that the sale of less than 50 sets: "A company once bought more than 20 sets, and later because of capital tension, all return, so check-out rate is relatively high." "East four ring hundred sub-bay, a project sales staff said that due to the real estate during the spring festival concessions, some of the old owners feel the disadvantage, the proposed check-out." All formalities are completed and will take a couple of months, so the March or April check-in is more than usual. "It's normal, and it's not going to be a long time before we sell out," he said. "Check out increases, with market shocks warmer but not expected to be clear about." Dong, director of Beijing Normal University's real estate Research center, said the specific reasons for the check-out increase are complex. The main reason is the late sale of some items, early owners because of dissatisfaction to check out. Affected by the economic crisis, some buyers of the income level to reduce the loan or repayment problems, had to choose Check-out.　　Some of the hot items increased the supply, some just bought the house owners want to change another room, also must check out before buying a house. On the other hand, the recent real estate market can continue to warmer, whether the price will fall again more controversy, resulting in some just bought a house of people's expectations and confidence is affected, worried about the price will continue to fall, choose check-out continue to wait and see.　　In addition, due to the quality of housing, contract disputes and other common causes of check-out, will increase with the increase in turnover. Buyers who once argued that they could not achieve the check-out request, why now seems to become "easy"?　　Industry insiders believe that many developers in order to promote, will be "unconditional check-out" as a marketing selling point, or even into the sales contract, these conditions so that the home buyers of the success rate increased. A number of cities in the last year due to the owner of the request to check out and the developers clashed with the incident, caused the Government of high concern. "On the one hand, local governments require us to take proactive measures to avoid intensification of conflicts." On the other hand, we also need to maintain the company's image. Therefore, in conditions permitting, we have met some of the owner's check-out request.　　"An insider from a large real estate company told reporters. Buy from Sell, make hotIllusion-fake mortgage looming in addition to the developers to check out the reasons for a variety of reasonable explanations, many people in the industry worry, check-out phenomenon increased behind, do not rule out the possibility of some developers to make fake mortgages. The so-called fake mortgage, that is, developers because of funds tight, through the "internal sales" or to find employees, relatives do "childcare", to give certain benefits, under the guise of their identity signed a purchase contract, from the bank fraud loans. When the market picks up, the developers return the house back to sales.　　This will not only solve the financial problems, but also to make a profit when selling.　　Developers through fake mortgage "buy from Sell", from the bank, not only eased the financial pressure, but also avoided the embarrassment of selling sales, and can create a false boom in the sale of items. "False mortgage in the early market supervision is not strict when more, the risk is obvious."　　Yin Chengli, a research institute at the Institute of Financial Research at the Chinese Academy of Social Sciences, said that if the developers loan successful, they would soon be unable to pay their mortgages and the bank's bad debts would continue to increase. As early as 2005, the central bank in the "China Real estate finance report" That said, "fake mortgages have become the main source of risk for personal housing loans."　　According to the central bank quoted the consumer credit Department of ICBC analysis, the bank's personal housing loans of non-performing assets, 80% is due to fake mortgages. Xi, vice president of the Supreme People's Court, recently said that only in January-February this year, the national court has reached 24,349 cases of real estate disputes, up 15.56% year-on-year.　　The number of false mortgage loan cases began to increase markedly. What are some of the most interesting check-out events related to fake mortgages? Reporters interviewed a number of experts said that developers through fake mortgages, resulting in high check-out rate is there, but at present is only a separate phenomenon. "Now commercial banks are more stringent on the risk control of mortgage loans, and it is unlikely that there will be a widespread fake mortgage phenomenon." If the market warmer or check-out rate is higher than all the reasons for false mortgage, too one-sided.　　"Yin Chengli said. "Technically speaking, now developers do fake mortgage operation is very difficult." "CCB Changzhou branch president Humin told reporters that the U.S. subprime crisis warning, the CBRC, the central bank has repeatedly stressed the strengthening of housing mortgage loan risk control." The bank also strengthened its scrutiny of borrowers ' identities, income and lending intentions this year.　　and repeatedly stressed to the business manager, each contract requires face sign, and the lender face-to-face conversation, judge the authenticity. "If it is a fake mortgage, it can be seen in some detail." For example, the borrower's financing purposes are more obvious; one tries to use multiple ID cards to handle multiple loans, or the borrower is a real estate employee. The staff of the bank, as long as the serious and responsible, cause enough attention, through these clues, can be controlled.　　"Humin said. It is understood that this year, in the credit adequacy, the housing market warmer background, the Construction Bank Changzhou Branch has added nearly 900 million yuan personal housing mortgage loans, but the quality of mortgage loans is very good, non-performing loan rate is always under 5 per thousand, than the otherThe poor rate of business Blake much. But a real estate industry personage discloses, precisely because the mortgage loan quality is good, causes each bank fierce competition, does not exclude the bank to individual project, especially "The big customer" the project existence to relax examines the phenomenon, some credit credit audit even is a formality.　　This provides space for making fake mortgages. Fake mortgage is hard to find in the process of forgery-supervision must be fixed on abnormal "signs" recently, Beijing, Shanghai and other real estate market authorities have carried out a special rectification action on the real estate market order, in which the fake mortgage is the focus of remediation objects. "As long as there is evidence, we must seriously investigate, must not let this phenomenon spread."　　The Beijing construction construction construction related personage says to the reporter. The difficulty of the supervision department is not the school "false mortgage is false, but all the purchase, loan formalities are normal performance, it is difficult to ascertain the real use of loans, to help counterfeiters are mostly voluntary." It is therefore difficult to find evidence as to which property has a false mortgage.　　A city in Jiangsu Province, the head of the housing Bureau told reporters. Beijing Renhe law firm lawyer Meng Xianseng also believe that fake mortgages in the process of fraud is not easy to find, only to the end of the developer is not on loan to launch the investigation. "There are consequences to be defined, but often this time the risk has been passed on to the banks." "Now we mainly through the observation of real estate transactions in some abnormal signs, to strengthen the prevention of fake mortgages." "The official of the Housing Authority said that if a normal sales volume of real estate, turnover or check-out rate suddenly increased, will conduct a special investigation." Today, the sale of the real estate, in a few days to become available, also may be false mortgage. "There is no better way for government departments to start with these details." "We remain highly sensitive to fake mortgages. Humin revealed that in order to avoid the collusion between the bank insiders and developers, the banks are now approved housing mortgage loans to the majority of customers through the Customer Manager, risk manager, such as a number of gatekeeper links, it is impossible to "clean".　　At the same time, the accountability system after problems has become more stringent than before. Experts believe that the borrower's credit audit content can not only be limited to the identity card, personal income certification and other comparative raw materials, should be the borrower's assets and liabilities, social activities and there is no illegal records, the situation of breach of faith to conduct a comprehensive verification.　　After the bank loans, the timely follow-up supervision of the use of loans, the formulation of contingency plans to prevent and defuse the loan after the various risks arising. Meng Xianseng that, because the real estate mortgage loan amount is huge, the judicial organ should strengthen the investigation and punishment to the fake mortgage case.　　Should punish the real estate developer and so on beneficiary, to the bank inside cooperate the perpetrator and the initiative to provide the identity proof and the profit assistance counterfeiters, also should increase the punishment strength. At the end of April, the second Chinese hospital in Beijing pronounced a fake mortgage case--sen Hao apartment case, years ago. Developers Xianqing to take with the buyers signed a false commercial housing sales contract, for buyers forged income certification, the first payment certificates, such as loan materials, such as the Beijing branch of the bank to cheat huge personal mortgage loansPayment of 750 million yuan. Developers were finally sanctioned by the law, a case that should give more warning to the real estate market.