New experts in pre -sale funds for commercial housing in many places: Supervisor requires rigidity and help

China Commercial Daily (Reporter Wang Tongxu) Recently, the phenomenon of "collective loan" of home buyers in many places has exposed the loopholes of pre -sale funds for commercial housing in some places. "Insurance and diplomats" have become keywords in the market. In many places, policies and measures have been promoted to strengthen pre -sale funds supervision, compact the main responsibilities of real estate development enterprises, supervision banks and housing construction departments, and effectively maintain the health order of the real estate market.

New regulations are densely launched

In many places, the supervision of pre -sale funds for commercial housing has been strengthened.

In terms of ensuring special funds for pre -sale funds for commercial housing, Cangzhou City, Hebei, stipulates that before the pre -sale applies for pre -sale of commercial housing, the supervision bank shall be selected to open a dedicated account in accordance with the principle of the only account of the only account of a commercial housing pre -sale permit. Dongguan City, Guangdong also emphasized that the purchase of houses should be deposited directly into the corresponding house pre -sale fund supervision subsidy account. Development companies should not retain them privately and store house purchase funds in any other form.

Jiujiang City, Jiangxi has worked further in strengthening the transparency of pre -sale funds. The city recently announced the 85 pre -sale fund supervision accounts of 139 commercial housing currently sold in the central city. The pre -sale fund supervision account will be announced as soon as possible.

In addition, there are also places to link funding nodes to project progress. For example, Changsha, Hunan, will monitor the flow of funds throughout the process. Not only that, it is also a highlight of the "guaranteeing funds' staying in the project and staying in the local area".

In order to encourage real estate development enterprises to consciously perform their responsibilities, there are still places to propose a reward mechanism. For example, for the company that voluntarily joined the "Integrity Alliance" to publicly commit to the society, it is clear to the society that it is clearly promised to keep the law. Implement the "help excellence" policy.

"Inspection of the Tower" into a key word

In February of this year, the new regulations for pre -sale funds for commercial housing were introduced, and measures were clarified to determine the bidding bank, reasonably determine the supervisory amount, clarify the supervision responsibilities of all parties, establish an information sharing mechanism, determine the first and last allocation nodes, and other measures. The supervision of the country has been unified in the country.

"Concluding local government responsibilities, keeping traffic in the building and stabilizing people's livelihood." At the meeting of the Political Bureau of the Central Committee of the Communist Party of China on July 28, the content of the "Insurance Communications" entered the meeting and became the keywords of the current market market.

"Recently, there are rotten tail buildings, which has caused relevant debt crisis and has touched the rights and interests of buyers. The promotion of relevant policies has captured the key to the problem and has positive guiding significance." To China Business Daily reporter.

In an interview with reporters, Liu Xinyuan, head of the Law Firm of Shanghai Qinbing (Beijing) Law Firm, said that in order to stabilize the real estate market and avoid the large -scale production of the rotten tail buildings, it is also in order to establish confidence in the development of real estate standardization and legalization, and strengthen the supervision of pre -sale funds for commercial housing. Essence

"There are many highlights of the new regulations for pre -sale funds for commercial housing in many places. There are quite a lot of highlights. If the pre -sale funds are not regulated, the bank will recover, otherwise it will assume the joint responsibility. In addition, the regulatory rights that can be checked at any time on the supervision information of the pre -sale funds are given to the people of the buyer, which has increased the supervisory subject and the method of supervision. It has positive significance at the level of regulations. "Liu Xinyuan said.

Wang Xiaoyu, chief analyst of Zhuge Finding Data Research Center, believes that the supervision of pre -sale funds supervision will make pre -sale funds more transparent. At the same time, pre -sale funds can be prevented from being misappropriated. At the same time, it will also force the real estate industry to transform in the direction of financial stability and safe operation.

It is recommended to participate in supervision of insurance capital

Regarding the supervision of pre -sale funds for commercial housing, as early as April 2010, the Ministry of Housing and Urban -Rural Development stated in the "Notice on Further Strengthening the Supervision of the Real Estate Market Supervision and Inspection of the Pre -sale of Commodity Housing" that all local commodity housing pre -sale funds must be included Regulatory accounts are responsible for supervision by regulatory agencies to ensure that pre -sale funds are used for construction of commercial housing projects.

It should be noted that even if the supervision is continuously strengthened, there are still rotten buildings in some places.

"It is mainly caused by the lack of power and responsibility, and the lack of supervision and punishment." Liu Xinyuan said that the pre -sale fund supervision has clear regulations on the requirements of legal norms, but in the actual implementation For review, some administrative regulatory departments even participating in pre -sale funds and other behaviors will cause pre -sale funds to supervise the strict implementation, and then infringe the interests of buyers, leading to the emergence of rotten tail buildings.

Although the densely introduced policies in various places refer to the "keeping the building and preventing bad tails", the experts interviewed believed that pre -sale funds supervision still needs to be further optimized and implemented.

"To improve the process of implementation and further clarify responsibilities." Xie Lianghong, deputy director of the Institute of Emerging Economic Industry Research Institute of China Institute of Management Sciences, told reporters that first of all, the specific responsibilities of all parties in the supervision process should be clearly divided, not as the current this is the current one. Like the problem, everyone "kick the ball" and cannot find the specific responsible person. Secondly, it is necessary to clarify the specific rules of the supervision funds, that is, under the special circumstances, it can be used instead of "one -size -fits -all". Third, the supervision funds are linked to the issuance of the pre -sale certificate. Once illegal operations occur, the government can suspend issuing the pre -sale certificate of the enterprise and truly play a constraint. Finally, to fully mobilize the enthusiasm of the masses and owners. Recently, some places may provide a reference, that is, the government departments will uniformly disclose the supervision funds accounts of all local developers, so that everyone can master the situation of supervision funds at any time and participate in supervision. "It is recommended to introduce a market -oriented mechanism to introduce the insurance industry into real estate. Specifically, buyers of pre -sale housing need to purchase 'guarantee of payment of the property." Zhao Ran, a lawyer of Beijing Yingke (Shanghai) Law Firm, told reporters.

Zhao Ran believes that insurance capital is involved in supervision, introduced real estate real estate of "insurance payment insurance", pre -sale money supervision of houses, and insurance expenses are deposited in the special account designated by insurance companies. Improved, the account was checked regularly by the insurance company to publicize the owners who purchased the "insurance transit insurance" to form a strong supervision model of "regulatory agency+insurance company+owner". Compensation, forming a new type of pre -sale fund supervision model combined with the combination of power, responsibility, and punishment system. You can also use the "insurance transit" as a new benchmark for real estate whether the real estate can be purchased. The insurance company and the developer signed the corresponding contract and bundled the sales of the insurance property insurance in the sales office. Liability, at the same time, can also solve the problem that the owners of the bad tail building cannot obtain compensation, so that the purchaser to regain confidence.

Supervisory needs to be rigid and soft

"It should also be noted that some special reasons. This year, some housing companies are facing huge funds for the fuse of the problem of rotten tail buildings. In order to relieve the pressure, they choose to draw the funds of some project companies to the headquarters." Yan Yuejin said.

The reporter noticed that since this year, nearly 30 places such as Nanjing, Chengdu, Haikou and other places have successively relaxed pre -sale funds supervision, including reducing the proportion of key supervision funds, increasing the allocation node of key supervision funds, increasing the proportion of key supervision funds, and withdrawal pre -withdrawal advance pre -withdrawal Sell ​​supervision funds and other content. It aims to improve the efficiency of pre -sale funds, and then improve the liquidity of housing enterprises.

However, with the tightening of pre -sale funds in various places, the requirements such as "the mortgage loan after the real estate is capped" may put more pressure on the capital chain of some real estate companies.

"At present, the strategy of rigidity and softness must be adopted. The supervision must be strict, but the stricter effect is. While strong supervision, it is necessary to ensure that the pre -sale funds can be accelerated to the real estate development enterprise, making the project funds more abundant . In terms of funds, some more convenient policies must be introduced to truly use funds for the process of protecting the property, rather than becoming a precipitation. "Yan Yuejin told reporters.

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