This article is from WeChat public account: Mi House (ID: MizhaiPlus) , author: peak back

Everyone hopes that life will be better tomorrow.

But tomorrow and accident, you never know which one comes first!

New coronary pneumonia in early 2020, Tianjin Port Big Bang in August 2015, Wenchuan earthquake in May 2008 …

Like the evil wolf spied in the dark night, all kinds of completely unpredictable black swan incidents have caught people by surprise, disrupted our daily life rhythm and even caused major losses to everyone’s lives and property.

In the face of these natural disasters and irresistible events, what can we do in the house where we live?

What kind of help will the state and society provide for mortgages, collapses, damages?

The author has collected several major events in recent years, and provides convenient follow-up measures such as real estate for your reference.

I. New Crown Pneumonia

Maybe no one can think that one day, staying at home behind closed doors, eating and drinking at home, and lying every day, Ge You will make a great contribution to the country!

At present, the epidemic is still spreading. Is it that the small friends who are closed at home are getting more and more anxious: Will the boss make money every day without work? The whole family has to eat, the most important thing is that the mortgage is about to expire!

In response to a special period of emergency, on February 1st, the central bank, in conjunction with the Ministry of Finance, the Banking and Insurance Regulatory Commission, the Securities and Exchange Commission, and the Foreign Exchange Bureau: issued a “Notice on Further Strengthening Financial Support for the Prevention and Control of Pneumonia of New Coronavirus Infection” < / p>

The fourth mentions:

Financial institutions shall grant credit policies to those who are hospitalized or quarantined due to infection with new pneumonia, those who need to be quarantined for epidemic prevention and control, those who participate in the epidemic prevention and control, and those who have temporarily lost their income source affected by the epidemic. Appropriate tilt, flexible adjustment of personal loan repayment arrangements such as housing mortgages and credit cards, and reasonable repayment of the repayment period.

In this way, whether it is a person directly affected by the new crown pneumonia epidemic or a mortgage loan group who has temporarily lost their income due to the epidemic, they can breathe a sigh of relief, and will not affect themselves because of this major security incident. Bank credit.

There are a few things to note for the majority of home buyers:

1. The contents of the notices of the ministries and commissions this time are just adjustments … personal credit repayment arrangements and reasonable repayment of the repayment period.

In terms of repayment time, give preferential policy.

There is absolutely no tone, saying that there is a meaning of mortgage loan reduction. Don’t make up your mind and do those “dreams of one month mortgage reduction by the country.”

Pan Gongsheng, deputy governor of the People ’s Bank of China, further explained in an interview with the “Notice on Further Strengthening Financial Support for Prevention and Control of Pneumonia of New Coronavirus Infection”:

If the repayment is overdue in a timely manner, it will not be included in the credit investigation. There is also no mention of mortgage relief.

2. The notice said that the appropriate reduction of loan interest rates will more support the business development of related enterprises, especially small and micro enterprises.

For home buyers who have issued loans, the loan interest rate has been determined, and the entire repayment cycle is based on the loan contract, which is difficult to change.

For home buyers who have not issued a loan, the loan interest rate has been based on the LPR benchmark interest rate + the pricing base added by each bank. At present, the short-term mortgage interest rate is mainly stable, and will not change drastically.

Aiming at the problem of how to delay the repayment of the mortgage, we recently consulted some bank telephone customer service, and the feedback results are as follows:

Obviously, banks have basically implemented the provisions of the central bank, and their basic policies have been implemented in services such as credit repair and mortgage extension.

Natural disasters and human calamities, this new type of pneumonia in Wuhan is a typical human calamity.

It only hurts people, it doesn’t hurt the house where everyone lives.

This is why, after such a major epidemic, banks will extend repayments to lenders.

For most ordinary people, life will basically return to normal for a maximum of two months a month.

Work to earn money, move bricks to work,Work hard and save money is the business.

So what will happen to our house if a natural disaster occurs? Still paying off the mortgage?

Second, Wenchuan Earthquake

The Wenchuan earthquake in May 2008 caused a direct economic loss of 845.1 billion yuan, killing 68,858 people, leaving millions homeless and displaced.

The house has collapsed. Will the mortgage be repaid? This was the concern of many survivors in the disaster area at the time.

For this reason, the country issued successive notifications and made careful arrangements for the financial policy of the Wenchuan earthquake.

On May 19, 2008, the Central Bank and the China Banking Regulatory Commission issued the “Emergency Notice on Doing a Good Job in Financial Services in the Earthquake-Affected Areas”, requiring banks to take full account of the actual difficulties of the people and enterprises in the affected areas, Units and individuals who repay all types of loans on time, do not collect collections, pay no interest, and do not make bad records.

On May 23, 2008, the China Banking Regulatory Commission issued the “Urgent Notice on Doing a Good Job in Debt Loans in the Banking Industry Caused by the Sichuan Wenchuan Earthquake”, requiring borrowers to suffer huge losses and fail to obtain insurance compensation due to the earthquake. , Or debts that cannot be repaid after recovery with insurance compensation or guarantees shall be identified as bad debts and written off in a timely manner.

Therefore, the banks of the people affected by the earthquake in Wenchuan did not collect and levy interest, did not pay interest, and did not make bad records.

If the mortgaged house purchases property insurance, the bank can get the insurance company’s compensation. If the insurance is not purchased or the insurance compensation is insufficient, the remaining banks will be written off as bad debts.

At the same time, it does not affect the buyers to refinance the loan, which solves the worries of many buyers at the time.

There is warmth after the disaster. This measure of the government has provided more sufficient guarantee for the better life of the affected people in the future!

Three, Tianjin Port Big Bang

The Wenchuan earthquake caused the houses to collapse, leaving no one to live.

If the house is partially damaged, what is the corresponding treatment method?

After the Tianjin Port Big Bang in August 2015, there were at least 11 residential quarters within a radius of 2.5 kilometers from the center of the explosion, including Vanke Harbour City Phase 1, 2 and 3, CCCC Kaihang Jiayuan, Hesheng Junjing Bay, Tianbin Apartments, Ruida Apartment, Vantone New City International, Ruiga Apartment, Tianbao Gold Coast, Vanke Golden Mile Blue Bay, Banjingwan Homes, etc., involve many major developers such as Vanke, Hesheng, Wantong, CCCC, TEDA, The residents are around 70,000.

In theory, Ruihai should be the main party responsible for the accident and should bear the entire loss of the owner.

But Ruihai Company cannot afford such a huge loss.

No matter in time or amount of compensation, it is foreseeable that under the prevailing conditions, every victim cannot obtain satisfactory compensation.

▲ Residents ask the government to repurchase damaged houses

While the anxious waiting of the surrounding residents, the local government and real estate development enterprises have formulated corresponding residential disposal methods in order to restore the residents’ living order as soon as possible:

The specific disposal is divided into three methods: acquisition, repair compensation and disposal of sold and undelivered houses.

Acquisition method: If the resident voluntarily sells the damaged house, the members of the Real Estate Enterprise Social Responsibility Alliance will purchase it. The price shall be determined based on the principle of the highest price according to the market assessment price before the residential accident or the residential purchase price. Beyond the priceTaking all factors into consideration, a certain percentage of compensation will be given by the compensation department. It is usually 1.3 times the purchase price.

Compensation for repairs: The government will organize free repairs to damaged residential windows and public places. The price shall be determined based on the principle of the highest price according to the market assessment price before the residential accident or the residential purchase price. Based on this price, various factors are comprehensively considered, and a certain percentage of compensation will be given by the compensation department.

Disposal methods of sold and undelivered houses: Both the contract and the check-out method can be continued, and a certain percentage of the resettlement fee will be given according to the contract amount.

The most important feature of the housing problem of the Tianjin Big Bang is that the government has come forward and the housing-enterprise alliance has led.

According to the different loss situations of the owners, different compensation schemes are given to make them more humane, rational and scientific.

Fourth, summary

Through the above examples, we can see that the government has different plans for how to deal with different types of major disasters.

A brief explanation here.

In theory, it is the statutory obligation of the borrower to return the loan on time and in full. No matter what happens, as long as it does not need to be specially dealt with in the loan contract, the borrower must repay the loan on time as long as the loan relationship exists.

I have seen some similar questions, such as “borrowers are unemployed, can they negotiate with the bank to delay repayment”, “borrowers are sick, can they negotiate with the bank to delay repayment”, “borrowers are in jail, credit cards and loans What to do “and so on, the results are the same.

This is a personal reason and has nothing to do with the bank. You can discuss it with the bank as appropriate, but it is usually better to help family members or friends to repay it, or it is really insolvent to conduct a judicial auction through the bank.

Therefore, there is no legally necessary relationship between repaying a loan on time and whether there is an earthquake. Even if the house used as the mortgage for the mortgage is lost in the disaster, the loan must be repaid normally.

However, specific situations are analyzed. Under the general principle of acting according to the contract, special situations will also have special humane treatment.

Like the Wenchuan earthquake in 2008, a series of policies for reducing taxes were introduced immediately.

This new type of pneumonia is just that the lender was harmed and the house was not damaged.The central bank implemented policies such as delaying the repayment period.

Water and fire lovers are affectionate!

The enlightenment of the last epidemic disaster has given us:

1. Choose a good city to settle

2. Own a house of your own

3. Buy a car

4. Living with family

5. Exercise

6. Work hard and improve yourself

The epidemic is still going on, let’s work together!

This article is from WeChat public account: Mi House (ID: MizhaiPlus) , author: peak back