Not a loan, we will have nothing

Not a loan, we would have nothing
Li Xiuping

The following script
Background paper:
   This is I wrote an article in 2004, was my friends think is to write home more "classical" article.
   Why the "classic"? Because I am a loan to buy a house people, up to 390000 yuan provident fund loans at the time as a case!
   In this article (actually a set of relatively long) -- "mortgage" buy a house "history, three people and four strong industry", "not a loan, we will have nothing at all", I managed to interview within two months, can be considered the "bomb" this group of articles, to write.
   These few days, three young people buy a house loan my unit, looked at the expression of pain for them, and reminded me of the loans that cannot bear to think of the past memories, look at them, my eyes are pity --
  "The teacher, I this month he just got no muggy, made loans to the insurance, but the insurance is no use at all, to use it, extremely harsh conditions, however, you have to pay, is mandatory." A home in the field, to work near the girl said to me.
   Another girl said: "Miss Li, my month rent and mortgage will be more than 3000 block. Sometimes, I really don't want to write the story, however, the thought of writing can be a little money to pay for the house, he crustily skin of head to write." She bought forward delivery housing loans, in rent rent, pay the loans into the forward delivery housing xianfang.
   Flexor calculation, US Department of 12 people, 7 people, in recent years the loan to buy a house and two to buy or not to buy, only 3 people are on their own or their parents paid the full price to buy the house. The house, in a sense is our heart.
   So, my friend suggested I, send this article to take out loans aftertaste. Because, after two years, nothing changes, especially the loan to buy a house people's anger, distress and octanoic acid!

- above italicized

The morning of August 6, 2004, I was with Lin Hao and his wife went to the Beijing branch of China Construction Bank Jinsong branch. They are to advance housing loans.
The door opened, Mr. Lin couple with the flow of people to handle the mortgage business of No. 4 and No. 5 window.
In the first row of window 4 is a family of 3, they are surrounded by a holding a lot of cash bag, tells the bank clerk: "we advance owing on the loan". The second is a middle-aged women, she stood on tiptoe in counseling: "I was turning, the loan is the provident fund, I pay down, not a loan, I want to make loans to the son to have, okay?" The salesman gave her a telephone, let her to the Beijing branch of China Construction Bank information.
Mr. Lin ranked third. He shuttle in several windows for early repayment procedures, white haired old man in the row behind him on the bank said: "I'm clearing account." The old man was a man and a woman two young people to act as escort. "How many left?" The reporter asked female escort. "80000, the interest is too high, to collect, also." She answered.
Previously, a reporter from the bank insiders department was informed, now buy a house loan people, two conditions: one is the most advance owing on the loan, the other is not a loan.
"Is not a loan more?" The reporter asked the 4 window of staff. "Much is." Replied the young man.
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Not a loan, "nothing"
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What borrow loans, but also can not afford? Why?
In Jingwei law firm, the reporter found the answer.
The Qu Shulan lawyer now exclusively and not from the mortgage people. She has a very important job: constantly call!
Crooked lawyers call to those owing on the loan out of the question. For 3 months or 6 months is not in accordance with the provisions of the date of repayment, crooked lawyers they call "overdue".
The bank now do business loans, some commercial loans, provident fund loans is a part of. Curved bar boss Zhang Zhenbao said: "commercial loans is a bank to use its own funds to lend, provident fund loans is the provident fund management center commissioned by the bank to lend. The two part of the loan, in the face of the group is not the same, problems are not the same."
Jingwei law firm in Beijing more than 100 real estate loans. This let Zhang Zhenbao draw a conclusion: "borrow commercial loans this part of the crowd is mainly the city and the field to Beijing's boss, white-collar workers, they bought the house is good, the price is high, repayment ability is strong, so, commercial loan problem relatively less. The main object of provident fund lending is to rebuild, housing reform, the group's income is relatively low, and some even have no income. Loans, some people are just provide a proof that the repayment ability of proof -- one one, bank loans also lack experience, risk awareness is not strong, is now buried a lot of hidden trouble. So, the provident fund can not repay on time is more and more."
Because of the loan has not yet more problems, the Beijing provident fund management institutions obviously felt the pressure. In 2002, the agency to find Wang Yiling in charge of Beijing Jingwei law firm, hope the other party to handle this transaction. Think twice, "Jingwei" took the business.
"At present, we each month five hundred or six hundred Dunning case. Is not a loan, a poor place, place mainly in Beijing." Like the song lawyer, Yue law also in specific "overdue" business. She said: "we are the problem. Before the lawsuit, five hundred or six hundred case, really go to court that step is dozens of."
Because of the number of arrears accumulation fund loan factors such as more, "Jingwei" for the provident fund business personnel of a lot more than commercial loans. Although the "provident fund loans is a contractual relationship, but because it involves the national housing policy, we take compulsory means to provident fund borrowers will not." Zhang Zhenbao said. The loan has not yet the poor, their means and even soft as: try to help them to think of some way, for example, the extension of the loan period, reduce the monthly repayment, or to rent out the house.
In the processing of commercial loans, the bank means is simple, often simply to sell the house.
Really go to court this step, the banks recover the house after. To deal with the house in three ways: protocol, sale, auction. The house into cash, Bank of his own interest to buy a house away, the rest of the people.
The "next" to enjoy the policy of reconstruction of buy a house means what? "The auction is to buy a house when the cost of shooting, plus depreciation, under normal circumstances, basic does not leave what money." Zhang Zhenbao express volumes to say.
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The debt, "good" and "bad"
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"Jingwei" Yue lawyer said: "the original bank loans to the public, all of a sudden lent several billion, now thousands of people may be less than one hundred million. Such a large group, different problems." "People are separated by" and "mobile phone often change", simply can not find people, let Yue law.
Qu Shulan lawyers with "all kinds of" to describe her encounter in the Dunning when question: "can not find people of many, as he left the phone call in the past, some units said 'no one', 'he said some of our customers', some phone through the other tenants, some people has been dead for several years, some mobile phone a dozen is...... A man after 19 months without repayment, not easy to find him, he said, 'I am on the train trip, my son to go abroad, I don't know if he took my bank card on which, he came back after I put all the money to pay the'." She noted, a period of SARS, some industries affected, like reducing the taxi driver, the teacher's income, will affect the mortgage.
Yue law "overdue" is not also loans are divided into "good" and "bad" two. "I met in the work, as if a good." Yue lawyer and said.
Starting from the borrower itself, Yue law to goodwill arrears situation summarized as: some of my economic conditions change, such as the laid-off, unemployed; some changes in family, such as divorce, change the property, also relates to the property to the segmentation, who also loan problem and dead; etc..
There is also a situation because of the emergence of the housing quality disputes, the borrower will not loan. Several times, "Jingwei" lawyers call loans, borrowers said: "the house has quality problems, is gone." Only know that buy a house because the house of quality is not good lawyers, have for the developers to the.
"Because the housing quality disputes step repayment of many. The borrower does not understand owing on the loan money to banks, that is for developers. You don't solve the quality problem, I can't pay back the money." Zhang Zhenbao said. He believes that this is because buy a house people do not understand the legal relationship of credit caused.
Lawyers work immediately very difficult: the house has been changed, the loan contract is also established. Zhang Zhenbao sighs: "developers once the money back to buy a house of personal, bank engages in a lawsuit, because the house no longer exists, the money is not necessarily have to come back."
Such things much more experienced, they found that the problem lies in the developers who. A housing quality disputes, some developers to buy a house said: "we lift the loan contract, the first payment from you on the line, the loan you not, I for you." In fact, this is the purchase contract, developers are still make people buy a house loan in the bank's low interest housing. Until developers also can not afford it, the problem was exposed.
In addition, the developers did not on time to buy a house hold property permits, property disputes occur, also affect the repayment.
"Buy a house people always put the house purchase loans and mix together. We told him about the deep, he did not understand, speak shallow said don't understand. In conclusion, increased the difficulty of this invisible dunning." Yue lawyer said.
There is also a case after the loan to buy a house, some people to rent the house to rent a house, people also repayment, but often later tenants will not repay on schedule. Find the landlord, but he said. This is the housing lease disputes, has affected owing on the loan. "In fact, lending relationship is very simple, but with these things on the complex." Yue lawyer said.
"Malicious" is also all kinds of. "Some people have no reason, is not the repayment." Zhang Zhenbao said. "Jingwei" push overdue repayment lawyers know some Beijing city law enforcement agencies a cadre story: he also sent 19000 loans, how can I make a phone call is not also, later, the lawyer found his unit to explain the situation, he just repayment. The money, the lawyers after more than a year.
There are many "piandai." Zhang Zhenbao (deputy director of law firm said latitude). The name "Jingwei" lawyers have encountered some units to give workers cover dormitory, in the name of workers loans, loans for the other case.
Reporter in the interview found, in the process of collection of lawyers, banks in the mortgage business at the beginning of the promotion review lax problem has been completely unmasked. Zhang Zhenbao lawyers said: "at the outset, financial institutions lending, had entrusted some social agents. Some borrowers said his unit not provident fund, the agency to find him a unit, a provident fund account. A bank loan."
There is a bank mortgage procedures incomplete -- not Banchanquanzheng the mortgage formalities, others drilling the loopholes, to sell the house. His loan, and sold the house. His business is legally established, bank loss irreparable. This is the pre loan review lax cause problems.
To push these "good" or "bad" in arrears, the lawyers work very hard. "Jingwei" lawyers hope, not far in the future, to establish an authoritative, the legitimate use of personal information database. "At that time, we can greatly reduce the work difficulty." Zhang Zhenbao said.
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Banks do not give the borrower
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"Overdue Jingwei" lawyers said, banks have problems.
A while ago, "matching principal" and "matching service" two repayment methods fry raise a Babel of criticism of. A typical view is: the bank did not inform, to occupy the borrower interest. "Such is not the fact, is the bank's software had to design a way of repayment." Yue lawyer said. She said, in the loan process, the bank also exists the problem of software.
After the lending relationship is established, has a fixed date from the account, the bank every month. Once in the day of account does not have the money, the bank's computer will automatically recorded as overdue. Many borrowers do not know the day is so important, think the money can also be. However, because the computer is not a human brain, as long as there is a not to transfer money, banks must calculate the penalty, it is not as long as the interest problem "smooth", you save more money into the account after it is not money, the results of a month cumulative, became overdue.
After the bank took the money, and don't give the borrower the receipt, the majority of borrowers don't know repayment.
Once, song Shulan lawyers call a borrower: "you have 6 months did not pay back the money." The other very surprised: "I saved a lot of money which card! There are many which,." Go to a bank check account, he asked: "my song lawyer card money didn't pull away?" The lawyer asked him, you Is it right? Had expired, you have been late, a few days you don't feel what, but, these days there are penalties, you lose a cent not banks, it will not give you row.
In this case, the lawyer for the borrower. Will tell them: "you get the money to, for 3 consecutive months, a total of 6 months, the bank is going to sue you." Nice little said: "you freak who? Do you have one?!" "He is not money, but also impose a punitive interest, you lawyers say justice?" The lawyers know, at this point, do have a problem bank, for the bank work at the same time for banks to be bullied.
So as not to conflict, "Jingwei" arranged some older lawyers to do the collection work.
This situation again, "Jingwei" lawyers to the bank advice, let the bank every month increased two times cross section. Now, Beijing's banking system has adopted the rationalization proposals. In this way, like some people travel, a few days later to money in the account, you won't get into the "overdue" the upper part of the body.
According to "the warp" lawyers, banks have been standard practice. For example, the provident fund loan borrowers provident fund deposit amount estimation of your monthly income, and after you account for 6 months, will consider offering the loan for you.
But, as everyone may be "potentially buy a house person" era, new problems will emerge in an endless stream.
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Advice: buy a house rental unsafe fought
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In an interview with me, fought lawyers want to harm consumers consumption should have expected. Now housing the longest period of up to 30 years, and he believes that with the number of young people now buy a house loan into old age, not a loan will be more and more people.
Therefore, he borrowed the machine accepts a reporter to interview, puts forward some advice to consumers --
Don't buy a house rental security!
Some people buy a house loan, and through the rental profits, after the housing rental price is more and more low, profit also more and more low. When people buy a house for rent is not sufficient to pay bank interest, there will be "bankruptcy". For example, Beijing Wangfujing houses had sold 48000 / square meters, now down to 12000 / sq m, 48000 payments but constant. Some people ran away, not the repayment, the house is not.