房产预售(房产预售许可证条件)

May 5, 2024

我不是经济学家，也不是房地产专家。下面只是肤浅的想法，欢迎交流。

从许公子这个案子，我想有几个想法：

1、房产预售制怎么来的？

不管哪行哪业，都是先做好产品，然后买产品挣钱吧？

比如，最简单的事，菜市场买菜，先问价钱或者不问价钱，称好了，算好了，付了钱，才能把菜拿走。

生活当中，不管买什么，都是一手交货，一手交钱，对吧，这是常识。

哪为什么房子这个上百万，几百万，甚至上千万的物品，房子还没有造好，甚至只是建了个门，就要购房者先交钱，还要先交一部分现金，然后每个月还要还贷款呢？

房产可是比菜、比衣服、比油盐酱醋贵得不知道多少了？

怎么可以先交钱再拿货呢？

那么当初设置这个违反生活常识的房产预售制，谁提议的呢?

有人说当初设置的时候，要有银行监督，专款专用。

那么银行起到监督作用了吗？显然没有。

那银行在许公子这个案子中该承担什么责任呢？

最可怜的是购房者，房子烂尾了，还要还贷款。

买菜都要一手交钱一手交货。那房子烂尾了，不应该停止交贷款吗？而且之前交的首付和贷款应该还给购房者才对，因为货物没有了。

我最大的一个疑问也是最重要的疑问，既然房产公司造房子没有钱，为什么房产公司不自己直接跟银行借钱，把房子造好了，现房卖给购房者呢？

因为，这样购房者还可以检查房子的质量，质量好就买、不好就不买，还促进房产公司保证房子质量，互相竞争，造出更好的房子。

为什么要让购房者从银行借钱给房产公司，造好了再卖给自己？房子烂尾怎么办？房子质量不好怎么办？购房者的权利怎么保证？

那么当初没有人提出这些问题吗？还是怎么回事呢？

有人也许会说，你这是事后诸葛亮、马后炮。

那好，我们现在不应该检讨要不要修改这个预售制吗？检讨了吗？什么时候检讨呢？

让房产公司直接跟银行借钱，造好了房子卖给购房者，房产公司再把钱还给银行。其他企业也是这样吧？比如，造汽车的，造手机的，应该都是自己跟银行借钱造汽车、手机卖出去，不会让买手机的买汽车的跟银行借钱吧？就算让购买者贷款，至少还有汽车、手机实物在，有实物抵押的。房子预售制，有的只是圈了个地就开始卖了。

那么提出房产预售制的、讨论房产预售制的、批准房产预售制的专家没有想到吗？没有我聪明吗？没有我厉害吗？显然不是，那是什么回事呢？

2、许公子那么多钱是怎么弄到国外的

听说个人出国，最多只能携带20000元现金，那许公子弄到国外到底多少钱？查清楚了吗？肯定不止20000元吧？那么怎么弄出去的，银行有没有责任？承担多少责任？要不要对购房者赔偿？

3、最后，我在想，许公子溃败了2.5万亿，仅仅是许公子一个人的问题吗？仅仅是许公子人品问题吗？

这个事情必须给那么多可怜的购房者一个交代。

就算亡羊补牢，那也要亡羊补牢吧。

I am not an economist or a real estate expert. Here are just superficial （adj. 表面（上）的；肤浅的，缺乏深度的；一知半解的）ideas, welcome to communicate.

From the case of Prince Xu, I think I have several ideas:

How does the real estate pre-sale system come from?

No matter which line which industry, is to make the product first, and then buy the product to make money?

For example, the simplest thing, to buy food in the vegetable market, first ask the price or do not ask the price, say good, calculate good, pay the money, to take away the food.

In life, no matter what to buy, it is a hand delivery, pay, right, this is common sense.

Why the house this millions, even tens of millions of goods,The house has not been built yet ，even just built a door, to the buyers to pay money, but also pay part of the cash, and then every month to pay the loan?

Property is more expensivethan vegetables, clothes, oil, salt, sauce and vinegar do not know how much?

How can you pay for it before you get it?

So at the beginning of this violation of life common sense of real estate pre-sale system, who proposed?

Some people say that when the original set, there should be bank supervision, special funds.

So are the banks supervise? Obviously no.

What responsibility should the bank bear in this case?

The most pitiful is the buyers, the house is rotten, but also the loan.

Buy vegetables to pay hand over hand delivery. The house sucks, shouldn't it stop paying the loan? And the previous down payment and loan should be returned to the buyer, because the goods are gone.

My biggest question is also the most important question, since the real estate company to build a house without money, why the real estate company does not directly borrow money from the bank, the house built, the existing house sold to the buyers?

Because, so buyers can also check the quality of the house, the quality is good to buy, bad not to buy, but also promote real estate companies to ensure the quality of the house, compete with each other, build a better house.

Why should let the home buyer borrow money from the bank to the real estate company, built good and then sell to oneself? How about the house rot? How about the poor quality of the house? How to guarantee the rights of home buyers?

So no one ever raised these questions? Or what is going on?

Some people may say that you are thinking in hindsight.

Well, shouldn't we review whether to modify the pre-sale system now? Have you reviewed it? When will we review it?

Let the real estate company directly borrow money from the bank, build a good house to sell to the buyers, the real estate company to return the money to the bank. Is it the same for other companies? For example, those who build cars and mobile phones should borrow money from the bank to build cars and sell their mobile phones. They will not let those who buy mobile phone cars borrow money from the bank,right? Even if the buyer loan, at least there is a car, mobile phone in the physical, there is a physical mortgage. House pre-sale system, some just a circle of a land began to sell.

So put forward the real estate pre-sale system, discuss the real estate pre-sale system, approved the real estate pre-sale system of experts did not think of it? Not smart without me? Isn't that as good as me? Obviously not. What's that?

How did Prince Xu get so much money abroad

Heard individual go abroad, can carry 20000 yuan cash at most, that xu childe get abroad how much money? Is it clear? Must be more than 20,000 yuan? So how to get it out, is the bank responsible? How much responsibility? Should I compensate for the home buyer?

Finally, I was thinking,

【讯驰微头条】

人生就是一场修行，需要志同道合的朋友，才不会孤单；

人生也是一场单程旅行，不能为了追求结果而错过了旅途的风景。

如果自认为很聪敏，为什么又口袋空空？

我们需要的不是说，而是做，坚持做正确的事。

都说人生如梦又说人生如戏，其实人生是血和泪还有屈辱写成的。

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