"I was diagnosed with a missing heart artery valve, my husband had a cerebral infarction, and he really couldn't afford the loan..."
Ms. Liu is a native of Songyuan, and her husband came to Changchun to work, their children went to school in Changchun, they have always longed to have a "nest" of their own, she took a house located in the third phase of Wanlong International City, Kuancheng District, Changchun City, and signed a house purchase agreement with the developer in March 2021, and delivered the house on September 30, 2021.
Ms. Liu signed a down payment installment agreement with the developer
"I signed a down payment installment agreement with the developer, repaid the loan once every six months, repaid 22,400 yuan each time, and made my first down payment on May 19, 2021." Ms. Liu said she and her husband both worked and earned 7,000 yuan a month and could afford a loan.
However, unfortunately, in August 2021, Ms. Liu was found to be missing heart artery valves, unable to do heavy work, and lost her job, and in November of the same year, Ms. Liu's husband also suffered from cerebral infarction, lost the ability to work, and the second down payment that should have been repaid on November 19 was not repaid. Ms. Liu found the developer to explain the situation, hoping to be able to postpone the financing period, and pay it back when she has money, Ms. Liu wrote a repayment agreement and promised to return the money before May 30, 2022, but now the developer does not recognize this agreement and chases After Ms. Liu for the money.
Ms. Liu provided the diagnostic reports of the two men
"Now my husband and I are unemployed, my condition needs surgery, the cost is more than 100,000, because the operation can not afford, has been standing up, we both have no ability to work, every month have to repay the bank loan 3037 yuan, and there is a 13-year-old child, really can not afford." 」 Ms. Liu hopes to return the house.
Ms. Liu said that during this period, she also inquired around and found that there was a provision of the state, the "Notice on Regulating The Financing of Housing Purchases and Strengthening anti-money laundering" issued by the Ministry of Housing and Urban-Rural Development: it is strictly forbidden to provide "down payment loans" and other housing financing in violation of the law, and real estate development enterprises and real estate intermediary institutions are not allowed to advance the down payment for the buyers or take other forms such as down payment installments.
Ms. Liu took the provisions to negotiate with the sales office personnel, but the other party did not approve, saying that it could only be sold in the form of second-hand houses, and Ms. Liu did not agree. She went to the property office again, but there was no news.
On February 14, 2022, Huashang Daily-Ersanli Information contacted Yang Supervisor of the Sales Office of Wanlong International City, who said: "Ms. Liu has contacted us several times, and we have also given a method of negotiating a solution, she does not agree, and the house has been purchased. All turnkey, all the obligations we should perform according to the commodity sale contract have been fulfilled, Ms. Liu is a major change in her family, I hope the developer will take back the house, but the specific details have not been negotiated, and now she is taking the judicial process. ”
Huashang Bao-Ersanli Information contacted the Changchun Municipal Housing Management Bureau, the staff said: "The house has been handed over, we also interviewed the developer, but the specific situation I do not know, the petition is responsible for a special person, colleagues went out today." ”
Source: Two or three miles