Ningbo man bought ten million villa contract after the mortgage Banbuxialai-reshacker

Ningbo man bought ten million villa contract after the mortgage Banbuxialai Ningbo Chen (a pseudonym) 6 years ago bought a villa worth tens of millions, but unfortunately, not long after signing the contract, the purchase of the policy on the introduction. The villa mortgage failed to run down, the contract has not been fulfilled. Things deadlocked for more than 4 years, developers will be Mr. Chen to court, asked him to continue to perform the contract, and pay the penalty. A case after the trial, the Ningbo intermediate people’s court ruling on the case recently. The contract after the mortgage Banbuxialai 2010, Mr. Chen took a fancy to a villa in the Jiangbei, worth more than ten million yuan. In April of the same year, he signed the contract, pay about 4000000 yuan Shoufu, the rest of the purchase of about 10000000 yuan to pay the way of mortgage. Sign the contract at the same time, Mr. Chen to the developers issued a letter of commitment, commitment to this villa is his "first suite", for a 30% down payment for the mortgage, but if Shoufu cannot lend, he will make up the down payment, the bank loan in a timely manner. But in fact, this villa is not Mr. Chen’s first house, then his name has another two sets of real estate. Developers said, because of this undertaking, both parties Shoufu, down to 30%. The same year the property market continued unpopular. In July 2010, Ningbo city issued a "country of five" purchase policy, the banks will require two suites Shoufu to 50%, three suites can suspend the issuance of mortgage loans or increase Shoufu and interest. In October of the same year, the policy to stop the third mortgage. Mr. Chen villa mortgage failed to run down. Although the contract, the remaining 1629 should be paid before November 5, 2010, otherwise it shall be the day to pay 5/10000 of the total housing fund liquidated damages, but Mr. Chen has not paid the balance. Developers have written notice, are not the result of things, stood there. During this period, prices of ups and downs, is no longer a high in 2010. Developers continue to perform the contract at the end of 2014, developers will be Mr. Chen to court, requesting the court to order Mr. Chen to pay more than 1000 yuan to buy a house and more than 800 yuan of liquidated damages. Mr. Chen said, do not mortgage the responsibility is not in him, "according to the sale of commercial housing trading habits, identify and contact mortgage banks by the developers responsible for the purchase, as long as the availability of information to the developers, banks do not accept buyers personal mortgage loan procedures." He paid the down payment, mortgage data submitted after it has completed the obligations stipulated in the purchase contract, the remaining mortgage matters shall be completed by the developer. Originally in five countries before the introduction, he can handle the mortgage, the developer has not completed mortgage loan procedures for him, until the "country of five", which leads him to be included in the "control", in breach of contract developers. To this end, Mr. Chen counterfiled, for the lifting of the purchase contract, paid about 4000000 yuan to return the purchase of the first payment. To Mr. Chen’s counterclaim, developers said that the mortgage obligation is the buyers, not the developers, developers only build houses and for duty.

宁波男子买千万别墅 合同签好后按揭办不下来   宁波的陈先生(化名)6年前买了一套价值千万的别墅,但不巧的是,签完合同没多久,限购政策就出台了。别墅的按揭最终未能办下来,合同也一直没有履行完毕。事情僵持了4年多,开发商将陈先生告上法庭,要求他继续履行合同,并支付相应的违约金。案子经过一审二审,最近宁波中院判决此案。   合同签好后按揭办不下来了   2010年,陈先生在江北看中了一套别墅,价值逾千万元。同年4月,他签完合同,交了400多万元的首付,剩下的1000多万元的购房款打算以按揭的方式付清。   签合同的同时,陈先生向开发商出具一份承诺书,承诺这套别墅是他的“首套房”,以便以三成首付办理按揭,但如果因首付问题无法放贷,他还要补足首付,使银行及时放款。   但实际上,这套别墅并非陈先生的首套房屋,彼时他名下还有另外两套房产。开发商称,正因为这份承诺书,双方协商的首付,降到了30%。   同年楼市持续火爆。2010年7月,宁波市出台了“国五条”的限购政策,要求各家银行将二套房的首付提高到50%,三套房可暂停发放按揭贷款或是大幅提高首付和利息。同年10月,政策停止了对第三套房的贷款。   陈先生别墅的按揭最终没能办下来。   虽然合同约定,剩余房款应在2010年11月5日之前付清,否则须按日支付总房款万分之五的违约金,但余款陈先生一直未付。开发商多次书面催讨,都没有结果,事情僵在那里。在这期间,房价起起伏伏,已不复2010年的高位。   开发商要求继续履行合同   2014年底,开发商将陈先生告上法庭,请求法院判令陈先生支付1000余万元的购房款和800余万元的违约金。   陈先生称,办不出按揭的责任并不在他,“根据商品房买卖的交易习惯,确定和联系按揭银行均由开发商负责,购房者只要备齐资料交给开发商即可,银行并不接受购房者个人自行办理按揭贷款手续。”他付清首付、提交按揭资料后就已经完成了购房合同约定的义务,余下办理按揭的事项应当由开发商完成。本来在“国五条”出台前,他是可以办理按揭的,开发商迟迟没有为他完成按揭贷款手续,拖到“国五条”之后,才导致他被列入“调控对象”,违约的责任在开发商。   为此,陈先生提出了反诉,要求解除购房合同,返还已付的400多万元购房首付款。   对陈先生的反诉,开发商称,按揭贷款的义务人是购房者,而不是开发商,开发商的义务只是造房子和为购房者提供担保,这两点他们都已经完成。按揭没有办下来完全是陈先生的责任,首先是因为陈先生向他们作了虚假承诺,降低了首付标准;其次,这个项目在当年7月1日结顶,到当年10月政策完全停止对第三套房的贷款之前,这段时间里即使是第三套房,如果增加首付,银行还是可以放贷的。但陈先生接到催促后,不及时增加首付,怠于履行义务,才导致了最终按揭不能发放。   法院认为是购房者的责任   对双方的争议焦点,法院认为,双方的购房合同有效。在合同履行过程中,因陈先生提供虚假的《承诺书》等原因,别墅按揭贷款未能办理,责任在陈先生本人,并非受限贷、限购、禁购等调控政策的直接影响,购房合同应继续履行。   至于陈先生提出的解除购房合同的要求,法院认为,按照最高人民法院《关于审理商品房买卖合同纠纷案件适用法律若干问题的解释》的规定:“商品房买卖合同约定,买受人以担保贷款的方式付款……因不可归责于当事人双方事由,未能订立商品房担保贷款合同并导致商品房买卖合同不能继续履行的,当事人可以请求解除合同,出卖人应当将收受的购房款本金及其利息或者定金返还买受人。”   上述规定可理解为,如果纯粹因受限贷、限购、禁购等调控政策的直接影响,合同确实无法继续履行的,可认为是属于不可归责于当事人双方的事由,当事人据此请求解除合同的,可予以支持。但很显然,别墅按揭贷款不能办理完全是陈先生的责任,并非纯粹受到限贷、限购、禁购等调控政策的直接影响;且陈先生名下3家公司,同年还出售了一套商铺,经济实力足以支付余款,也并非确实无法继续履行合同。他故意违约,单方提出解除合同的请求,法院不予支持。   最终法院判决,陈先生应支付1000余万元的购房余款,并按照同期同类银行的贷款利率的1.3倍,计算到实际履行之日的相应违约金。   什么情况下可以解除合同   很多人的疑惑是,如果不是自己的责任,纯粹因为限购、限贷、禁购政策的直接影响,是不是就可以解除合同?   其实,类似的案例在“国五条”后,2011年曾大量涌向法院,不同的是,购房者要求的并非是解除合同,而是要求返还定金,不过所依据的法律规定是一样的。   除了最高人民法院《关于审理商品房买卖合同纠纷案件适用法律若干问题的解释》的规定,2011年上半年,省高院民一庭也出台了《关于审理受房地产市场调控政策影响的房屋买卖合同纠纷案件的若干意见》,规定:“调控政策实施前订立的合同,约定以按揭贷款方式付款,现买受人举证证明其确因首付款比例提高、不能办理按揭贷款等导致无法继续履行,而请求解除合同的,可予以支持;出卖人应当将收受的购房款或者定金返还买受人。”   怎样才算“合同确实无法继续履行”,才能让法官相信属于“无力履行”的情形呢?一名资深民事法官告诉记者,结合一直以来的审判精神,限购禁购后按揭办不出,对于解除的情形,把握得比较严格,实践中一般倾向于合同应该继续履行,除非买受人能充分举证。而在司法实践中,“没钱”导致合同解除的情形,他还没碰到过。相关的主题文章: