Financing has always been a difficult problem for the real estate industry as a high leverage, high debt and high turnover industry. Therefore, the emergence of commercial acceptance bill has greatly slowed down the pressure on corporate capital flow, especially for small and medium-sized enterprises, it is a very convenient financing tool .
However, in the past two years, the entire industry has entered the peak period of bond repayment and resumption. According to the joint credit calculation results, without considering exercise and resumption, the maturity amount of real estate bond in 2022 is about 320.3 billion yuan. The corresponding proportion of the 2022 real estate bond maturity amounts to 19.05% of the real estate existing scale, while the maturity amount in 20 and 21 years is about 890 billion yuan. This shows that the pressure on the maturity repayment in the real estate industry is quite large.
Since the hiatus of Evergrande , commercial tickets in the past two years have also faced a large number of overdue situations. For commercial tickets that cannot be redeemed, many invoicing companies have given only three strategies. First, will be extended to . The second is to redeem in installments to , and the third is to use housing to offset debts .
So for holders, how should we choose these methods? What are the pros and cons?
1. Extend
1. Sign the extension agreement (time is 3 months, 6 months, 9 months and 12 months, etc.) and compensate for interest; after the extension date expires, the holder initiates a prompt payment and shall be redeemed by the issuing unit.
2. Ticket exchange: requires the holder to proceed to liquidate offline. After signing the expired commercial bill, the issuer will reopen a new commercial bill to pay the original holder and compensate the interest
. One thing you need to note is that the extension will affect your bill recourse . If you agree to the extension, it is fine if the issuing unit can redeeme it on the due date, but you cannot guarantee whether it can be redeemed normally. If the extension is negotiated again at the due date, it will be even more distant to whether the payment will be paid. And when you think about prosecution, it has been 6 months of statute of limitations. It is no longer possible to sue all endors, but can only sue the invoice issuing company. Or some even exceeded 2 years of bill litigation. At that time, it was really impossible to get the payment.
2. Installment payment :
Sign an installment payment agreement , which is generally paid in 6 months or 12 months; after signing the installment agreement, the first payment within 5-10 days will generally be about 10% of the ticket amount, and then the remaining payment will be given in two or three periods. After negotiation and agreement, the holder will be allowed to conduct offline liquidation; then the ticket is returned to the company. So, there is one disadvantage that the ticket is no longer in hand. If the remaining payment is not redeemed for due date, it will not be prosecuted through the bill dispute case.
According to the customer's feedback, the payment still cannot be obtained after the installment payment agreement is signed. Most of them just got the first payment in the early stage.
3. Use housing to pay off debts
1. If you monetize as soon as possible Try to choose a small-area two-bedroom or a small three-bedroom room, which is easier to take action (, in terms of the current real estate sales market, real estate in each region is not easy to take action, and the monetization period may be relatively long ). Monetization is preferred to choose southeastern regions and coastal cities, and should be mainly third- and fourth-tier cities. At present, housing prices fluctuate in the market conditions and are not stable, housing prices in third- and fourth-tier cities are relatively low, and the loss rate will be relatively reduced. Generally, after arrears the house, they will require full sales when selling. This is more suitable. People with low total prices accept.
If you live in and improve your life, you can choose a villa or a leapfrog in the area.
Selection and Filter for Acquisition: 1. Choose small rather than large, rather choose late instead of yellow tray.
2. Priority for existing houses is given priority, and urban real estate is given priority instead of health tourism projects.
If the above three methods can guarantee the payment, it is best, but if it cannot be guaranteed, the best way now is to
to protect through , including the endorser's account, and then negotiate to resolve the payment problem. , According to the customers we have contacted, the probability of repaying money through litigation is still very high.Many commercial bills are prosecuted and the endorser and payee take the initiative to negotiate to collect the money after the case is filed.
