There has just been an earthquake in Hebei. For example, if the house that is still in the loan has fallen, will it still need to continue to repay the loan?
Regarding earthquakes and houses, I personally want to talk about this issue, such as law, reason, and house structure;
Generally speaking, when we buy a house, especially in some small cities with second-hand houses before 2000, many banks cannot mortgage their mortgages, and the intermediary generally won’t tell you the reason, that is, they cannot mortgage them, but why?
On the one hand, the safety of this type of house is too low, especially multi-story houses. To put it bluntly, they are all prefabricated boards and brick-concrete structures;
To put it bluntly, as long as there is an earthquake, this type of house will collapse immediately, and there is no safety at all;
On the other hand, some houses may have some changes in the land. In the previous houses, many of the lands were 20 years of property rights. In Wenzhou, there are not such situations. For land with 20 years of property rights, the bank will not mortgage you to the expiration of the land;
To put it bluntly, small property rights houses are also unable to apply for a real estate certificate because of the nature of the land, which is similar to such problems related to land!
In other words, the land age will be related to the bank mortgage. I won’t say much about this, let’s talk about the houses related to earthquakes, ha!
So, after the earthquake, do the house under the mortgage still need to pay the loan?
From a legal perspective, even if the contract is signed, the insurance contract clearly stipulates that losses caused by earthquakes and other factors are not compensated. When you sign a mortgage contract, it should have the same meaning. There will be no changes in the creditor's relationship due to the disappearance of the earthquake house;
However, in terms of reason, in order to stabilize one party, and there are fundraising from all parties, the state rescued the funds for reconstruction; mortgage loans before
were generally exempted from liability under the intervention of policies. In Wenchuan, there was this policy. This part of the mortgage loan was written off as a bad debt, which means that there is no need to repay the loan. It is considered that the country has solved this problem for everyone; Why does
look like this?
earthquake is an unpreventable and unpredictable disaster, and there are many casualties. In Wenchuan, there were so many casualties. Where did those casualties go to collect debts? You can't let the paper money burned by living people be used to pay the debts for the bank, right?
The country has the responsibility and responsibility. If you take this matter from a humanitarian perspective, you will no longer have subsequent creditor relations;
Finally, let me talk about how strong the earthquake intensity of the house is now?
What structure do ordinary houses adopt?
is divided into brick-concrete structure, frame structure, shear wall structure, and frame shear wall structure, which is also a building with a frame shear wall mixed structure, which has better earthquake resistance;
Of course, there is also a steel frame structure. Due to factors such as cost budget, and other factors, as well as other things, they are generally used less?
What is the general structure of the house we live in?
is generally a structure with a mixed frame shear wall. For example, many people have a beam in their homes, and some have a type of apartments, some do not have one, and the roof is all concrete. The walls are built with bricks to divide the apartments. This is a house with a frame shear structure;
such houses have a seismic resistance level of four stars, which is a little different from a five-star steel structure, but it is a mainstream residential building structure;
In other words, it will not resist general earthquakes below 7 levels. It’s not that different from the collapse of geological problems. Of course, the seismic resistance level of the house is also closely related to the foundation and all aspects, which mainly depends on the geological requirements;
Of course, there will be strict seismic resistance level, but there will be different seismic resistance design requirements according to the geological conditions in different places;
A Yongge commented:
1. One is an existing house, and the seismic resistance level is very high. Generally, earthquakes are fine, so just buy it with confidence!
However, before 2000, the small high-rise buildings with brick-concrete structures and prefabricated multi-story houses should be considered when purchasing. When purchasing, the value brought by one in this regard should be reduced, and the age of the land should be considered. It is better to evaluate it!
2. There is a real earthquake. When some houses collapse, the state will generally rescue them. The mortgage loan is not required to be paid, and it can be forgiven. However, legal creditor relations and the state implementing humanitarian pardon are two different concepts, but for the people, it is a benefit;
. If there are difficulties in real estate transactions, you can find Love Ju at any time;
search and follow the official account [Lefu Ju], and you will be asked questions and answers!
or add WeChat directly: 599194173
