At that time, the advertisement said that Guizhou Poverty Alleviation Foundation cooperated with Guizhou Hengfu Real Estate Development Co., Ltd. to launch the "Dream of Buying a House" public welfare funded project. Those who meet the requirements can get a subsidy of 50% of the total house price, and the subsidy will be returned every month for 20 years. After the designated real estate was launched, it was very popular. Some local owners said that in 20 16, 462 owners signed a "house purchase subsidy agreement" with the foundation to purchase houses.
"Those of us with low incomes thank the Foundation for its good policies, which made us realize our dream of buying a house." Wang Liming (a pseudonym), a property buyer in Panzhou City, said that he bought "public houses" at a price 22% higher than the market price. However, before long, I was happy. The monthly housing subsidy paid in August of 20 18 came to an abrupt end. After letters and visits, complaints, etc. The housing subsidy was reissued to March 20 19, and I haven't received any money since then.
Wang Liming said that the owners jointly defended their rights and found that as many as 678 owners bought houses at high prices but failed to receive subsidies on time. Some homebuyers rely on monthly housing subsidies to repay their mortgages. After the subsidy is suspended, they face the risk of being unable to pay their mortgages and their houses being auctioned by banks.
According to the investigation of the paper media reporters, around 20 15, Guizhou, Jiangxi, Sichuan, Hubei and other provinces all had "50% housing subsidy" real estate promotion activities in the name of public welfare poverty alleviation. In less than two years after buying a house, subsidies were stopped.
On 20 19, the local housing and urban-rural development bureau issued a warning on the trap of "returning subsidies for buying houses". In the same year, the Civil Affairs Department of Guizhou Province also made the Decision on Administrative Punishment for the "Housing Subsidy Project" carried out by the Guizhou Poverty Alleviation Foundation.
2065438+September, 2009, Panzhou Housing and Urban-Rural Development Bureau put forward a solution to cancel the agreement on house purchase subsidy signed between Guizhou Poverty Alleviation Foundation and buyers, and Hengfu Real Estate Development Co., Ltd. made a one-time subsidy to the house purchase subsidy households according to the standard of 350 yuan/㎡, and deducted the amount of subsidy already received.
Wang Liming said that the plan was opposed by the owners, because the owners who participated in the housing subsidy generally bought "public housing" at a price 22% higher than the original price of the property. The subsidy scheme is not only very different from the original subsidy amount, but also smaller than the difference when buying a house. So far, no consensus has been reached.
On September 25th, the staff of Panzhou Public Welfare Project Consultation Line of Guizhou Poverty Alleviation Foundation replied to the paper, saying that it is the only solution to still implement the subsidy measures of 350 yuan per square meter. On the same day, the reporter contacted Hengfu Real Estate many times, but did not get a detailed reply.
Real estate developers and poverty alleviation foundation jointly launched the "promotion" of construction.
At the end of 20 15, Guizhou Poverty Alleviation Foundation (hereinafter referred to as the Foundation) and Guizhou Hengfu Real Estate Development Co., Ltd. (hereinafter referred to as Hengfu Real Estate) launched a public welfare subsidy project under the banner of "poverty alleviation", with advertisements all over the streets of Panxian County.
According to the advertisement, employees in Panxian County (now Panzhou City) who meet the subsidy conditions and buy commercial housing in the "Blue Mountain Yipin" and "City Mansion" communities of Hengfu Real Estate can get a subsidy of 50% of the total house price, which will be returned in 20 years.
Subsidies cover six categories, such as "rural household registration personnel who buy houses in county towns", "first-time buyers, working-class units and individuals", "low-income people who can't afford mortgage pressure" and "high-end talents introduced by the government and enterprises and institutions". Judging from the conditions, there are not many restrictions for the subsidized people.
The news made Wang Liming very excited. At that time, he was nearly 50 years old and his family of four were still renting a house. Housing subsidies brought him the hope of buying a house. "At that time, I thought that this community could subsidize half the price. Although the location is relatively biased, it is still very cheap to count the subsidies, and it feels very good."
Wang Liming said that he once doubted the authenticity of the activity, but in February 20 15, the Foundation and Hengfu Real Estate held a grand launching ceremony of "Round Your Dream of Buying a House" in Panxian County. "In addition to the leadership of Hengfu Real Estate and Foundation, the former deputy magistrate of Panxian government and the director of Poverty Alleviation Bureau spoke at the event, which was reported by Panxian TV stations and newspapers, and almost everyone knows it.
2065438+June 2, 2006 65438+1October 65438, Wang Liming bought a set of1.29 ㎡ commercial housing in the "Lanshan Yipin" residential area of Hengfu Real Estate at the price of 3 170 yuan per square meter, with a total price of 49 ㎡.
In addition to signing commercial housing sales contracts, Wang Liming also signed the Agreement on Raising Special Funds for Housing Subsidies with Guizhou Poverty Alleviation Foundation, which stated that Wang Liming could enjoy a housing subsidy of 50% of the total contract price, that is, 224,298 yuan, to be repaid in 240 months, with an average monthly subsidy of 935 yuan.
At that time, Wang Liming's monthly income was between 2,000 and 3,000 yuan, but the monthly housing loan to be repaid was 2 180 yuan. "I calculated that I only need to pay back 1.245 yuan, which is still very suitable."
There are not a few buyers who have ideas about Wang Liming. He said that according to the owner's statistics, in 20 16, 462 owners passed the "public welfare subsidy" audit, and after signing a house purchase subsidy agreement with the foundation, they bought the "Blue Mountain Yipin" and "City Mansion" commercial houses under the name of Hengfu Real Estate.
Subsidies are suspended, and owners are facing mortgage pressure.
After Wang Liming purchased the property on 20/610, he received a grant of 935 yuan from the Foundation in February of the same year. From then on, Wang Liming will receive subsidies from the Foundation on February1day of each month.
Wang Liming said that more than two years after the subsidy was issued, that is, in August 2065438+2008, he and other 462 owners did not receive the subsidy for that month. "Our owners went to ask the Foundation and Hengfu Real Estate together, and the Foundation said that it was because Hengfu Real Estate sold one room and two halls. After the foundation investigates clearly, the subsidy can be restored. "
However, after waiting for several months, the owner has not received the subsidy, and the mortgage pressure has suddenly risen. "We went to the Panzhou Municipal People's Government for help again, and gztv also reported it. After the government held several coordination meetings, Hengfu Real Estate promised to reissue subsidies from August 20 18 to March 20 19. " Wang Liming thinks things will be solved. However, after the replacement, the housing subsidy will be suspended from 2065438+March 2009.
After the subsidy for house purchase stopped, the monthly mortgage of 2 180 yuan was all on Wang Liming. He said that in order to keep this hard-won house, family life has been seriously affected.
Another owner, Ma Hongjun (a pseudonym), who bought a house with Wang Liming in the same period, worked in ground coordination in a coal mine with a monthly income of about 3,000 yuan. He needs to repay the loan 1996 yuan every month, and the housing subsidy can be subsidized by nearly half. Ma Hongjun said that due to the economic situation, he had to stop paying housing loans to banks on June 20 19.
On July 20th, 2020, Ma Hongjun was sued by the bank for defaulting on bank loans. After trial by the court, it was decided that Mahong Quartermaster would pay off the house loan of about 260,000 yuan in one lump sum before 65438+February 3, 2020/KLOC-0, otherwise the house in Ma Hongjun would be auctioned.
"Because there is no money to decorate, we don't live in this community now. We rent a house outside and pay off the loan in two years. Therefore, the house will be auctioned. This is not a dream of buying a house, but a nightmare. " Ma Hongjun said that most buyers attracted by housing subsidies are local low-income people. After the subsidy for house purchase stopped, mortgage became an unbearable burden for families.
Many places have carried out the "housing subsidy" project.
The reporter inquired about the public reports and found that around 20 15, Guizhou, Jiangxi, Sichuan, Hubei and other provinces all had the real estate promotion activities of "buying a house and returning subsidies" in the name of public welfare poverty alleviation. This preferential policy of returning 50% of the house price in 20 years has given many low-income people in third-and fourth-tier cities the hope of buying a house.
Almost at the same time that Panzhou launched the "dream of buying a house" public welfare subsidy project, in 20 15, Guangzhou Huayu Foundation for Poverty Alleviation also launched the "subsidy for buying a house" activity in conjunction with real estate companies in Hubei, Sichuan and other provinces. However, by the end of 20 16, the housing subsidy had stopped before the new house was delivered. According to Southern Weekend, 240 households in many provinces have stopped paying subsidies, involving an amount of 6.5438+0.595 million yuan.
On 20 19, the Housing and Urban-Rural Development Bureau of Wuyuan County, Jiangxi Province issued the "Tips on Beware of the Trap of Refusing Housing Subsidies", which exposed the routine of this operation mode: the developer allocated multiple suites at a price about 20% higher than the floor price and sold them to buyers as "poor houses". After the developer gets the house payment, he will donate 20% of the house payment to the (cooperative) public welfare foundation at one time. The charity foundation gets the money, makes profits through investment and operation, and returns 50% of the house purchase price to the buyers in 20 years, thus realizing the effect of "returning the house purchase subsidy" in publicity.
The prompt clearly points out that "buying a house to return subsidies" is an illegal housing promotion model with great risks and hidden dangers.
Wang Liming still remembers that when he bought a house for the first time, the open price of the "Blue Mountain Yipin" community was 2,600 yuan per square meter because of its remote location, but the sales told him that if he wanted to participate in the housing subsidy activities, the price would be 365,438 yuan +070 yuan per square meter, with an increase of nearly 22%. "Considering that you can enjoy a 50% return after participating in the subsidy, it is still ok, so I bought the house in this community at a high price.
In the CCTV focus interview on 20 19, the Agreement on Joint Funding Activities signed by Guizhou Poverty Alleviation Foundation and Hengfu Real Estate at the end of 20 15 was announced, which stipulated that Hengfu Real Estate Company would donate 20% (about 36 million yuan) of the house price sold to the Poverty Alleviation Foundation, and the Foundation would return more than 36 million yuan to Hengfu Real Estate Company by way of loan. The agreed monthly interest rate is 1.25% per month. In this way, the foundation can not only subsidize the owners by 375,000 yuan per month, but also get a balance of 75,000 yuan per month.
However, this profit-oriented operation mode violates the regulation that "foundations shall not fund activities for profit".
According to the document, from 2065438 to March 2009, the Civil Affairs Department of Guizhou Province issued the Decision on Administrative Punishment to the Guizhou Foundation for Poverty Alleviation, which clearly pointed out that the "house purchase subsidy project" carried out by the Foundation violated Article 4 of the Donation Law for Public Welfare. "Donations should be voluntary, free of charge ... and not allowed to engage in profit-making activities in the name of donations". Article 27 of the Regulations on the Administration of Foundations "Foundations shall use property in accordance with the purposes stipulated in the articles of association and the business scope of public welfare activities" and Article 1, paragraph 11 of the Provisions on Regulating the Behavior of Foundations (for Trial Implementation) of the Ministry of Civil Affairs "Foundations shall not fund activities for profit".
According to Article 42 of the Regulations on Foundation Management, the Civil Affairs Department of Guizhou Province issued an administrative penalty of warning to the Guizhou Poverty Alleviation Foundation. But how to solve the problem of arrears of housing subsidies? The civil affairs department did not give a solution.
The one-time subsidy for each household is 350/㎡, which is difficult for the owner to accept.
According to the report of Guangzhou TV Station on June 201/KLOC-0, as early as May 2065 438+06, the Civil Affairs Department of Guizhou Province had asked the Guizhou Foundation for Poverty Alleviation to stop purchasing funded projects. However, after the project stopped, Hengfu Real Estate still signed the Purchase Subsidy Agreement with 2 16 buyers in the name of the Foundation. However, after the Guizhou Provincial Foundation stopped granting subsidies in August 20 18, the subsidies provided by Hengfu Real Estate to 2 16 households were also suspended in September.
Wang Liming said that after the housing subsidy was stopped again in March 2065438+2009, 678 homeowners began to write and visit frequently and complain. 2065438+September 20th, 2009, Panzhou Housing and Urban-Rural Development Bureau gave an opinion on the handling of letters and visits by Wang Dingfen, the owner of the house (hereinafter referred to as "Letters and Visits Opinion"), which mentioned the solution after the housing subsidy was stopped for the first time.
According to the complaint, on September 9, 2065438 19, 350 yuan Real Estate Development Co., Ltd. made a one-time subsidy to the buyers after being organized and coordinated by the municipal working class, and the subsidy was completed in batches before the end of September 2020.
The "Letters and Calls" also pointed out that if the owner disagrees with the above implementation plan, the owner who signed an agreement with the Guizhou Poverty Alleviation Foundation can sue the Guizhou Poverty Alleviation Foundation for settlement through judicial channels.
Wang Liming said that this solution is unacceptable to the owners.
Wang Liming calculated an account. "The original subsidy was more than 220,000, and now it is equivalent to a subsidy of more than 49,000, less than170,000. Moreover, we bought this house at a price higher than the market price of 570 yuan/㎡, and now we only subsidize 350/㎡. We have lost a lot of money after waiting for so long. "
On September 25th, our reporter called the consultation hotline of Panzhou Public Welfare Project of Guizhou Poverty Alleviation Foundation. The staff responded that the subsidy measures per square meter of 350 yuan are still being implemented. "The owner can go to Building 7 of the community to find a lawyer to understand the specific situation." Why did the home purchase subsidy suddenly stop? Is there any violation in this project? The staff member said that it is not clear whether there is only one solution.
On the same day, a staff member of the sales office of Hengfu Real Estate Development Co., Ltd. told this newspaper that the owner had been informed of the solution, and the specific situation required a reply from the company leaders. As of press time, no response has been received.
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