8-level large earthquake in Wenchuan people great disaster that changed our lives, but also to social development had a far-reaching impact. After a disaster, earthquake, to how the real estate industry?
Earthquake sound: must punish the rubbish engineering
16 may, the Ministry of housing and urban-rural Minister Jiangweixin in information Office press conference said, our national seismic building standards are in accordance with the degree of intensity to fortification 7. This earthquake intensity reaches 10-11, far beyond the standard seismic protection of buildings, especially near the epicenter of the housing, the majority will collapse.
But it cannot exclude construction process have shoddy work, after the investigation clearly, if there are issues that must be taken seriously.
Shock from the miracle: "the history of hope school" unhurt after earthquake
In the Wenchuan earthquake in beichuan County, distance only 7.5 km Tang home sea village mountain Ambrose hope primary school in the subversive earthquake tenaciously live down. Not only teaching building did not collapse, and the school teachers and pupils and 483 are miraculously all safe evacuation.
Recently, users post called "the history of hope school", this raises a strong response, users have to built the building's construction to pay tribute to the proposal to add this! "the most cattle teaching building behind the building contractors search out, I hope I have all of the building can be responsible for the real estate business.
Earthquake of puzzle: House no, mortgage?
About mortgage loan housing is affected by the earthquake, socially stirred heated debate. Journalists visited a number of commercial banks and the legal profession, have basically the same answer, i.e. loans and bank debt relationship between, not because of the collateral (housing) of the loss. In other words, even if total loss, the borrower is obliged to pay off the remaining loan on a monthly basis.
As a business, the Bank cannot be active from the debtor to repay obligations. Then, the mortgage insurance can pay for seismic disaster housing? the answer is, unfortunately. According to China's insurance industry accepted the personal loan mortgage housing insurance clauses ", as" earthquake or earthquake causes "caused" insurance property losses, the insurance company does not assume liability. "
Since China's housing loan-a short history, the insurance industry is also relatively late start, in case of large-scale natural disasters also rarely, regardless of the legal system and practice have left many gaps, and therefore does not rule out the possibility of future disputes, also looks forward to further national policy.
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