In recent days, renowned digital bamboor Lee, Lee Djibé, drew attention to a decline in the recent assessment of the prices of his home purchased in deep-seated loans, and to a request from the Bank for electricity to compensate him for the principal amount of approximately 500,000 yuan in contractual terms. He disclosed that the owner of the building was selling the house six times, affecting the assessment price of his home.

This microblue sparked extensive discussion, and some friends of the network feared that the price of housing they purchased would also be reduced by the bank’s request for a capital reserve, which alone could not afford hundreds of thousands of resupply banks and would not know what measures the successor bank would take.

For more details, journalists tried to contact the host, but no response had been received as of the date of publication.

Lee Jackie stated that, while the bank had told him that the price of the house was rising, it was rarely the subject of interest, but that there was a provision in the loan contract where the price of the house had fallen to be filled.

Data released by the National Statistics Office on 15 December show that the overall downward trend in housing prices was sustained in 70 cities throughout the country in November: only nine new commodity homes were upgraded and two urban prices remained stable, while only three cities were on second hand, four were stable and the rest were down.

In particular, in November, the market value of newly constructed and second-hand home sales in cities declined by 0.2 per cent and 0.4 per cent respectively, a decrease of 0.1 percentage points over the previous month. The second line of cities saw a decline of 0.2 per cent and 0.4 per cent, respectively, in the prices of newly constructed and second-hand housing, a decrease of 0.1 per cent over the previous month. The third line city saw a 0.3 per cent drop in the price of new commercial residential sales, a decrease of 0.1 percentage points below the previous month; the second-hand home sales price was 0.5 per cent below that of the previous month, the same decline as the previous month.

In entering into a housing loan contract, it may be that most home buyers are more concerned about the amount of the loan and the monthly supply and do not carefully read the format clause in the contract, which, in fact, generally contains a clear agreement on the filling of collateral.

The Director of the Bank Research Unit of the Financial Research Institute of the Chinese Academy of Social Sciences, Lee Hiro, disclosed that the regulatory branch generally required banks to regularly assess the value of mortgages and, if the value was less than the balance of the loans, to supplement other collateral. But this is very rare in practice.

Subsidies are small probability events

A senior member of the Beijing banking sector stated to journalists that the situation in which the bank demanded the purchaser to fill the mortgage would not be large enough, while the purchaser had already paid a percentage of the first payment, while the loan was generally 60-70 per cent of the price of housing assessment, and the mortgage of the general resident’s home would not normally be problematic. However, in cases where the value of collateral is reduced and the value of bank mortgages is insufficient, the bank has the right to demand that the lender supplement the mortgage or make advance payments, which is regulated by law. It is recommended that borrowers make reasonable arrangements for the amount of loans based on actual circumstances.

A well-established banking sector senior informed journalists that, in terms of actual operating conditions, mortgages for normal residential housing were not generally required by banks, even if housing prices fell somewhat, or there were triggers.

The partner of the Beijing-Payer explained that if the value of the collateral was reduced, the borrower did not provide the collateral required by the bank, and that, under other contractual terms agreed upon by the parties, the bank generally had the right to demand a one-time repayment by the borrower, or to exercise pre-existing mortgage rights and to auction and sell the mortgage property in agreement with the borrower or under a statutory procedure.

However, in the practice of individual mortgage buyers, there is a dual legal relationship between the purchaser and the bank for repayment of loans and mortgages, in which the loan is a fundamental legal relationship, requiring the purchaser to properly repay the loan is the most important claim of the bank. In the case of mortgage loans for personal purchases, although banks have the right to claim mortgages on the basis of contractual agreement between the parties, in practice few banks directly claim this right as long as the lender is able to continue normal repayments. Since the unilateral emphasis on contractual rights in the general context of the national real estate market only exacerbates the contradiction between home purchasers and banks, and is not in line with the current policy of State real estate, which is a safe and stable building. Assuming that the houses purchased did fall significantly, the purchasers should try to ensure normal repayments and communicate fully with the banks so as to avoid direct notification by the bank of the recharge or even advance exercise of mortgage rights.

The lawyer of the Beijing firm of attorneys has found that, in the absence of a clear agreement between buyers and banks as both borrowers, the value of mortgages should not be added to the additional burden on the purchasers as long as the purchasers pay their loans on time.

How can home buyers respond to small probability incidents?

Feedback from the parties shows that mortgages are rarely available for mortgage loans, and that large numbers of home buyers do not use too much fear. A minor probability event may also be handled on the advice of a lawyer.

Hoanguity analyses, both in theory and in practice, how bank mortgage requirements should be met. He indicated that banks, as borrowers of funds, would often include in their supply-based contracts “substantive provisions” that, whatever the cause of the reduction in the value of collateral, the mortgage should, in a timely manner, equate the value of the collateral by providing early repayments or guarantees equivalent to the reduction of value, so as to avoid a smooth liquidation of the bank lending funds. Such agreements safeguard the interests of banks as financial institutions and are justified in the area of commercial finance. However, when return to real life and when the price of housing has fallen significantly, such agreements will undoubtedly bring a double blow to ordinary home buyers, “pay-as-you-go plus early settlement”.

For ordinary home buyers, in the face of a drop in the price of housing, it is recommended that repayments be made on time and that the bank certainly want the lender to complete the remaining loan as contracted, and that, given the time and economic cost required to start the judicial process to claim contractual rights, the bank rate will not be strictly enforced. Second, if it is indeed required to repay or resupply the security in advance, it may be considered that, under article 496 of the Civil Code, attempts are made to favour the bank as a party to the provision of the format clause and no reasonable means are taken to alert the buyer to the satisfaction.

Aster Club

Today, at the client end of DOTA2, my club found that the presence of a team, known as Team Aster, is taking part in an electric competition called the East Power Cup, which seriously infringes upon my club’s legitimate interests. I solemnly declare:

Team Aster did not participate in the DOTA2 competition called the East Power Cup and was not aware of the matter.

The club has now been alerted to the matter and has reserved the right to be held legally accountable to the organizers of the event and to the wardens.

SAG Club

In recent days, we have found that the East Power Cup East Power Cup, held at the DOTA2 champion, was ranked as the SAG, and that the name of the team was false. It is hereby stated that the SAG DOTA 2 warring team was not involved in the competition and had never authorized the right to use any information in the event, and invited the agents to refrain from miscommunications and to guard against fraud.

At the same time, the unauthorized use of the SAG name for fictitious competition by the East Forces Cup is extremely bad, and we will retain the right to hold legal responsibility to the organizers of the event.

RNG Club

In recent days, we have found that the East Power Cup East Power Cup, held at the DOTA2 champions, has been ranked RNG in the ranks, whose name is false. It is hereby stated that the RNG DOTA 2 warring team was not involved in the competition and had never authorized the right to use any information in the event, and invited the players to refrain from miscommunications and to guard against fraud.

At the same time, the unauthorized use of the name of the RNG team in a fictitious competition by the East Forces Cup is extremely bad, and we will retain the right to hold legal responsibility to the organizers of the event.

iG Club

EHOME Club

In recent days, in the DOTA2 client base and in the news of events, my club found that the presence of the EHOME in an electric competition called the East Power Cup seriously undermines my club’s legitimate interests. I solemnly declare:

EHOME did not participate in the DOTA2 competition known as the East Power Cup and was not aware of the matter. The competition was entirely fictitious and called on all knives to stay. We strongly condemn and retain the right to hold its legal responsibility for the organizers and participants of this event.

Messages from a wide variety of sources (regular hosts)

In addition to the above club, the Phoenix and LBZS clubs have indicated that they are not relevant to this false race.

New wave declaration: the posting of this text on the new wave does not imply approval of its views or confirmation of its description for the purpose of communicating additional information.

Beijing, Kunming, May 8 (Luo Jie) - on the 8th, the Southwest Associated University record film “after 90”, jointly “starred” by 16 national treasure masters such as Yang Zhenning, Xu Yuanchong, Yang Yi, Wang Xiji and Ma Zhitu, held its Yunnan premiere in Kunming.

The premiere ceremony was hosted by the Publicity Department of Yunnan provincial Party committee and themed “dialogue between post-90s and post-90s: the mission and responsibility of generations”.

Southwest Associated University has only eight years of history, but from here came two Nobel Prize winners, eight meritorious deeds of two bombs and one star, 172 academicians, more than 100 humanities masters and many national top science and Technology Prize winners. It is known as Mount Everest in the history of Chinese education.

Yang run, Vice Minister of Publicity Department of Yunnan provincial Party committee, delivered a speech at the premiere of Yunnan. He said that unlike the grand narrative of the documentary “southwest United University”, post-90s chose to weave the grand history of southwest United University into a more vivid and rich individual life.

The scene of Yunnan Premiere of documentary film after 90. Photo by Li Jiaxian

“A total of 16 ‘post-90s’ masters over the age of 90 jointly’ starred ‘, which can be said to be unique in documentary films,” Yang run said, “Through the film screen, they have a ‘dialogue’ with today’s post-90s and post-00s in the new era. They present the school motto of Southwest Associated University, the ambition of patriotism, science and democracy, and the continuous growth experience of self-improvement to young people in this special way of dialogue, so as to realize the inheritance of youth blood and ideal values.”

After 90 producer Yu Rongguang, producer Jiang Xiaorong and curator Li Hongying of southwest United University Museum of Yunnan Normal University also came to the scene to tell the audience the creation story behind the scenes. Yu Rongguang said that he hoped to restore history in the form of documentary, “this film is also a gift to the masters of ‘post-90s’.

Xu Bei, the director of “after 90”, tells the feelings and gains in the process of film creation through a video. She said that we can feel their youthful demeanor from this group of elderly people with an average age of 96, and find out how to make their youth or life more interesting.

It is reported that the documentary film “after 90” was produced by the Publicity Department of Yunnan provincial Party committee, produced by Yunnan Runshi Rongguang film industry, and jointly produced by Tencent film and the Dayou film and television center of the Central Party school. The film will be released in theaters across the country on May 29.

The event was hosted by Jimei Baoxiang Hongxing Macalline shopping mall and Xiamen interior decoration Association. College leaders song Wu, President of overseas Chinese University, Chen Qiduan, President of Jimei University, Zhang Baosheng, President of Xiamen xingcai college, Lin Jinqiang, vice president of Fuzhou Academy of Arts and crafts, Chen Jianglin, director of Xiamen City College, and industry famous designers Cai Wanya, Zeng Guanwei, Wang Nuan, Yuan Ji’an, Chen Shaoqun Zeng Weikun, Lou Jiqiang, Zheng Yongli, the top 100 designers of “Southern Fujian design power”, representatives of more than 30 high-end design companies, representatives of well-known brands of Jimei home building materials, Xiamen authoritative media xiaoyu.com, real estate lianhe.com, Sina home, Sohu Home, representatives and more than 300 professionals witnessed this unique design feast.

Jimei Baoxiang Hongxing Macalline shopping mall is located in Chengyi Middle Road, Jimei District. It is located in the Golden Circle of real estate outside the island. It is the first Jiageng style home mall in China, and the first one-stop shopping mall for service blank + hardcover repair owners to carry bags to settle their homes. It has a 6-story full category home famous museum. The first floor is mainly composed of floors, ceilings, doors and windows and catering. The first floor is mainly composed of independent stores, ceramic tiles Bathroom, from the second to the sixth floors, there are 200 first-line famous building materials, furniture, electrical appliances and soft decoration. The collection of famous products allows you to enjoy high luxury home aesthetics and taste personalized home space without going far away.

Guests sign in

The inaugural meeting of Baoxiang Red Star interior Fashion Designer Club officially began

Huang Zhixiong, chairman of Xiamen Baoxiang international enterprise / Vice Chairman of Fujian patriotic and military support association

Mr. Huang Zhixiong, chairman of Baoxiang international enterprise and executive vice president of Fujian patriotic military support promotion association, expressed his firm attitude of supporting the development of Haixi design circle as always, and the establishment of Baoxiang Red Star interior fashion designer club will greatly promote the healthy and positive development of home decoration market. I hope that with the support and support of many excellent design masters, We will show the quality of human settlements and urban aesthetics to Xiamen, southwest Fujian and even the whole southeast, and express our sincere thanks to all the guests present. At the same time, we also thank the media friends and all sectors of society for their attention.

Huang Jianyao, executive vice president / Secretary General of Xiamen interior decoration Association

Zhang Baosheng, Dean of Xiamen xingcai College

Cai Wanya, deputy director of display art professional committee of China Interior Decoration Association

Huang Rulong, President of Baoxiang Hongxing interior Fashion Designer Club / executive deputy general manager of Jimei Baoxiang Hongxing shopping mall

Huang Rulong, President of Baoxiang Hongxing interior fashion designer club and executive deputy general manager of Jimei Baoxiang Hongxing shopping mall, introduced the articles of association of the club and the purpose of the establishment of the club to the guests, and shared in detail the overall planning and operation mode of Jimei Baoxiang Hongxing Macalline shopping mall in the future, Let designers really feel that joining the club jointly built by the mall and Xiamen interior decoration association is a win-win event.

Baoxiang Red Star interior fashion designer club was officially launched

Honorary consultant of the club: Cai Wanya

Counselors of the club: Zhang Baosheng, song Wu, Chen Qiduan, Lin Jinqiang, Chen Jianglin, Wang Nuan, Xie Qilu, Chen Shaoqun, Zeng Weikun and Zheng Yongli

Huang Zhixiong, chairman of Xiamen Baoxiang international enterprise, Lin Zhuoshi, general manager of Jimei Baoxiang Hongxing shopping mall, and Huang Jianyao, vice president of Xiamen interior decoration Association, presented Cai Wanya with the Honorary Consultant Certificate of Baoxiang Hongxing interior Fashion Designer Club under the witness of the media and guests, including Zhang Baosheng, song Wu, Chen Qiduan, Lin Jinqiang, Chen Jianglin, Wang Nuan, Xie Qilu, Chen Shaoqun Zeng Weikun and Zheng Yongli presented the letter of appointment of consultant and tutor of Baoxiang Hongxing interior fashion designer club, and then presented the award to the top 100 designers of “Southern Fujian design power”, the core strength of the club.

Group 1: Chen Xianyu, ye Wen, Wu Yang, Wei Xiuli, Li Han, Yu Weizhi, Chen Zhizhi, Lin Yingwei, Li Yuhe, sun Qiaomin

The second group includes Fang Lili, Chen Xiaobin, Xie Yanming, Zhou Yulin, Zhang Xiaowei, Wu Yuze, Zhuo Peiming, Wang Jing, Deng Zhaowen and Nie Fang

Group 3 yuan yuan, Li Suzhen, Shao Bo, Huang Huiling, Yang Li, Peng Qiaoming, Chen Jinbin, Wu Wenyong, Lin Daoming, Lin Yizhong

Group 4: Lin Chenxi, Luo Kunqi, Lin Shaohua, Guo Youzhi, she Shengwu, he Zehui, Lin conghai, Yang Li, Li Zhiyu and Fang Zhichao

Group 5 Cai Xiongzhen, Zheng Xinzhi, Ye Feng, Jiao Jian, Guo Peng, Xu Shaoze, Wang Bin, pan Tao, Zheng Kailun and Zhang Linqi

Group 6 Xu Qinghua, Han Bing, Wu Wei, Yu Jianlin, Fu Hualin, Wei Zhiyong, Huang Xiaofang, Zhuang Changmei, Xiao pinjun, Gao Wenjin

Group 7 Shen Min, Chen Chun, Zeng Lingshan, pan Gaoming, Qiu Yong, Huang Shuyue, Zheng Aqing, Chen zhidu, Qiu Xiaolong and Lin Xiaoli

Group 8 Guo Qiang, Kong Zhenming, Zhang Wensheng, ye Shunjing, Wang Linjie, Wen Guofeng, Zhang Yihui, Wu Changzhe, Zhang cunxia, Lei Ruiyan

Group 9: Wang Junhui, Liu Jiawen, he Xiaowei, Zhang Lijuan, Guo Mingxuan, Yan fangting, Xiao Zeqing, Zhang Yingyan, Chen Shumin and Chen Boli

Group 10: Li ZHENGBO, Gu Rui, Lai Tianshun, Zheng Zhining, Liu Sihai, Huang Xiaoming, Wang Jialei, Zhang Xiaoyun, Peng Shengwei and Zhuang Weiping

Cai Wanya’s speech

Integrating classic aesthetics and design strength, the club aims to provide satisfactory multi-dimensional design services such as architectural design, landscape design and interior design for the home decoration design industry and Jimei Baoxiang Red Star Macalline shopping mall customers. At the same time, it hopes that many excellent designers can learn from each other and make continuous progress in the platform, so as to provide more customers with better home design Villa design and other high-end customized services can also cultivate comprehensive talents and provide all-round high-quality services for the design industry and shopping malls. Inherit the craftsman spirit, highlight the style of Southern Fujian, break the design boundary, create a classic space, work together for win-win results, innovation and lead the future. Congratulations again on the successful inaugural meeting of Baoxiang Hongxing interior fashion designer club in 2022!