第一百七十三章 履新首责 破解烂尾
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第一百七十三章履新首责破解烂尾(第1/2页)
仲夏的镇南市,暑气蒸腾。刚履新市委常委、副市长的黄江北,没来得及收拾办公室,就一头扎进了基层调研。他绕开了光鲜亮丽的工业园区,径直奔向了城西的恒居·锦绣华庭项目地块——这里,是镇南最棘手的房地产烂尾遗留问题现场。
隔着一道锈迹斑斑的铁皮围挡,能看到里面只立起了一道孤零零的售楼处大门,门后荒草丛生,连地基都没完整打下。围挡外,聚集着数十位业主,他们手里攥着购房合同和银行按揭还款单,脸上满是焦虑和疲惫。
“黄市长,您可得给我们做主啊!”一位头发花白的老人挤到前排,颤巍巍地递上合同,“三年前交的首付,每个月还五千多贷款,可这房子,连个坑都没挖好!恒居地产拿了钱就跑路了,我们老百姓的血汗钱,就这么打了水漂?”
身旁的住建局局长脸色尴尬,低声解释:“恒居地产是外地来的开发商,当年拿地手续看似齐全,实则用了高杠杆融资。资金链断裂后,老板卷款失联,项目直接烂尾。涉及业主八百多户,按揭贷款总额超十亿,这些年群众上访不断,就是没找到妥善的解决办法。”
黄江北接过那份皱巴巴的合同,翻到土地出让、资金监管的条款,眉头越拧越紧。他蹲下身,和几位业主细细攀谈,这才摸清了症结:一是资金监管形同虚设,开发商提前挪用了预售资金;二是项目用地存在抵押纠纷,后续接盘企业望而却步;三是涉及银行、住建、法院等多个部门,协调难度极大。
“同志们,”黄江北站起身,声音沉而有力,目光扫过随行的各部门负责人,“老百姓一辈子的积蓄,砸在一套看不见的房子上,每个月还要背负房贷,这是天大的民生事!我的第一堂调研课,就从解决这个烂尾楼开始。”
当天下午,黄江北在市政府会议室主持召开专题会议,参会的有住建局、自然资源局、法院、银保监局,以及涉及的商业银行负责人。
“今天的会,不摆成绩,只谈问题、拿方案。”黄江北开门见山,将一份梳理好的问题清单拍在桌上,“第一,成立恒居烂尾楼处置专班,我任组长,各部门抽调专人集中办公,一周内摸清项目所有债权债务、土地抵押情况;第二,严查资金监管漏洞,对当年审批、监管的责任人启动问责程序,该处分的处分,该移交司法的移交司法;第三,由法院牵头,加快对恒居地产的破产清算,理清资产权属;第四,银保监局协调银行,暂停业主逾期房贷的罚息计算,妥善解决征信记录问题。”
(本章未完,请点击下一页继续阅读)第一百七十三章履新首责破解烂尾(第2/2页)
会议室内鸦雀无声,几位部门负责人面露难色。市自然资源局局长犹豫着开口:“黄市长,项目用地涉及三家银行的抵押,理清权属至少需要半年,而且接盘企业难找啊,城西的地段不算核心……”
“找不到接盘企业,我们就创造条件让它有吸引力!”黄江北打断他,语气坚定,“第一,调整城西片区的规划,引入公立学校、社区医院等配套设施,提升地块价值;第二,对后续接盘企业给予税费减免、行政审批绿色通道等政策支持;第三,专班直接对接省内有实力的国企,谈合作开发。”
他看向银保监局局长:“银行不能只盯着收贷,要承担起社会责任。业主没住上房子,却要还房贷,这个道理说不通。专班要和银行协商,探索‘停贷缓供’‘房贷置换’等方案,切实减轻业主负担。”
散会后,专班立刻运转起来。黄江北每天抽出半天时间,泡在专班办公室,盯着权属核查进度,协调部门之间的扯皮推诿。遇到银行和法院的分歧,他亲自出面沟通;得知有业主因为房贷逾期被列入征信黑名单,他连夜督促银保监局出台补救措施。
与此同时,关于恒居地产资金监管失职的问责调查也同步展开。当年负责项目预售资金监管的住建局科室主任,因玩忽职守被立案审查;两家违规放款的银行支行行长,被责令停职检查。消息传开,业主们悬着的心,稍稍放下了一些。
半个月后,专班拿出了第一版处置方案。城西片区的规划调整公示,公立小学和社区医院的选址确定;三家银行同意对业主暂停罚息,征信记录进行修复;一家省内的国企开发商,表达了接盘意向,正在对项目进行尽职调查。
黄江北再次来到锦绣华庭项目地块,围挡外的业主少了许多,脸上的焦虑也淡了几分。
“黄市长,听说政府要给我们建学校,还有国企来接盘,是真的吗?”一位年轻业主问道。
黄江北点点头,笑着说:“是真的。不仅要把房子建好,还要把配套设施跟上,让大家住得安心、住得舒心。”
夕阳西下,余晖洒在那道孤零零的大门上。黄江北站在围挡外,望着荒草丛生的地块,心中暗暗
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