房產(chǎn)回購業(yè)務(wù)操作指引

1房產(chǎn)回購業(yè)務(wù)操作指引1、準(zhǔn)入條件省內(nèi)省轄市、擴(kuò)權(quán)縣、五證齊全國有土地使用證、建設(shè)用地規(guī)劃許可證、建設(shè)工程規(guī)劃許可證、建設(shè)工程施工許可證、商品房銷售（預(yù)售）許可證進(jìn)度企業(yè)同意我們控制資金流向（只能用于我們所投資項(xiàng)目的工程款。2、調(diào)查重點(diǎn)申請人及關(guān)聯(lián)企業(yè)情況以往開發(fā)的項(xiàng)目投資開發(fā)計(jì)劃和投資估算項(xiàng)目資金投入和資金籌措施工計(jì)劃和工程進(jìn)度、施工安排土建、安裝承包合同，主要是推算工程款支付的時間和節(jié)奏；意向購房情況工程施工進(jìn)度及工程款支付情況申請人及關(guān)聯(lián)企業(yè)抵押物、融資能力、資源分析回購資金來源3、業(yè)務(wù)審批2項(xiàng)目經(jīng)理A角寫報告，B角復(fù)核，并發(fā)表獨(dú)立意見；正常業(yè)務(wù)審批，項(xiàng)目評審委員會集體評議，一般不適用簡易程序一般要求項(xiàng)目經(jīng)理參加匹配投資資金流向只能用于投資對象支付工程款申請人出具以特別優(yōu)惠價銷售的股東會決議；3房產(chǎn)短期投資業(yè)務(wù)資料清單序號企業(yè)資料名稱公司營業(yè)執(zhí)照正、副本復(fù)印件組織機(jī)構(gòu)代碼證（年檢記錄）稅務(wù)登記證書在工商局備案的公司章程基礎(chǔ)材料驗(yàn)資報告貸款卡及密碼基本戶開戶許可證人行征信系統(tǒng)查詢報告（詳細(xì)版）財(cái)務(wù)資料三年加兩期財(cái)務(wù)及審計(jì)報告項(xiàng)目“五證”復(fù)印件開發(fā)計(jì)劃投資估算成本控制計(jì)劃土建、安裝承包合同（摘要）工程款支付明晰表項(xiàng)目情況銷售計(jì)劃用途還款4調(diào)查報告股東或董事會成員的身份證復(fù)印件并本人簽名蓋公章保證措施股東會或董事會針對以特別優(yōu)惠售房的決議如經(jīng)辦人授權(quán)委托書和身份證及復(fù)印件備注5公司項(xiàng)目銷售監(jiān)測匯總表監(jiān)測時間可售套數(shù)可售面積上期銷售套數(shù)上期可售面積當(dāng)前可售套數(shù)當(dāng)前可售面積本期銷售套數(shù)本期銷售面積本期銷售均價本期銷售收入當(dāng)前已售均價銷售分析當(dāng)期現(xiàn)金流入備注合計(jì)6公司項(xiàng)目銷售監(jiān)測表監(jiān)測期間月日月日建設(shè)總套數(shù)建設(shè)面積總額可售套數(shù)總額可售面積總額樓棟名稱上期可售套數(shù)當(dāng)前可售套數(shù)本期銷售套數(shù)上期可售面積當(dāng)前可售面積本期銷售面積上期已售均價當(dāng)前已售均價本期銷售均價本期銷售收入成交分析預(yù)計(jì)當(dāng)前現(xiàn)金流入按揭到帳時間合計(jì)7商品房買賣合同解除協(xié)議書甲方（出賣人）住所法定代表人營業(yè)執(zhí)照號電話乙方（買受人）住所身份證號電話甲乙雙方原于年月日簽訂商品房買賣合同（合同編號），約定甲方將位于鄭州市路號樓號房產(chǎn)出賣給乙方，合同價款總計(jì)元（人民幣元）。乙方已依約向甲方交付了全部房款元（人民幣元）。現(xiàn)甲方向乙方提出解除請求，乙方附條件地同意甲方解除原商品房買賣合同，甲方對乙方所附條件表示同意。雙方就解除原商品房買賣合同所附條件及其它可能出現(xiàn)的違約情形約定如下，以供雙方共同遵守一、原商品房買賣合同解除的條件為甲方必須將乙方已付清全款的購房款元（人民幣元）全額退還乙方。二、自甲方退還該全額購房款之日，原商品房買賣合同方得構(gòu)成解除。即使在甲方已退還乙方大部分房款但未全額退還的情況下，原商品房買賣合同都不構(gòu)成解除，乙方仍有權(quán)要求甲方8按原商品房買賣合同履行義務(wù)。三、甲方承諾，如果自本協(xié)議簽訂之日起90日內(nèi)，甲方仍不能將乙方已付清全款的購房款元（人民幣元）全額退還乙方，乙方可以選擇要求甲方按原商品房買賣合同履行商品房出賣義務(wù)或者選擇要求甲方按每日千分之三向乙方承擔(dān)逾期退款違約金。甲方同意接受當(dāng)其逾期退款時，將根據(jù)乙方的選擇，或承擔(dān)原商品房買賣合同履約義務(wù)，或按逾期未退還款額的每日千分之三向乙方承擔(dān)逾期退款違約責(zé)任。四、本協(xié)議內(nèi)容系雙方真實(shí)意思表示，自雙方簽字之日成立并生效，但有關(guān)原商品房買賣合同的解除行為是否構(gòu)成的事實(shí)，只有在本協(xié)議簽訂之日起90日內(nèi)甲方向乙方全額退款后方得成立并生效。五、本協(xié)議如發(fā)生爭議，應(yīng)向乙方所在地法院起訴解決。六、本協(xié)議一式份，雙方各執(zhí)份。甲方乙方法定代表人委托代理人年月日年月日9補(bǔ)充協(xié)議甲方乙方一、本協(xié)議是甲乙雙方年月日所簽署商品房買賣合同（編號的補(bǔ)充；二、甲方于收到乙方購房款元整；三、甲方于年月日前享有對該房產(chǎn)的回購權(quán)，但必須一次性將乙方購房款整無條件退還乙方方，同時支付每天千分之三的違約金；四、乙方收到甲方全部款項(xiàng)后，無條件配合甲方辦理商品房回購手續(xù)；五、如果甲方在年月日之前不能將購房款足額退還給乙方，視為甲方自動放棄回購權(quán)，并于三日內(nèi)無條件配合乙方辦理該房產(chǎn)產(chǎn)權(quán)手續(xù)。六、本協(xié)議一式兩份，雙方各持一份。甲方乙方法人代表法人代表10有限公司股東會決議有限公司于年月日召開股東會議。應(yīng)參加會議股東為人，實(shí)際參加會議股東人，符合公司章程規(guī)定，會議有效。與會股東就以特別優(yōu)惠價格向銷售商鋪和住宅事宜，經(jīng)過討論以舉手表決方式，以票贊成，票反對，通過了以下決議一、本公司以元每平方米的價格向銷售本企業(yè)號樓商鋪間，計(jì)平方米；11二、本公司以元每平方米的價格向銷售本企業(yè)號樓住宅套，計(jì)平方米；三、上述銷售合同等文件委托代為簽訂。與會股東簽名12河南XXXX置業(yè)有限公司XXXX小區(qū)短期房產(chǎn)投資項(xiàng)目監(jiān)管報告一、河南XXXX置業(yè)有限公司的基本情況河南XXXX置業(yè)有限公司成立于2005年5月。公司法定代表人XXX，營業(yè)執(zhí)照編號410000100014876，房地產(chǎn)開發(fā)資質(zhì)證編號為61841018455,開發(fā)登記為暫定。公司總經(jīng)理XXX，營銷總監(jiān)XXX。公司工商登記機(jī)關(guān)注冊信息如下注冊號410000100014876企業(yè)名稱河南XXXX置業(yè)有限公司法定代表人XXX住址/營業(yè)地址鄭州市XXX路XX號成立日期2005524核準(zhǔn)日期2007102核準(zhǔn)日期201059注冊資本1000萬元經(jīng)營范圍主營房地產(chǎn)開發(fā)與經(jīng)營（憑有效資質(zhì)證核定的范圍和期限經(jīng)營，未獲審批不得經(jīng)營）；建筑材料、裝飾材料銷售。經(jīng)營范圍兼營企業(yè)股東信息股東姓名出資方式XXX貨幣13XXX貨幣14序號56證號20080067地號JS115953土地使用者河南XXX置業(yè)有限公司使用權(quán)類型出讓原證號2004XXXX土地座落北XX南，XXX路東用途混合住宅圖號豫華2007115使用權(quán)面積平方米15,0057發(fā)證日期2008122終止日期2074117辦理類型轉(zhuǎn)讓批復(fù)號鄭國土資文2007395號審批時間2007629合同說明轉(zhuǎn)讓協(xié)議書合同時間200766轉(zhuǎn)讓金額3767085015二、XXX小區(qū)土地基本情況三、XXX小區(qū)基本情況1、主要客戶客源層次主要為35歲以下的現(xiàn)代都市白領(lǐng)階層產(chǎn)品分為2房、3房、4房、小戶型等四類產(chǎn)品。契稅1375028其他稅費(fèi)完評估價34375700增值稅備注開盤時間20086進(jìn)駐時間20096容積率449售樓處勞動路東，XX路南建筑結(jié)構(gòu)剪力墻綠化率35物業(yè)公司河南XXX物業(yè)服務(wù)有限公司交付標(biāo)準(zhǔn)毛坯國有土地使用證鄭國用（2008）第0067號建設(shè)工程規(guī)劃許可證（2008）鄭城規(guī)建管許字（0027）號建設(shè)用地規(guī)劃許可證（2006）鄭城規(guī)規(guī)管許字（0324）號施工許可證410102200804240101410102200804210101162、高度及等級小區(qū)住宅分為28層，32層兩類占地面積60畝，總建筑面積20萬平方米，（由8棟高層構(gòu)成，其中4棟28層、4棟32層），均為一類建筑，耐火等級為一級，抗震設(shè)防烈度為七度。另按人防設(shè)置要求設(shè)有五級和六級人防。住宅高度為30M（28層）、29M（32層）。3、交房標(biāo)準(zhǔn)住宅立面主要采用面磚，室內(nèi)做到毛坯房程度。公用部分內(nèi)墻涂料粉刷，地面鋪設(shè)地磚。屋面保溫采用擠塑聚苯板保溫，外墻保溫采用聚苯板保溫。四、工程建設(shè)情況工程由4棟28層、4棟32層，住宅高度為30M（28層）、29M（32層），均為一類建筑。工程的土建部分分兩個標(biāo)段施工。標(biāo)段名稱5、6、7、8及地下車庫工程規(guī)模108633結(jié)構(gòu)層數(shù)框剪結(jié)構(gòu)2732層，地下車庫框架二層施工單位河南省XXXX工程有限責(zé)任公司項(xiàng)目經(jīng)理XXX合同金額1245586萬元工期780天標(biāo)段名稱1、2、3、4樓工程規(guī)模811389817結(jié)構(gòu)層數(shù)剪力墻結(jié)構(gòu)地上28層,地下2層施工單位鄭州XXX建設(shè)有限公司項(xiàng)目經(jīng)理XXX合同金額9566萬元工期780天監(jiān)理單位河南XXX建設(shè)工程管理有限公司四、投資項(xiàng)目銷售情況房管局統(tǒng)計(jì)1、統(tǒng)計(jì)本銷售統(tǒng)計(jì)是指自項(xiàng)目開盤到現(xiàn)在，所有銷售的統(tǒng)計(jì)。總套數(shù)1491套總面積160340M2已售房均價271972元/M2可售套數(shù)64套可售面積10812M2已售套數(shù)1427套作廢率低于10認(rèn)購套數(shù)0套認(rèn)購面積0M22、30天銷售統(tǒng)計(jì)銷售套間數(shù)249套銷售房屋平均價266602元/M23、動態(tài)統(tǒng)計(jì)表樓棟名稱可售套數(shù)總套數(shù)認(rèn)購數(shù)建筑結(jié)構(gòu)預(yù)售證號3號樓121620鋼混21984號樓21530鋼混2198185號樓101840鋼混21986號樓11830鋼混21987號樓81830鋼混21988號樓44020鋼混21981號樓161120鋼混22362號樓111120鋼混2236四、投資項(xiàng)目的成本估算序號項(xiàng)目名稱單位數(shù)量單價合價備注1土地費(fèi)用11土地成本15,00572510437670850萬12土地契稅1375028萬土地出讓金42拆遷費(fèi)用3工程勘察、設(shè)計(jì)、三通一平212254前期報建費(fèi)用160340170272578萬1491574555工程建設(shè)費(fèi)用41土建費(fèi)用含電梯、消防等108633011461245587萬81139011799566萬42水表（一戶一表）戶5700043電表（一戶一表）戶680044有線電視及電信80045綠化、停車場、路燈等550046小區(qū)供電1250047小區(qū)排水、管網(wǎng)、供水設(shè)備等400048小區(qū)圍墻、電子安防180049污水處理15005項(xiàng)目管理費(fèi)從05年拿地19五、投資項(xiàng)目存在的主要風(fēng)險及防范、處置措施1、開發(fā)商的現(xiàn)金流問題鄭州市房管局的數(shù)據(jù)顯示該項(xiàng)目剩余可銷售面積為10812M2，據(jù)測算該項(xiàng)目已經(jīng)銷售面積為150812M2按照266602元/M2已售房均價計(jì)算，開發(fā)商已收回現(xiàn)金4億左右（該項(xiàng)目已經(jīng)具備按揭貸款的條件），剩余現(xiàn)金流入量在3000萬左右，按慣例未結(jié)算的工程款在2000萬以上。綜上所述，進(jìn)一步分析（1）、266602元/M2已售房均價證明該公司有大量的“房產(chǎn)回購業(yè)務(wù)”，因此財(cái)務(wù)費(fèi)用壓力應(yīng)比較大；（2）、現(xiàn)在處于非農(nóng)忙時節(jié)，故工程款支付壓力不應(yīng)很大。若該公司應(yīng)處在現(xiàn)金回流的晚期。開發(fā)商已收回4億現(xiàn)金如無別的項(xiàng)目，剩余現(xiàn)金流入量，現(xiàn)階段應(yīng)收回投資。處置措施（1）、密切關(guān)注該項(xiàng)目的一切情況，將該項(xiàng)目投資列為密切關(guān)注。到期收回不再展期。至完工，預(yù)計(jì)6年時間6營銷策劃費(fèi)7財(cái)務(wù)費(fèi)用8后期辦證費(fèi)用9不可預(yù)見費(fèi)用10稅費(fèi)商業(yè)1265計(jì)算住宅1115計(jì)算11綜合成本12開發(fā)利潤萬元13利潤率20（2）、要求企業(yè)提供貸款卡及密碼，查詢企業(yè)貸款余額和新發(fā)生情況。2、商品房買賣合同撤銷風(fēng)險由于本項(xiàng)目投資價款遠(yuǎn)遠(yuǎn)低于市場銷售價格，故根據(jù)合同法第五條、第五十四條第二款和最高人民法院在關(guān)于貫徹執(zhí)行中華人民共和國民法通則若干問題的意見（試行）第72條中規(guī)定（一方當(dāng)事人利用優(yōu)勢或者利用對方?jīng)]有經(jīng)驗(yàn)，致使雙方的權(quán)利與義務(wù)明顯違反公平、等價有償原則的，可以認(rèn)定為顯失公平），本項(xiàng)目投資所簽署的商品房買賣合同存在被撤銷的法律風(fēng)險。商品房買賣合同被撤銷后，我們投資可能淪為無抵押、不能優(yōu)先償還的一般債權(quán)。處置措施1、搜集所投資項(xiàng)目的成本資料,方便舉證2、建議以公證的方式將“鄭州市房管局通過商品房銷售系統(tǒng)公布的下列事實(shí)”取證已經(jīng)銷售1427套，已售房均價266602元/M2，最近30天銷售銷售銷售房屋平均價266602元/M2六、投資方案七、投資建議21內(nèi)部資料僅供參考內(nèi)部資料僅供參考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