网友炸锅！法院已判！楼盘烂尾可以不还房贷！现实案例...
<p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">最近，一个典型案例引起了购房者的普遍关注，法院判决烂尾楼盘可以不还房贷，这究竟是怎么回事？<br style="outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p></p><section style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); white-space: normal; max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-align: center; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; font-size: 15px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; font-size: 24px; color: rgb(142, 128, 111); font-weight: bold;">NO. 1｜</span><span style="margin: 0px; padding: 0px; max-width: 100%; font-size: 24px; color: rgb(74, 105, 118); font-weight: bold;">壹</span></span></section><p></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">事情是这样的。<br style="outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">2014年，许先生在嘉兴按揭购买了一套别墅，贷款总额为392万元。<br style="outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">2015年，许先生付了首付，银行正式批贷，按照规定将这笔钱打入开发商账户。</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">2018年，事情发生转折。开发商因为资金断裂，无法继续开发，宣布延期交付，在挣扎了半年之后，发现“无力回天”，向法院提交破产申请。</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">这个时候，许先生就需要面对两种情况。</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">第一种，如果房子符合交付标准，开发商则有义务配合许先生完成交房。</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">第二种，楼盘并未达到交付标准，那么法院会解除许先生与开发商此前签订的《商品房买卖合同》。</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">显然，许先生遇到了第2种情况，房子没了，可他还要继续还房贷。</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">许先生当然无法接受，遂决定不再还贷。</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; color: rgb(217, 33, 66);"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 15px;">可银行不乐意了。2020年，银行向法院起诉，要求许先生继续支付贷款，一审法院支持了银行的主张，认为开发商违约不影响许先生履行贷款合同，判定许先生偿还本息220余万元。</span></strong></span><span style="margin: 0px; padding: 0px; font-size: 15px;"></span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">不服一审判决的许先生选择继续上诉，终于，2022年2月，嘉兴中院作出了完全不同于一审的二审判决：银行败诉，许先生无需归还剩余贷款本息，200余万元贷款本息返还责任，由开发商承担。</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">那么房子烂尾了，买房人为什么还要还房贷？从一审到二审完全不同的判决又说明了什么问题？</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p></p><section style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><section style="margin: 0px; padding: 0px;"><section hm_fix="377:224" style="margin: 0px; padding: 0px;"><section style="margin: 0px; padding: 0px;"><section style="margin: 0px; padding: 0px; max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-align: center; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; letter-spacing: 1px; font-size: 24px; color: rgb(142, 128, 111); font-weight: bold; box-sizing: border-box !important; overflow-wrap: break-word !important;">NO. 2｜</span><span style="margin: 0px; padding: 0px; max-width: 100%; letter-spacing: 1px; font-size: 24px; color: rgb(74, 105, 118); font-weight: bold; box-sizing: border-box !important; overflow-wrap: break-word !important;">贰</span></section></section></section></section></section><p></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">这里需要明确的是，购房者贷款买房子，实际上签了两份合同，一份是与开发商签的购房合同；另一份是和银行签的贷款合同。<br style="outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">这两份合同的主体不同，一个是购房者和开发商；另一个借款人和银行。</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; color: rgb(217, 33, 66);"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 15px;">楼盘烂尾不能交付是开发商的责任，但和银行无关。正常的流程是由开发商退回购房款，再由买房人偿还银行。</span></strong></span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">开发商无法退款，买房人可起诉开发商，但不能以此为据不还银行的贷款。因此，也才有了我们前面所提到的：银行将许先生告上了法庭。</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">但嘉兴中院为什么会作出不同的二审判决？</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">首先法院认为银行《个人购房借款及担保合同》第38条是格式条款，部分约定刻意加重了许先生的责任，减轻了银行的责任，显失公平，对许先生不具有拘束力。</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">其次，2021年《最高人民法院关于审理商品房买卖合同纠纷案件适用法律若干问题的解释》第二十条规定：“商品房买卖合同被确认无效或者被撤销、解除后，商品房担保贷款合同也被解除的，出卖人（开发商）应当将收受的购房贷款和购房款的本金及利息分别返还担保权人（银行）和买受人（许先生）。”</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">许先生刚好满足商品房合同和贷款合同都无效的条件，因此由开发商还钱给银行和许先生，不由许先生承担剩下的房贷。</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">从国内司法的实践来看，几乎所有烂尾楼引起的购房者和银行之间的纠纷，法院都会判决银行胜诉。</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; color: rgb(217, 33, 66);"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 15px;">嘉兴的这起案例，无疑在类似事件中开启了一个好的先例，那么这起事件能否撬动整个“烂尾楼还贷”现象的变革呢？</span></strong></span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">许先生的经历，适合所有遇到烂尾问题的朋友吗？</span><span style="margin: 0px; padding: 0px; font-size: 15px;">恐怕不行！</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p></p><section style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); white-space: normal; max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-align: center; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; font-size: 24px; font-weight: bold; letter-spacing: 1px; max-width: 100%; color: rgb(142, 128, 111); box-sizing: border-box !important; overflow-wrap: break-word !important;">NO. 3｜</span><span style="margin: 0px; padding: 0px; color: rgb(74, 105, 118); font-size: 24px; font-weight: bold; letter-spacing: 1px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">叁</span></section><p></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">“嘉兴案”有一个重要前提，就是没有发生债务转移。而多数情况下，《商品房买卖合同》被解除，开发商会把钱退还给购房者，不会直接返给银行，这相当于债务转移。<br style="outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">而本案中开发商进入破产清算阶段，住房合同和借贷合同同时取消，由开发商自行承担银行贷款。</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; color: rgb(217, 33, 66);"><strong style="margin: 0px; padding: 0px; border: 0px;"><span style="margin: 0px; padding: 0px; font-size: 15px;">有些楼盘停工烂尾或只是暂时情况，开发商并没有进入破产清算阶段，债务还有被追回的可能。</span></strong></span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">如果你此时解除购房合同，跟开发商的关系就会从买卖关系变成债权债务关系，而买卖关系的还款优先级高于债权债务关系。这时即使你拿到了开发商的欠条，但欠条被兑现的可能性非常低。</span></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin: 0px 8px; padding: 0px; border: 0px; line-height: 1.8; color: rgb(51, 51, 51); font-family: Arial; white-space: normal; background-color: rgb(255, 255, 255);"><span style="margin: 0px; padding: 0px; font-size: 15px;">因此，遇到烂尾，千万不要盲目地与开发商解除购买合同，以及拒绝还贷！</span></p><p><br/></p><link rel="stylesheet" href="//bbs.quxian.net/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_BuE" id="wcn_editor_css"/>
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