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近年来,我国大部分城市房地产价格快速上涨,已远远超出其合理的价格区间和社会大众所能接受的范围,房地产市场成为各界关注的焦点。房地产价格的一路高歌猛进的原因是多方面的,但是非基于使用需要的房地产投机和炒作行为显然是其中的一个重要推手。为此,国务院及各级地方政府陆续出台了调控房地产市场的通知,但收效甚微。直至2010年《国务院关于坚决遏制部分城市房价过快上涨的通知》(国发[2010]10号)及2011年《关于进一步做好房地产市场调控工作有关问题的通知》(国办发[2011]1号)发布后,也就是俗称的限贷和限购政策发布后,房地产市场过热趋势才得以遏制。但另一方面,限购、限贷政策对房屋交易过户登记与住房按揭贷款的限制又引发了一系列的纠纷,对于这些纠纷的处理,实践中争议很大。本文拟结合仲裁办案实践,就限购、限贷政策下主要纠纷类型及其处理提出笔者的一些粗浅看法。
In recent years, the rapid rise of real estate prices in most cities in China has gone beyond its reasonable price range and acceptable range for the general public. The real estate market has become the focus of attention from all walks of life. Real estate prices all the way to triumph for many reasons, but non-based on the use of real estate speculation and speculation is clearly one of the important promoter. To this end, the State Council and local governments at all levels have issued a notice regulating the real estate market, but with little success. Until 2010, the “Notice of the State Council on resolutely curb excessive housing prices in some cities” (Guo Fa [2010] No.10) and the “Notice on Further Improving the Regulation and Control of the Real Estate Market” in 2011 (Guo Ban Fa [2011] 1) after the release, which is commonly known as the limit loan and purchase policy after the release of the real estate market overheating trend can be checked. However, on the other hand, the restriction of the restriction of purchase and loan restriction on the transfer of housing transactions and the restriction of housing mortgage loans triggered a series of disputes. The handling of these disputes is controversial in practice. This article intends to combine the practice of arbitration cases, put forward some superficial views on the main types of disputes and the handling under the restriction of purchase and loan restriction policy.