Exposing the false "new mortgage policy" rumors have received millions of forwarding readings.

  In late August, rumors about "Shanghai will implement a new housing credit policy from September" and "the credit policy will be tightened greatly" were circulated on the Internet. During this period, the Shanghai real estate market shook a lot, and the number of first-hand housing contracts increased all the way. Some media recorded the data of Shanghai Real Estate Trading Center. As of 16: 15 on August 30, 1,470 new houses were sold in Shanghai that day, exceeding about 400 sets at the same time as the previous day, and surpassing 1,000 sets for four consecutive days.

  Because of the rumor that the "New Deal on Mortgage in September" stipulated that "after September, buyers who have been divorced for less than one year, the purchase restriction and loan policy should be handled according to the family situation before divorce", and even there was a wave of divorce in Shanghai, and the civil affairs department had to "limit the number".

  On August 29th, the Shanghai Municipal Commission of Housing and Urban-Rural Development responded to the "rumor of the new housing credit policy" through the "Shanghai Release", saying that "no such policy has been studied", but the market has not cooled down, and the rumor is still being forwarded and spread at a geometric speed.

  After the rumors appeared, the Shanghai police set up a task force to carry out investigations. On the evening of September 8, Shanghai police said that they had arrested seven people suspected of maliciously fabricating and spreading relevant rumors. At the same time, the Shanghai Netcom Office closed five WeChat WeChat official account according to law.

  On September 10, the relevant person in charge of the Ministry of Housing and Urban-Rural Development said that such rumors mislead consumers, disrupt market order and have a bad social impact. Many departments in Shanghai have seriously investigated and dealt with it, which is worthy of praise.

  Rumors get millions of forwarding readings.

  According to the police investigation, at 11 o’clock on August 22nd, Shen, the sales manager of Shanghai Jinfeng Yiju Real Estate Consulting Co., Ltd., posted a message in the employee WeChat exchange group of the company for three consecutive times: "It has been notified that due to the recent high land auction price, the municipal party committee will hold a meeting of various departments next week, and it is planned to adjust the bank loan policy from September. Please urge to handle the loan contract that has not been completed as soon as possible. This time, the credit policy will be tightened greatly." The rumor was spread to the well-known forum "Fence Network" in Shanghai, which caused widespread concern.

  On August 24th, Zhao, the district manager of "I love my family" real estate agency, and Zhang, a real estate salesman, also fabricated rumors in the WeChat group: "Urgent notice: I received a notice from the headquarters, and a new purchase restriction policy will be implemented in Shanghai from September 1st. The down payment for the first suite with loan records in China will be raised to 50%, and that for the second suite will be raised to 70%, regardless of local area, commercial and residential buildings, whether the loan is paid off or not, as long as there is loan records in China. Based on the online signing time, buying a house before September 1 is not affected by this policy. Customers who need to buy a house, please tell each other that time is limited. "

  On August 24th, Ni Mou, an employee of an IT company in Shanghai, deliberately fabricated a similar rumor to "attract attention" and posted it on the well-known forum "Fence Network" in Shanghai, which was quickly forwarded by a large number of netizens.

  These rumors quickly reached millions of readings and quickly fermented in the real estate market.

  The rumour maker admitted to fabricating policies for promotion.

  Why do these criminal suspects fabricate this information?

  It is understood that Shen’s company mainly acts as a primary agent for real estate. According to Shen’s own memory, the annual business volume reached more than 2 billion yuan. Among the projects represented by Shen’s company, there are 145 houses that have paid the deposit or the down payment, but they have not made loans for a long time. Shen said, "You have to sign a loan contract to complete the sales task, otherwise you won’t get a commission." In order to "stimulate" customers to go through the formalities as soon as possible, Shen compiled a "notice of new mortgage policy". After the employee WeChat group released the so-called "notice", Shen asked his 18 salesmen to inform their customers and speed up the signing process.

  On August 25th, Shen’s superior — — Yao, the regional director of Shanghai Jinfeng Yiju Real Estate Consulting Co., Ltd., made up the so-called "core content of the New Deal" after learning the above related rumors, and "the first set of houses and loans; Less than one year after the divorce, the content of "implementing the purchase restriction policy according to the family housing situation before the divorce" was "interpreted" and published in many WeChat groups such as the sales group of the real estate company, requiring its salesmen to contact customers quickly, speed up the signing progress and avoid the so-called "New Deal".

  As soon as the news came out, it caused buyers to pay close attention. According to the police, before August 31, almost all the 145 houses that had paid the deposit but did not apply for loans had completed the loan contract.

  Zhao and Zhang compiled the so-called "new mortgage policy" in the group to "stimulate" customers and "tighten the policy with loans and push hesitant customers".

  Real estate agents will be severely punished for rumors

  According to the police, after the rumors of the above three versions were distributed in large numbers, they were forwarded by netizens who were concerned about the property market and spread rapidly. After August 25th, a group of WeChat WeChat official account, such as "Directly Attacking Shanghai Property Market" and "Magic Watching the Property Market", spread the above rumors in large quantities, which directly led to consumers’ irrational seizure of houses and disrupted the stable and healthy development of Shanghai real estate market.

  Yang Hongxu, deputy dean of Shanghai Yiju Real Estate Research Institute, believes that the spread of rumors in the real estate market mainly comes from two aspects. "On the one hand, it comes from real estate agents. Intermediary companies want to sell houses and force orders. Some people try to force customers to place orders through negative or positive policies; On the other hand, it is related to the irregular release of network information. Some websites or public accounts are eye-catching and exaggerate news, providing channels and platforms for the dissemination of false information. "

  In response to this incident, people from the Shanghai Municipal Commission of Housing and Urban-Rural Development said that the information of government departments will be released through official channels such as official website, official media or holding press conferences. I hope citizens will pay attention to official sources and not listen to online rumors. Shanghai police said that cyberspace is not an extra-legal place, and the police will further unite with the network management department to resolutely crack down on rumors and rumors.

  The relevant person in charge of the Ministry of Housing and Urban-Rural Development said that since the beginning of this year, the Ministry of Housing and Urban-Rural Development has deployed special rectification activities for real estate agents. Once verified, all real estate agents who fabricate and spread rumors will be blacklisted according to law to clear out the real estate intermediary market; For real estate intermediaries who fabricate and spread rumors and have serious circumstances, once verified, they will all suspend business for rectification according to law. In the next step, the Ministry of Housing and Urban-Rural Development should supervise the typical cases that have been strongly reflected by the masses and have outstanding problems, effectively maintain market order and protect the legitimate rights and interests of consumers.

China Consumers Association sorts out the five "pit avoidance" guides to remind consumers to look more and ask more questions before buying a house.

  According to the statistics of complaints received by the National Consumers Association, in the third quarter of 2021, the National Consumers Association accepted a total of 258,232 consumer complaints, up 17.43% year-on-year, and solved 199,611 complaints, with a complaint resolution rate of 77.30%, saving consumers 335.14 million yuan. Among them, there were 2,929 complaints of double compensation due to fraudulent behavior of operators, and the amount of double compensation was 1.66 million yuan. Received 130,000 visits and consultations from consumers.

  First, the basic situation of complaints

  (A) the nature of the complaint analysis

  According to the nature of the complaint (as shown in Figure 1), after-sales service problems account for 30.80%, contract problems account for 25.37%, quality problems account for 20.68%, false propaganda problems account for 5.31%, price problems account for 4.24%, safety problems account for 3.53%, counterfeiting problems account for 1.82%, personal dignity problems account for 0.92% and measurement problems account for 0.76%.

Figure 1 Proportion Chart of Complaint Nature (%)

  Figure 1 Proportion Chart of Complaint Nature (%)

Table 1 Classification of Complaints by Nature

  Table 1 Classification of Complaints by Nature

  (B) Category analysis of goods and services

  Among all the complaints, there were 112,684 complaints about commodities, accounting for 43.64% of the total complaints, 136,665 complaints about services, accounting for 52.92% of the total complaints, and 8,883 complaints about other types, accounting for 3.44% of the total complaints.

  According to the complaint data of commodity categories in the third quarter of 2021 (as shown in Figure 2 and Table 2), the complaints of household electronic appliances, daily commodities, food, clothing, shoes and hats and transportation are in the top five.

Fig. 2 Complaint volume chart of commodity categories (unit: pieces)

  Fig. 2 Complaint volume chart of commodity categories (unit: pieces)

Table 2 Table 2 Changes of Complaints in Commodity Categories

  Table 2 Table 2 Changes of Complaints in Commodity Categories

  According to the complaint data of service categories in the third quarter of 2021 (as shown in Figure 3 and Table 3), life and social services, Internet services, education and training services, cultural entertainment and sports services and public facilities services rank among the top five in service complaints.

Fig. 3 Complaint Volume of Service Category (unit: pieces)

  Fig. 3 Complaint Volume of Service Category (unit: pieces)

Table 3 Table 3 Changes of Service Complaints

  Table 3 Table 3 Changes of Service Complaints

  (C) Analysis of changes in complaints about goods and services

  Among specific commodity complaints, the top five complaints are (as shown in Figure 4): food, automobiles and parts, clothing, communication products and shoes.

Figure 4 Top Ten Complaints in Commodity Segmentation (Unit: Pieces)

  Figure 4 Top Ten Complaints in Commodity Segmentation (Unit: Pieces)

  Among the specific service complaints, the top five complaints are (as shown in Figure 5) training service, commercial Internet service, network access service, catering service and fitness service. Due to the broken capital chain of some training institutions, the misappropriation of training fees and the inability to guarantee teachers, related complaints have increased, and many of them are group complaints, which are difficult to solve.

Figure 5 Top Ten Complaints in Service Subdivision (Unit: Pieces)

  Figure 5 Top Ten Complaints in Service Subdivision (Unit: Pieces)

  II. Special Report on Commercial Housing Complaints

  Housing demand is one of the most important consumption needs of ordinary people, and it is usually the biggest consumption in a single expenditure. Ordinary consumers are less frequent in commercial housing transactions, lack of relevant knowledge, and real estate transactions are related to many industries such as finance, which complicates the transaction of commercial housing. Consumers often have consumption disputes while realizing their housing needs through buying and selling commercial housing.

  (A) the quality of housing, hidden mystery hard to prevent.

  In terms of housing quality,The main problems complained by consumers are: first, the poor quality of the house, cracks in the wall and ceiling, sinking of the foundation, water leakage from the roof, and blocked pipeline leakage; Second, there are hidden mysteries in finely decorated rooms, such as false materials, high-end publicity, low-standard configuration, rough technology and poor quality; The third is to cut corners in concealed works and use inferior materials; Fourth, the layout of hydropower pipelines is not standardized, and unqualified and inferior materials are used.The quality of projects in the same residential area is similar, and it is easy to cause group complaints when there are quality problems; Fifth, the house has quality problems and is not maintained in time or the maintenance quality is poor.

  For example, in 2020, Ms. Zhang purchased a commercial house in Huangdao District, Qingdao, Shandong Province, and the developer promised to deliver the house in July 2021 at the latest. In June, 2021, the developer notified the delivery of the house. However, during the house inspection, Ms. Zhang found that the steel bar at the top of the kitchen of the house was leaking, the waterproof layer of the bathroom was not laid, and the height of the house did not meet the contract. She asked the developer to make rectification, but the developer always ignored it. After receiving the complaint, Qingdao Consumer Rights Protection Committee contacted the person in charge of the developer for investigation and verification. The person in charge said that the problem reflected by Ms. Zhang was true, and she would actively negotiate with Ms. Zhang in the later stage to properly handle the rectification plan proposed by Ms. Zhang.

  For another example, in August 2021, Mr. Jiang complained to the Committee of Shanghai Consumer Rights Protection Committee, and he bought a finely decorated house, which was accepted at the end of October 2020. Shortly after check-in, it was found that the walls of many rooms were moldy and seeping, the wallpaper fell off in a large area, and the ceiling was cracked, which was reported to the developer many times. The other party sent a construction team to repair them at home. Because of the use of inferior and smelly wallpaper, the problem of wall seepage and mildew was never solved, which brought great troubles to consumers’ normal life. Mr. Jiang believes that the developer’s construction quality is poor and requires a thorough solution to the problem. Developers insist that these are normal phenomena, not construction quality problems. Experts from Shanghai Consumer Protection Committee and Jiezhuang Office visited the site. After testing, it was found that the wall fell off to varying degrees and water seepage was caused by improper handling at the grassroots level. The developer should bear the maintenance responsibility and compensate the consumers for the losses caused by the construction quality. On September 8, 2021, after on-site mediation, the two parties reached a settlement, and the developer compensated the consumer for 20,000 yuan in cash at one time, which was repaired by the consumer.

  For another example, on September 6, 2020, more than 60 owners of a Hong Kong-branded building in Guangzhou collectively reported to the Guangzhou Consumer Council that there was a serious rust problem in the water pipes of the newly acquired building in the community. Corrosion of water pipes will affect the safety of water use and greatly shorten the normal service life of water pipes, which will pose a hidden danger to the quality of houses. Some owners hired people to replace the indoor water pipes themselves, but found that they failed to dig the main water pipes according to the indoor water supply and drainage layout diagram provided by the developer. Owners have repeatedly negotiated with developers through the property, questioning the quality of the project, demanding to provide household acceptance forms, water pipe material inspection reports and concealed engineering acceptance and other relevant documents, and replacing rusty water pipes. Developers have not responded positively, but only authorized property companies to explain that water pipe rust is a normal physical phenomenon. After the Guangzhou Consumer Council intervened in the mediation, it adopted the methods of enterprise interviews and media exposure to promote it layer by layer, and urged the developers to respond and deal with it. On March 26, 2021, the two sides reached a settlement.

  [Opinions of Consumers Association]

  Article 10 of the Supreme People’s Court’s Interpretation on Applicable Legal Issues in the Trial of Disputes over Commercial Housing Sales Contracts stipulates: "If the buyer requests to terminate the contract and compensate for the losses due to the serious impact of housing quality problems, it shall be supported. The house delivered for use has quality problems, and within the warranty period, the seller shall bear the responsibility for repair; If the seller refuses to repair or delays the repair within a reasonable period, the buyer may repair it by himself or by entrusting others. The repair costs and other losses caused during the repair period shall be borne by the seller. " Therefore, when the quality of the main structure of the house is unqualified and there are serious quality problems, which affect the living of consumers, consumers can ask for the termination of the contract and claim the developer to compensate for the losses. When there are non-serious quality problems such as water seepage and hollowing in the house, the developer shall undertake the warranty obligation and be liable for compensation for other losses caused during the warranty period.

  (two) the price increase, disguised to raise the selling price

  In terms of housing prices, the main problems complained by consumers are as follows: First, buying a house is required to buy renovation packages, upgrade packages and other expenses, thus raising housing prices in disguise. Some property consultants who sell real estate with lottery numbers implicitly tell buyers that they can’t sign a house purchase contract without buying a "decoration upgrade package"; The second isFree to collect fees other than the house price, such as group purchase fee, numbering fee, renovation fee, account opening fee, etc.;The third is to confuse the down payment, down payment, intention payment, etc. Some developers collect sincerity money when selling, and turn sincerity money into a deposit and issue a special receipt when choosing a house without the consent of consumers. Refund the refund on the grounds that the deposit is not refundable in case of dispute.

  For example, in May 2019, Mr. Jiang bought a house in a real estate in Nanjing, Jiangsu Province. When paying by credit card, Mr. Jiang was required to pay by two brushes, one was 2.76 million yuan and the other was 500,000 yuan. The unit names of the two receipts were different, of which 500,000 yuan was the renovation fee, and the receipt unit was a building decoration engineering company. At that time, the renovation project and standard were not given, and the content of 500,000 yuan renovation was not reflected in the contract. Later, it was learned that other owners of the same apartment with Mr. Jiang did not receive the renovation fee of 500 thousand yuan. On June 30, 2021, Mr. Jiang reported the relevant problems to Nanjing Consumers Association and asked for a refund of 500,000 yuan. After mediation by the staff of Nanjing Consumers Association Real Estate Consumer Rights Protection Committee, the company finally refunded 500,000 yuan to Mr. Jiang.

  For another example, on August 17, 2021, the Committee for the Protection of Consumer Rights and Interests of Huidong County, Liangshan Prefecture, Sichuan Province received a group complaint from several owners’ representatives in a certain district about a real estate development company illegally charging 841 owners’ natural gas account opening fees. After investigation, the real estate company recently asked the owners of the community to pay a natural gas account opening fee of 3,500 yuan per household, but the purchase contract stated that the water, electricity and gas links in the community should be delivered. After many unsuccessful negotiations with the company, the owners collectively complained to the Huidong County Consumer Council. County Consumer Council has organized both parties to conduct on-site mediation for many times. The real estate company said that the energy company wanted to charge this fee, but they just collected it, but failed to show any basis for charging the initial installation fee of natural gas. The Guiding Opinions on Standardizing the Installation Fees of Urban Gas Projects jointly issued by the National Development and Reform Commission, the Ministry of Housing and Urban-Rural Development and the General Administration of Market Supervision (NDRC Price [2019] No.1131) clearly stipulates that "the installation fees of gas projects within the red line of the supporting construction planning of new commercial housing shall be uniformly included in the development and construction costs of commercial housing, and real estate development enterprises and gas enterprises shall not separately charge the buyer." The staff of the Consumer Council explained the relevant contents to the real estate company in detail. After mediation, the real estate company made a promise to the owner that it would no longer charge the initial installation fee of natural gas, and it was not allowed to charge the fee in any name.

  For another example, on September 6, 2021, the Consumer Protection Committee of Lingbi County, Suzhou City, Anhui Province received a complaint from Ms. Chen, a consumer, saying that she went to a real estate project in Lingbi County to look at the house. The salesperson verbally publicized that the middle school of the community was the school district of No.6 Middle School. After repeated confirmation by the consumer, she decided to buy and pay a subscription fund of 20,000 yuan, and then changed to subscription under the guidance of the salesperson. On July 22, the Education Bureau issued a school district division document, and the junior middle school of the property was another school, which did not meet the original promise. On July 30th, the consumer asked the salesman to check out. The salesman insisted that it was the Sixth Middle School District. The consumer asked that the Sixth Middle School District be included in the contract, but the salesman disagreed. The consumer asked the real estate company to check out and refund the deposit. After receiving the complaint, after mediation by the staff, the operator refunded the consumer a house purchase deposit of 20,000 yuan.

  [Opinions of Consumers Association]

  Article 13 of the Price Law stipulates that business operators shall clearly mark the price when selling goods and providing services, and shall not sell at a higher price than the marked price, and shall not charge any unspecified fees. Article 4 of the Supreme People’s Court’s Interpretation on Several Issues Concerning the Application of Law in the Trial of Disputes over Commercial Housing Sales Contracts stipulates: "If the seller accepts a deposit from the buyer as a guarantee for concluding a commercial housing sales contract through subscription, ordering, reservation, etc., if the commercial housing sales contract cannot be concluded due to one of the parties, it shall be handled in accordance with the provisions of the law on deposit." Article 587 of the Civil Code stipulates: "If the debtor performs the debt, the deposit shall be used as the price or recovered. If the party paying the deposit fails to perform the debt or the performance of the debt does not conform to the agreement, so that the purpose of the contract cannot be achieved, it has no right to request the return of the deposit; If the party receiving the deposit fails to perform the debt or the performance of the debt does not conform to the agreement, so that the purpose of the contract cannot be achieved, the deposit shall be returned twice. " In the sale of commercial housing, developers often collect consumer fees in advance in various names, such as subscription fund, sincerity fund and queuing fee, and then convert them into deposit through contracts, which limits consumers’ right to terminate contracts and damages consumers’ rights and interests. Consumers should pay attention to the contents of relevant bills and contracts to prevent the name of payment from changing.

  (3) Concealing exaggeration and inducing buyers in violation of regulations.

  In terms of sales promotion, the main problems of consumer complaints are: first, concealing the nature of the house, inducing consumers to trade in violation of regulations, such as concealing the situation of limited sales (no transfer during the restricted sales period) and the property rights of the apartment (mostly 40 years), which harms consumers’ rights and interests; The second is to make false propaganda and false promises through pictures and words, on-site display, oral promises and other forms; The third is to induce unqualified consumers to buy houses in the name of assisting in handling loans; The fourth is to conceal important unfavorable factors and not fully fulfill the obligation of informing, such as the surrounding facilities; The fifth is to exaggerate the favorable conditions of promoting houses and induce transactions, such asSchool district room,Traffic conditions, etc.

  For example, on July 23, 2021, Ms. Consumer Gong came to the Consumer Protection Committee of pinghu city, Jiaxing City, Zhejiang Province to complain that she and her husband came to Pinghu two months ago and ordered a commercial house in a certain building in Danghu Street on June 13. At that time, she paid a earnest money of 200,000 yuan, and only had the subscription book and the receipt. She complained that the developer did not inform that the commercial house was located next to the crematorium when she bought it, and concealed important information, and asked the developer to return the house. The developer delayed and refused to return it. After the staff of pinghu city Consumer Protection Committee received the complaint, after many times of communication, the developer agreed to refund, and the consumer expressed satisfaction.

  For another example, on July 5, 2021, consumer Mr. Dong complained to Xiamen Consumer Rights Protection Committee, saying that he signed a commercial housing sales contract with a real estate development enterprise in Xiamen on May 15, 2018, and when he was ready to take over the house in September 2020, he found that it was impossible to clarify the nature and scope of the use of the garden and basement promised by the real estate development enterprise at the time of sale. Consumers have repeatedly asked real estate development enterprises to give relevant explanations and solutions, but after ten months, the other party still has no clear reply and sincerity to solve the problem. Xiamen Consumer Protection Committee immediately launched an investigation after receiving the complaint. The person in charge of the real estate development enterprise said that the nature of the garden before and after the original promise was shared by the owners and could not be given a clear property right. Finally, after many mediations, the real estate development enterprise compensated the consumer Mr. Dong for half a year’s property fee, and the consumer agreed.

  Another example is that in early May 2021, Mr. Zhong, a consumer, took a fancy to a 79-square-meter commercial house in a real estate sales department in Weiyuan County, Neijiang City, Sichuan Province, with a total house price of more than 330,000 yuan. Mr. Zhong told the sales staff that he might not be able to apply for a loan because of the credit problem, and the sales staff said that they had channels to help consumers successfully apply for a loan from the bank. Subsequently, the two sides signed an order contract, and the consumer paid 30% of the down payment by mortgage, totaling more than 100,000 yuan. The two sides agreed that the remaining 236,000 yuan would be assisted by the sales department to apply for a loan from the bank. As the loan was not approved, consumers could not afford the remaining house payment. In early June, consumers demanded to cancel the purchase contract and refund the house payment. The developer said that if the house purchase contract is terminated, it should pay 15% of the total house price as stipulated in the contract, totaling more than 50,000 yuan as liquidated damages. Repeated negotiations between the two sides failed, and consumers complained to Weiyuan County Consumer Protection Committee on July 1. After four times of on-site mediation organized by the staff, the developer finally agreed to refund the down payment of the consumer and terminate the contract.

  [Opinions of Consumers Association]

  Consumers have the right to know the real situation of the purchased house, including the house itself, supporting facilities and surrounding planning. Article 3 of the Supreme People’s Court’s Interpretation on Several Issues Concerning the Application of Laws in the Trial of Disputes over Commercial Housing Sales Contracts stipulates: "The sales advertisements and publicity materials of commercial housing are invitations to offer, but the explanations and promises made by the seller on the housing and related facilities within the scope of commercial housing development planning are specific and have a significant impact on the conclusion of commercial housing sales contracts and the determination of housing prices, which constitute an offer. Even if the explanation and promise are not included in the commercial housing sales contract, they should be the contents of the contract. If the parties violate it, they should bear the liability for breach of contract. " Article 15 of the Measures for the Administration of Commercial Housing Sales stipulates: "The parties concerned shall agree on the matters clearly stated in the advertisements and publicity materials for commercial housing sales issued by real estate development enterprises and real estate intermediary services." In addition, the Regulations on the Publication of Real Estate Advertisements stipulates that the contents of real estate advertisements shall not contain the promise of appreciation or return on investment, shall not indicate the location of the project by the time it takes for the project to reach a specific reference, shall not violate the relevant state regulations on price management, and shall not mislead and publicize the municipal conditions under planning or construction. For housing transactions, consumers should make reasonable arrangements based on their own credit conditions. If they do not meet the credit conditions, do not trust the promise of developers or intermediaries to help successfully handle loans.

  (4) Fancy breach of contract, refusing to take responsibility for various reasons.

  In terms of contract performance, the main problems of consumer complaints are as follows: First, the delivered house is inconsistent with the model house and loushu publicity. For example, the height of the building becomes lower and there are more beams; Second, the housing area has shrunk, which is inconsistent with the area agreed in the contract; Third, the developer delayed the delivery of the house and refused to bear the liability for breach of contract; Fourth, after the delivery of the house, it is impossible to assist the owner in handling the transfer in time; Fifth, green belts, fitness areas, etc. have not been delivered with the room or changed to other uses, such as changing swimming pools into parking spaces; Sixth, use supplementary agreements and special agreements to promote unfair format clauses.

  For example, in November 2019, Mr. Pan, a consumer in Tianchang City, Chuzhou, Anhui Province, ordered a house from a real estate company in Tianchang City. At the same time, he signed an agreement to return the house without reason. The agreement stipulated that the buyer had the right to return the house without reason at any time from the date of signing the Commercial House Sales Contract and the Agreement to the date of handling the check-in formalities. Since Mr. Pan signed the contract in November 2019, the real estate company has been unable to formally sign online, so it applied for no reason to check out on November 9, 2020. However, the real estate company did not give a refund for various reasons. In June 2021, Mr. Pan complained to the Tianchang Consumer Protection Committee. The Municipal Consumer Protection Committee immediately arranged a special investigation after receiving the complaint, and the consumer complaint was true. After communication and mediation by the staff of the Consumer Protection Committee, an agreement was finally reached: the accused real estate company arranged a special person to handle the refund, and the consumer received a check-out payment of more than 640,000 yuan in late July.

  Another example is that Ms. Zhang complained to the Xiamen Consumer Rights Protection Committee that she bought a property with an area of 84.08 square meters through a real estate development company in Xiamen on July 2, 2019. When the house was delivered on June 18, 2021, the acceptance materials submitted by the real estate company showed that the actual measured area was 83.28 square meters (the area difference was 0.8 square meters, and the price difference was 31,439.2 yuan), and the real estate company indicated that the price difference would not be refunded if the area difference was less than 1% as agreed in the contract. Paragraph 1 of Article 13, Chapter 5 of the Contract stipulates that the absolute value of the error ratio of the interior construction area is less than 3% (including 3%), and the house price shall be settled according to the facts. The supplementary agreement stipulates that when the absolute value of the error ratio of the construction area is greater than 1% and less than 3%, the house price shall be settled according to the contract unit price. Consumers think that the main contract is clear and there is no need to sign a supplementary agreement. The relevant content of the supplementary agreement is a complete deviation from the main contract. There is a dispute between buyers and sellers. After investigation, Xiamen Consumer Protection Committee organized both parties to conduct on-site mediation, and Ms. Zhang proposed a plan to exempt property fees for 1-2 years, but both parties failed to reach an agreement. Later, after telephone contact, the real estate company agreed to give a broken wall machine as compensation.

  For another example, on September 9, 2021, Mr. Wu complained to the Consumers Association of Zhenjiang City, Jiangsu Province that when signing the formal house purchase contract, Mr. Wu found that there were unequal clauses in the contract, and his liability for breach of contract was not equal to that of the developer. If Mr. Wu breached the contract, he would have to pay the developer three ten thousandths of the penalty for overdue payment, while the developer would only have to pay the consumer one thousandth of the penalty for overdue delivery. Mr. Wu objected to this clause. The developer said that the contract was a model contract provided by the Housing and Urban-Rural Development Bureau. If you have any questions, you should consult the Housing and Urban-Rural Development Bureau. The consumer consulted the Housing and Urban-Rural Development Bureau and replied that the model contract was provided by the Housing and Urban-Rural Development Bureau, but the specific content was negotiated between the developer and the consumer. If there were obviously unequal terms in the contract, it was definitely not acceptable. However, the developer insisted on changing the terms of the contract and asked Mr. Wu to continue to perform the contract. After mediation by the staff of Zhenjiang Consumers Association, the person in charge of the developer agreed to refund Mr. Wu’s deposit, and stated that all the legal responsibilities in the four real estate contracts for sale in Zhenjiang would be changed to reciprocal responsibilities. Mr. Wu expressed satisfaction with the result.

  [Opinions of Consumers Association]

  It is the duty of the operator to perform the contract according to law and deliver it qualified. According to the provisions of the Civil Code, business operators should fully perform their obligations in accordance with the agreement. If the performance does not meet the agreement, they should bear the liability for breach of contract in accordance with the contract. Article 30 of the Measures for the Administration of Commercial Housing Sales stipulates: "The real estate development enterprise shall deliver the commercial housing that meets the delivery conditions to the buyer on schedule in accordance with the contract. If it fails to deliver on time, the real estate development enterprise shall bear the liability for breach of contract. " Compared with consumers, developers belong to a strong side. Some developers use deposits to fix consumers first, and then "bypass" model contracts such as supplementary agreements to force consumers to accept unfair format clauses drawn up by them unilaterally, exclude and restrict consumers’ rights, increase consumers’ responsibilities, and reduce or exempt operators’ responsibilities. Consumers either accept unfair clauses or lose deposits, which is in a dilemma.This should be severely punished.

  (5) Housing agencies, be careful when they are mixed.

  In terms of housing agencies, the main problems of consumer complaints are: First, some housing agencies resort to deceit, such as publishing false housing information, opaque housing prices, concealing the real situation of housing, etc. Second, there are some phenomena of arbitrary charges, such as collecting agency fees and bank loan fees without telling or without the consent of consumers; Third, some housing agencies violate the rules, such as revealing personal information of buyers and sellers, promising to apply for bank loans, supervising funds for buyers instead of banks, and taking the purchase money for themselves or using it for other purposes; Fourth, some intermediary companies and staff confuse the concepts of online signing for filing, online signing for intermediary, mortgage, etc., misleading buyers, so that they can not realize online signing transfer after paying down payment and intermediary fees; Fifth, some use standard clauses to infringe upon the legitimate rights and interests of consumers or fail to perform in accordance with the contents of the contract.

  For example, in May 2021, Mr. Jiang from Taizhou City, Zhejiang Province purchased a second-hand house through Huangyan Kaihong Real Estate Agency. Later, when Mr. Jiang went through the transfer formalities, he had to pay 5.6% value-added tax and additional taxes in full because the property was less than two years old. Mr. Jiang thinks that the intermediary clearly introduced the property right of the property for more than two years, but now it is less than two years, which is inconsistent with the reality, so he complained to Taizhou huangyan district Consumer Rights Protection Committee. After receiving the complaint, the staff contacted both parties to mediate. Because the gap between the two parties’ demands for fee reduction was too large, the mediation was unsuccessful. Mr. Jiang said that it would be resolved through legal channels.

  Another example is that in July 2021, Ms. Wang bought a house through a real estate agent in Jiyuan City, Henan Province. On the day of signing the contract, Party A claimed that the real estate license was lost, and repeatedly guaranteed that the real estate area was 116 square meters. The consumer paid 50,000 yuan in advance to the real estate agent. Later, when consumers went to the bank to handle the loan procedures, they learned that the actual registered area of the property was 113.22 square meters, which was 2.78 square meters less than that in the contract. The consumer immediately reported the problem of area discrepancy with the real estate agent. After the intermediary learned it, it proposed to negotiate with Party A to reduce the original transaction price by 30,000 yuan, but Party A did not agree. The consumer asked for a refund of 50,000 yuan, and the person in charge of the real estate agent said that he could only refund 30,000 yuan. On September 3, consumers complained to Jiyuan Consumer Rights Protection Committee. After mediation, the three parties finally reduced the transaction price of the original contract by 20,000 yuan and reached a settlement agreement.

  [Opinions of Consumers Association]

  Article 22 of the Measures for the Administration of Real Estate Brokers stipulates: "When a real estate brokerage institution signs a house sale or lease brokerage service contract with a client, it shall check the house entrusted for sale or lease, the certificate of ownership of the house, the identity certificate of the client and other relevant materials, and shall prepare a housing condition statement. After the written consent of the client, the corresponding listing information can be released to the public. " Before signing the real estate brokerage service contract, the real estate brokerage agency and broker shall truthfully explain the relevant contents of the real estate brokerage service contract and the house sales contract to the client, and truthfully inform the rights and obligations of all parties.Real estate brokerage institutions and brokers who fail to fulfill their due obligations and cause losses to consumers shall be liable for compensation.

  III. Opinions of China Consumers Association on the commercial housing industry

  (a) adhere to the "housing", safeguard the healthy development of the real estate market and the legitimate rights and interests of housing consumers.With the continuous implementation of real estate control policies, the real estate industry has gradually entered an adjustment period. However, some real estate operators have not got rid of the seller’s market thinking, and are still using their strong position to "squeeze" consumers through various means to make profits. In the face of policy adjustment and market changes, relevant operators should change their business philosophy, strive for development by quality, seek benefits from service, base on long-term development, abandon short-sighted behavior, strictly implement relevant laws, regulations and policy documents such as the Civil Code, the Law on the Protection of Consumers’ Rights and Interests, the Urban Real Estate Management Law, the Measures for the Administration of Commercial Housing Sales, and the Interpretation of the Supreme People’s Court on Several Issues Concerning the Application of Laws in the Trial of Disputes over Commercial Housing Sales Contracts, so as to earnestly undertake due obligations and responsibilities and protect the legitimate rights and interests of buyers.

  (two) real estate enterprises should operate in good faith according to law, quality and quantity of qualified delivery.Real estate enterprises should ensure the quality of houses in strict accordance with building quality standards, deliver qualified houses and documents such as Residential Quality Guarantee and Residential Instruction Manual to consumers, and put an end to shoddy construction, Jerry-building, false propaganda, improper induction, unauthorized changes, arbitrary breach of contract, bundled price increases, arbitrary charges, overlord clauses, prevarication and other issues, and give back to the trust of consumers with good quality and sincere service. The project supervision unit shall give full play to its role, supervise the construction quality and strictly control it in accordance with laws, regulations and relevant technical standards, design documents and construction project contracts.

  (three) the housing intermediary institutions should strengthen management, effectively restrain employees, and earnestly fulfill their due obligations.We should strictly abide by the Measures for the Administration of Real Estate Brokers and other regulations, abide by professional norms and ethics, mark the service items, service contents, charging standards and related real estate prices and information in a prominent position in the business premises, carefully check the houses and house ownership certificates entrusted for sale or lease, the identity certificates of the clients and other relevant materials, and explain to consumers in detail the relevant contents of real estate brokerage service contracts, house sales contracts or house lease contracts, especially the real situation of houses and important contents related to consumers’ interests. Housing agencies should eliminate the information gap, provide convenience for all parties to the transaction, effectively enhance the service value, and put an end to publishing false information, concealing the real situation, using unfair format terms and other violations of consumers’ legitimate rights and interests.

  (4) Consumers should pay attention to seeing more and asking more questions when buying a house, and strengthen self-protection.It is necessary to carefully check the qualifications and credibility of real estate development enterprises and housing intermediaries. When buying a new house, pay attention to the State-owned Land Use Right Certificate, Construction Land Planning Permit, Construction Project Planning Permit, Construction Project Construction Permit, Commercial Housing Pre-sale Permit or Commercial Housing Sales Permit. For the location, environment and supporting facilities of the house, don’t trust verbal promises, and important contents must be written into the contract. Pay attention to the understanding of housing property rights, purchase restriction policies, loan conditions and other related content. If you don’t meet the conditions for buying a house, don’t take chances and hope that the operators will make false promises. Before signing the contract, you should carefully read and fully understand the terms of the contract, supplementary agreements and contract annexes, such as housing area, floor, housing number, housing price, delivery time, delivery standards, conditions for terminating the contract, and liabilities for breach of contract. We should pay attention to the preservation of the publicity materials, purchase contracts, payment bills, model housing materials and other evidence of real estate and intermediary, so as to safeguard their legitimate rights and interests. When accepting the house, the quality of the house project and supporting facilities should be checked and accepted one by one according to the standards agreed in the purchase contract, and records should be made. If conditions permit, relevant supervision institutions and professional house inspectors can be hired to check and accept together, and pay attention to checking and keeping the Residential Quality Guarantee and the Residential Instruction Manual. In case of disputes, safeguard rights in time according to law.

  Statistics of Complaints Accepted in the Third Quarter of 2021

  Completed by: China Consumers Association Unit: pieces

Audi night: SAIC Audi A7L//brand new concept car released

  [car home New Car Launches] On the evening of April 18th, SAIC Audi held an Audi Night event, and SAIC (|) was officially released.Audi A7L will be delivered in the first quarter of 2022.. At the same time, SAIC Audi’s first pure electric concept car was released, which is ——Audi Concept Shanghai. In the next three years, SAIC Audi will launch four models one after another, including fuel vehicles and new energy vehicles. Audi announced that it plans to achieve the goal of annual sales of 1 million vehicles in China in 2025.

Home of the car

Home of the car

Home of the car

Home of the car

Home of the car

Home of the car

SAIC Audi A7L

Home of the car

Home of the car

  Since the establishment of SAIC-Audi, we have speculated which product its domestic model is. With the exposure of a spy photo of a sedan Audi A7, we realized that SAIC-Audi did not introduce overseas Audi products into China in a hurry, but made localization adjustments for China consumers, which is the birth of Audi A7L. This release is the current version with a limited edition of 1,000 vehicles, which adopts the exclusive color of Qingshan Dai car paint, and each car will have its own number.

Home of the car

Home of the car

  SAIC Audi A7L based on MLB Evo platform is still eye-catching. The brand-new air intake grille is decorated with horizontal and vertical decorative strips, and the overall design is still the traditional hexagonal design of Audi family. LED laser matrix headlights also appear on the new car, which is the only model equipped with laser headlights in Audi domestic fuel vehicles.

SAIC Audi Audi A7L 2021 Advanced Edition

SAIC Audi Audi A7L 2021 Advanced Edition

  Regarding the headlights mentioned above, the Audi A7L adopts more advanced Audi intelligent laser headlights based on the high-definition matrix module. The headlight group of A7L contains 32 LED modules, which can be adjusted automatically according to the actual road conditions, and automatically avoid when other vehicles or pedestrians appear in the opposite direction. In this intelligent laser headlight system, there is an X-shaped optical focusing design, which increases the actual irradiation distance in the dark to twice that of ordinary LED headlights, that is, up to 600 meters. When the vehicle speed is above 70km/h, the headlights can be turned on intelligently and actively after sensor identification and processor calculation.

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  Audi A7L, which is designed with a sedan structure, abandons A7 Sportback’s slip-back style, while maintaining a low car height and lengthening the wheelbase, which also makes the car body more stretched. The borderless electric suction door that everyone is very fond of has been preserved, so Audi A7L is still a medium and large four-door coupe. Similar styles can be found in BMW 6 Series or 8 Series four-door coupe models.

Home of the car

  In contrast, the shape of the tail is the biggest change, but the overall design is actually very harmonious, and the design of the headlight group has not changed, and it can still present a handsome "light show". Curious about how long the new car is, the puzzle of friends has finally been solved. The length of SAIC Audi A7L is 5076mm and the wheelbase is 3026mm, which is 100mm longer than A7 Sportback and 98mm longer than A7 Sportback.

Home of the car

Home of the car

  SAIC Audi A7L based on MLB Evo platform has not changed in the overall interior design, and it is still a layered center console design, with full LCD instrument panel and central control upper and lower dual-screen design. If you are an old Audi fan, then this set of interiors will definitely attract you with MIB3 entertainment information system. On the basis of inheriting the Audi Asterix ecosystem, it will introduce apps commonly used by Chinese people such as Cool Music and Himalaya. In the future, Audi will also cooperate with Tencent for a new round to develop scene services such as WeChat.

Home of the car

Home of the car

  Don’t think that a new car will lose its sporty atmosphere without a slip back. Sports seats are still provided inside the new car, supplemented by diamond-shaped stitching, thus increasing the sense of luxury. Even the back row continues to use sports-style integrated seats. Of course, since the wheelbase has been lengthened, the comfort of the second row of passengers must be improved. In addition to the legroom, the rear independent dual-zone air conditioner and seat heating are all available.

Home of the car

  The first version of Audi A7L will be equipped with DAWS dynamic all-wheel steering technology, which is the first time that this technology has been applied to Audi domestic models. When the vehicle is turning at a speed below 60km/h, the rear wheel and the front wheel form a reverse direction, achieving a steering angle of at most 5 degrees, which can greatly reduce the turning diameter (1.1 meters). In the usage scene above 60km/h, the DAWS dynamic all-wheel steering technology can make the rear wheel and the front wheel coordinate steering, and can achieve up to 2. When running on the expressway, A7L can complete the lane change process faster and make the whole body slide obliquely.  

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  Audi A7L’s active air suspension can automatically adjust the height and damping hardness according to the vehicle speed, driving mode and road conditions, so as to ensure the comfort or movement during driving. For example, after driving at a high speed for a period of time, A7L can automatically reduce the height of the car body (down 10 mm) for better aerodynamics and lower fuel consumption and NVH. When dealing with some offroad conditions, the height of the car body can be automatically adjusted upwards (up to 20mm). 

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  In terms of power, the first SAIC Audi A7L 55TFSI quattro is equipped with a 3.0TFSI V6 engine and matched with a 48V light mixing system, with a maximum power of 250kW and a peak torque of 500 Nm. In terms of transmission, it is matched with a 7-speed dual-clutch gearbox and a quattro four-wheel drive system. It is worth mentioning that domestic models will be equipped with air suspension and four-wheel steering system.

● Audi Concept Shanghai concept car

Home of the car

  Although the Audi Concept Shanghai concept car still covers some positions as a whole, it is not difficult to see the overall design style. It is a product based on the MEB platform of Volkswagen Group, which is very similar to the Audi Q4 e-tron concept car released in 2019, but the details have been adjusted.

Home of the car

  The headlight group of the new car is still Audi’s usual LED pixel matrix design, and the iconic hexagonal air intake grille is made of semi-closed material similar to aluminum alloy style. At the same time, the front bumper design is the biggest feature that is different from Q4 e-tron, and adopts a triangular design similar to Audi e-tron.

Home of the car

Home of the car

Home of the car

  From the side, we can clearly see the body structure brought by MEB platform. At the same time, the new car is longer than the Q4 e-tron which has been mass-produced on the same platform. In contrast, the through taillight group is extremely simple in shape, and the interior is decorated with LED light sources, so the visual effect at night is excellent.

  In terms of power, SAIC Audi has not disclosed the power parameters of the new car for the time being, but we expect that the new car will share the powertrain with other Audi models on MEB platform after mass production, providing three power models, including single motor and front and rear dual motors: 35 e-tron, 40 e-tron and 50 e-tron. Officially, it has a maximum cruising range of 560km and a battery capacity of 83.4kWh.

Editor’s comment:

  This night activity of SAIC-Audi shows us the future development direction of Audi’s second joint venture company in China. In the era of smart cars and new energy vehicles, SAIC-Audi will continue to create products that belong to Audi’s luxury brand image for China consumers, and at the same time, it is embracing changes to meet more challenges in the new energy market through pure electric vehicles. In 2021, SAIC-Audi set sail, and we believe that this will also help Audi brand to go more steadily and further in China. (Text/car home Wuyuan)

Consumer complaints become pain points. Internet platform selling insurance will face strict supervision.

Note: The bar chart is the top 10 insurance companies (unit: piece) with complaints about Internet insurance consumption in 2018.

  On December 13th, some Internet insurance companies received the Regulation Measures for Internet Insurance Business (Draft for Comment) issued by the regulatory authorities on a small scale, which triggered a heated discussion in the industry. According to a survey conducted by Guangzhou Daily’s all-media reporters, Internet insurance has been questioned constantly, among which Beijing Huaxia Insurance Brokerage Co., Ltd. and Beijing United Insurance Brokerage Co., Ltd., which are wholly-owned by Headlines today, have attracted much attention. Yesterday, the Guangzhou Daily reporter learned about the questioning of relevant compliance from today’s headlines, and the headlines said that they would not comment.

  Guangzhou Daily All-Media Reporter Chen Lili and Ni Ming

  Phenomenon 1: The compliance of insurance sales on content platforms is questioned.

  "Many third-party platforms get insurance brokerage licenses by acquiring insurance brokerage companies, thus getting involved in the insurance industry." An insurance expert who did not want to be named said that the compliance of such platforms to carry out Internet insurance business was questioned. The reporter found that there are three kinds of Internet insurance brokerage platforms at present: Internet intermediary channels, Internet scene channels and Internet traffic channels. Internet platforms have become the first type of enterprises to test Internet insurance.

  The reporter found that there are more doubts about the compliance of content platforms selling insurance. Among them, today’s headline parent company Fujian ByteDance Technology Co., Ltd. acquired 100% equity of Beijing Huaxia Insurance Brokerage Co., Ltd., and after winning the insurance brokerage license, its business compliance has been questioned.

  However, yesterday, the reporter searched for the "number one insurance" (the exclusive service insurance platform for headline users) on its APP platform. At present, more than 20 insurance products are in normal sale. Regarding the voices questioned by the outside world, yesterday’s headlines said that they would not comment.

  The voice of doubt is unique. Xuzhou Business Department of Beijing United Insurance Brokerage Co., Ltd. was also warned by Jiangsu Supervision Bureau of China Banking and Insurance Regulatory Commission, China, and fined 20,000 yuan for compliance problems. As an insurance broker, when he undertook the business record account of personal accident insurance, a kindergarten student in a certain city in 2016-2017 and 2017-2018, more than 250,000 people failed to record the insured’s name, insurance amount, insurance premium delivery, etc., and after registering the "XXX Online" website with Jiangsu in October 2016, the insurance brokerage business was carried out through the above platform without the authorization and permission of Beijing United Insurance Brokerage Co., Ltd., and the relevant website was not on the website of insurance association of china.

  Phenomenon 2: Internet insurance consumer complaints become a pain point

  With the rapid development of Internet insurance, while providing consumers with convenient purchase methods, consumer complaints have also soared. In the first three quarters, the data released by China Banking and Insurance Regulatory Commission showed that Yi ‘an Property Insurance and Anxin Property Insurance were the first and second places where property insurance companies were suspected of violating laws and regulations, including 308 complaints against Yi ‘an Property Insurance, up by 30,700% year-on-year; There were 99 complaints about Anxin Property Insurance, up 4850% year-on-year.

  The reporter found that the top 100 million premium complaints are still mostly professional Internet insurance companies, among which the top two complaints are Yi ‘an Property Insurance with 113.97 pieces/100 million yuan and Anxin Property Insurance with 69.62 pieces/100 million yuan.

  According to the statistics of last year, in 2018, China Banking and Insurance Regulatory Commission and its agencies received 10,531 complaints about Internet insurance consumption, up by 121.01% year-on-year. Among them, 8484 property insurance companies were involved, up 128.25% year-on-year; 2,047 personal insurance companies were involved, up 95.32% year-on-year. It mainly reflects the problems of insufficient or ambiguous sales notification, unreasonable claims conditions, insufficient reasons for refusing compensation, bundled sales of insurance products, automatic renewal of insurance without consent and so on.

  The public is worried: What should I do if the Internet platform runs away?

  "It is really convenient to buy insurance on the Internet platform. What should I do if the owner of the Internet platform runs away?" For the concerns of many citizens, industry insiders admit that although consumers buy online insurance from the Internet platform, the insurance companies are the ones who finally underwrite, underwrite and settle claims.

  The exposure draft has stricter regulatory requirements on the platform, defines the self-operated network platform and the third-party network platform, and makes it clear that the customer insurance page in the internet insurance business must belong to the self-operated network platform of insurance institutions, and it is clear that it can only be promoted but not sold, and the links need to jump, and customer information cannot be withheld.

  Key factor: claim settlement becomes a concern.

  "It is really convenient to buy insurance on the Internet platform, and the supervision is becoming more and more strict. I believe that the compliance issue will continue to improve, but it is really necessary to question whether the claims are reliable." People in the industry admit that online insurance, where the insured is located, has a branch of the corresponding insurance company. This situation is relatively simple, but if the insurance company is in a different place, or there is no local branch, then the time spent by the insurance company is difficult to guarantee.

  The reporter learned that Yi ‘an Property Insurance was criticized by the regulatory authorities because of the limitation of claims. From June to August, 2019, China Banking and Insurance Regulatory Commission accepted 266 complaints about Internet insurance consumption that reflected the alleged violation of laws and regulations of Yi ‘an Property Insurance, which focused on the limitation of claims of Yi ‘an Property Insurance, involving 270 claims. After investigation, there was a problem that 234 claims were approved beyond the time limit. Specifically, Yi ‘an Property Insurance failed to approve the claims within 30 days after the consumer provided the claims certificate and materials, which violated the provisions of Article 23 of the Insurance Law. The average approval time of 234 overdue claims was 55 days, of which 180 claims were approved within 31-60 days, 42 claims were approved within 61-90 days, 7 claims were approved for more than 90 days, and 5 claims were not approved when they were investigated in China Banking and Insurance Regulatory Commission.

  Consumer suggestion: Buy Internet insurance products through formal channels.

  Faced with the current situation of internet insurance, the regulatory authorities believe that the purchase of insurance products through internet channels should be "three attentions". First, pay attention to channels, and consumers should pay attention to buying internet insurance products from formal channels such as online shopping malls of insurance companies and third-party network platforms that cooperate with insurance companies; Second, pay attention to qualifications. Consumers should pay attention to whether Internet insurance business operators have corresponding qualifications and do not buy products sold by unqualified subjects; The third is to pay attention to the products, to identify the authenticity of the purchased products, to read the insurance clauses carefully, and to fully understand the scope of protection and exemption of insurance products.

  In addition, because it is quite convenient to buy insurance on the Internet platform now, the regulatory authorities reminded that it is clear that buying insurance requires "four looks". The first thing is to look at the demand, that is, to choose the right product according to your family situation and your life stage; Secondly, we should look at the products and buy the corresponding products according to the demand. We should not compare insurance with financial products such as bank deposits, government bonds and funds, let alone use it as a substitute for bank deposits. The third is to look at income. Life insurance premiums for more than one year are divided into one-time payment and installment payment. Consumers should consider choosing insurance products with appropriate payment methods. Generally speaking, the premium expenditure is between 5% and 15% of the annual income. Fourth, look at the terms, we must carefully read the contract terms, especially the coverage and exemption clauses of insurance products, and fully enjoy the risk protection function of insurance.

  The insiders also reminded that it is best to contact the service platform first to report claims, and under its guidance, collect claims materials and submit them for review. In the case of different places, because it is impossible for insurance companies to go to the field for verification, they will generally recognize the identification of two institutions: the relevant certificates of the public security organs and the diagnosis certificate of the hospital.

It has been half a year since I picked up the car. Let’s talk about the experience of using the dark blue SL03.

Dark Blue SL03 2022 Extended Range Edition 1200km
Average fuel consumption: 180.00km
First of all, if you are a young person who likes driving fun, then this car is definitely not for you, whether it is the chassis, or the power, or the steering feel, can not arouse your driving desire, this is a real grocery shopping car. If you hate the hard chassis adjustment, then the dark blue is not for you, including the S7.
As a veteran "high-priced buyer", his mood gradually calmed down after experiencing the pain. Putting aside the issue of price reduction, at 17W, this is a new energy vehicle that is easy to drive, balanced in configuration, and low in cost. At 15W, this is a new energy vehicle with a leapfrog size, easy to drive, extremely high configuration, low cost of use, and a slightly luxurious interior.
Before choosing, you must first clarify your needs, rather than directly choose the range extension according to your own budget and shallow understanding. The range extension version can maximize the benefits for people who have fixed charging piles and have long-distance needs. The cost of commuting in the city is extremely low, and pure electric driving is both quiet and responsive. The vibration and wind noise of high-speed driving will also mask the noise and vibration of the range extender. The driving texture can take into account each other in both parts, giving the impression of light, easy to drive, quiet and calm. Of course, this lightness is limited to 0-80, and the acceleration will drop rapidly after exceeding 80. After all, this is a REEV. The engine does not directly participate in the drive, and the acceleration in the middle and rear sections will make people feel more meaty.
In high-speed driving, whether it is high-speed mode or mountain mode, the speed is kept within 130, and there will be no power loss. The range extender is always kept in the highest efficiency range, and the power will only be increased when the power is low. Generally, the remaining power of the power battery can be maintained, so there is no need to worry. Then there is the NVH performance, which can only be said to be at the upper level when placed at 17W, but after all, it is a frameless door, and the window sealing itself is insufficient. Noise can easily enter the car from the window. The chassis lacks armor spraying, and the wheel arch plastic plate does not have corresponding vibration and sound insulation. The NVH performance of non-paved roads is average.
After saying it first, I will never let go of the shortcomings. The most unsatisfactory thing is the attitude of dark blue. Put aside the price reduction, I bought a car of 170,000 or 180,000 yuan. There was no decent car pickup ceremony, the key was not put in the box, the attitude of the staff was not good, and there were errors in the payment process. The after-sales part was also not good. The master’s operation was very rough. The film had gray and bubbles, and the cut film was directly thrown on the cover of the machine, causing a large number of fine scratches. The disassembly process of the first guarantee did not have a scratch-proof cushion, and the metal crowbar was directly used to operate, causing irreversible scratches. There are also riders who did not fully screw back the screws after the first guarantee, resulting in the daytime running lights falling off during the second maintenance inspection. It cannot be ruled out that it is the after-sales problem of some 4S stores, but the after-sales and sales attitude is absolutely sorry for the price. It is also difficult to accept.
The second is the chassis adjustment, which is divided into two parts. The first is the lack of rigidity of the body, and there will be obvious rapid rebound when passing the speed bump, which is a typical lack of rigidity. The second point is the front axle vibration and the rear axle underdamping. The front axle vibration is especially obvious when passing the speed bump quickly, instantly breaking your original wrong perception of the chassis as "solid, flexible and advanced". The front suspension will occasionally show flaws in the urban area. The rear suspension part is more serious, and it is also the part that is complained the most by riders. It is mainly reflected in the large-scale compression and rapid compression sections, such as bridge head jumping. The compression and rebound damping of the rear shock absorber are insufficient, so that the rear of the car will experience obvious instability during rapid compression and large-scale compression. It will not stop until three or four times after the pendulum, which is not clean enough, which will deal a blow to driving confidence and have a great impact on the riding experience.
Then there is the space level. I don’t have much perception of space. There are almost no people sitting in the back row, but the backrest angle and leg support in the back row are obviously insufficient. The platform itself is high, so it should not be too comfortable for long-distance travel. There are two culprits. One is that dark blue is for concave shape, resulting in a small longitudinal space in the back row, and the backrest angle cannot be further enlarged. The second is that dark blue sacrifices this part of comfort for greater trunk capacity. Fortunately, the rear seats are thick enough and the space is large enough. You can find a suitable position even if you sit down a little.
Finally, there is the driving level. The steering wheel feel, chassis adjustment and body size are the parts that I think affect the driving pleasure the most. The steering wheel feel is very vague, the feedback is less and not delicate enough, and there are still some steering positions in the front section. After the end, you don’t know where the limit of the front wheel is, and you don’t know what it is doing. Electric power at low speed will bring a very light steering feel, but the speed gain is not linear enough. The speed immediately becomes heavy, which is not natural enough, but the stability at high speed will be very good. The whole steering set does not give a good impression. We talked about it in front of the chassis level. The front suspension is hard and can convey the road feel, but the lack of damping at the rear suspension will affect your confidence immediately. After you try Push, you will immediately give up and admit that this is a grocery car. Finally, there is the body size. The 2900 wheelbase is really not conducive to sportiness. The steering tail follows slowly, and the steering radius is large. As soon as you go up the mountain, there will be flaws. Deep Blue will use its 1.8-ton weight and nearly 5-meter length to tell you that it is really not suitable for mountain roads.
All of this is combined into one. The appearance is sporty and sharp, the interior is warm and household, the chassis doesn’t stick anywhere, and the steering wheel is inserted into the paste sewing monster. There is no place for the taste, which is the biggest problem in Changan. It won’t be an expensive car at all.
But I bought it all, right? I can’t sell it right away, so I posted a wave of AMG mountain gray car clothes, at least it still feels a little pleasing to the eye every day. I also completely gave up taking it to the mountains to find happiness. It’s really unwilling.


Geely nova, the more spy photos are exposed! Changing the penetrating headlight 2.0T is more powerful.

The online auto market has obtained the road test spy photos of Geely’s new Xingyue L, and the front face of the new car adopts a more recognizable penetrating light strip. The new Xingyue L will also upgrade the powertrain, and it is expected that it will be replaced with the same 2.0T high-power engine of Lectra 03(CMA platform), which is more powerful than the current one. The plan shows that the new car will be listed in the second half of this year.

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 1

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 2

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 1

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 3

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 4

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 5

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 6

The picture shows the interior of Bo Yue L.

The front face of the new Xingyue L follows the straight waterfall air intake grille, and the dot matrix through light strip is added above, and the headlight groups and bumper shapes on both sides will also be adjusted. Referring to the new Xingrui, it is expected that the new car will also provide new style wheels and change new shapes to run through the taillights. The new Xingyue L interior or the same interior design of Bo Yue L will be equipped with the latest high-end intelligent driving system.

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 1

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 2

The new Xingyue L fuel version will continue to be equipped with a 2.0T engine, which is divided into low/high power adjustments, and the high power parameters are expected to be further improved, matching with a 7-speed dual clutch or an 8-speed automatic gearbox; The hybrid version of oil and electricity is expected to be equipped with the same 1.5T engine of the new Xingrui HEV, with a slight increase in maximum power.

This article is reproduced from the online auto market. The purpose of reprinting this article on this website is to convey more information, which does not mean agreeing with its views and being responsible for its authenticity. If the content, copyright and other issues of the work are involved, please contact this website within 30 days, and we will delete the content as soon as possible. This website has the final right to interpret this statement.

Look at Chinese football! The film channel broadcasts the national theme film "Grab the Fireworks"


Special feature of 1905 film network Speed, bravery and fierceness … … This is a contest between strength and wisdom! It is the favorite of the brave! Fireworks grabbing is a sport for the brave, and it is known as "Eastern Rugby". It is popular among Zhuang and other ethnic minorities, and it is a traditional folk sports activity with strong national characteristics. It has a history of more than 500 years.


Every year, on the third day of the third lunar month, the Zhuang compatriots will hold a "fireworks grab" on this day.



Those who grab the fireworks indicate that the next year will be rich, prosperous and prosperous, and winning the first fireworks is a symbol of a beautiful year, representing the glory and blessing of the new year.At 20: 15 pm on April 28th, the minority sports film produced by the film channel., will be the story of Zhuang youth in Yunling Town, northern Guangdong Province, participating in the city’s minority games.Xu ZhanOpen.


The life of Zhuang people in remote mountainous areas exudes a strong local flavor, which we are not familiar with at ordinary times. This film can let more audiences know about the national sport of "Fireworks Grab" and feel the new atmosphere of beautiful countryside from a small perspective.


In order to renew the store for his girlfriend, earn money to buy a house and get married, the land flying (decoration) volunteered with the simplest utilitarian motive and teamed up to represent the town in the fireworks competition.He gathered a group of idle and confused Zhuang youths together, raised the team flag in the training ground and built the Yunling Flying Leopard Team.



On the land, I flew to find some young Zhuang people with special talents, such as Iron Head Kung Ah Quan, Scud Monkey, Hercules Down Brothers, Invincible Straw Pack Four Seas, Singer Shisanlang and Orchid Finger Long Hair.These young people have their own characteristics, but they all have their own difficulties. They are not perfect and even have many shortcomings, and the fireworks competition has rekindled their hopes.



"Yunling teenagers have high ambitions, and Qi Xin works together to win fireworks."In order to prove their value, this group of "teenagers" shed sweat and enthusiasm on the training ground. In the arena, they violently robbed, hid or threw, and the atmosphere was tense, warm and exciting.


During the training and competition of fireworks, the lives of these young people have changed dramatically.Sports competition inspired their high morale and courage to work hard. They bid farewell to their past selves, and the original Yunling Flying Leopard team became a brave champion.



With the collective efforts, they gained friendship, self-esteem, love and dreams, and completed their self-growth.Sharpen a sword every ten years. The film has gone through 12 years from planning and preparation to release, and the creative team has put a lot of effort into it. 


The director of the film said: "We strive to make" Fireworks Grab "a masterpiece with ideological, artistic and commercial features."


In order to make this film well, the director is very strict in the choice of actors.In order to select the fireworks team actors with good physical quality, he requires professional actors who have played the habit and physical strength of the whole basketball game or half-court football game every week to be eligible to run for the role.


Before shooting, the director dragged all the actors to the shooting location to live and train with the local real fireworks players. After more than half a month’s study, almost all the actors were exposed to the sun. During the training, these actors gradually became real fireworks players.


In the process of shooting, all the actions of training and competition must be completed by the actors themselves. Because of the fierceness of sports competition, actors are constantly injured to varying degrees, but no one has backed out because of this, but the more they fight, the braver they become.



As we all know, sports plays are not easy to shoot, and it is even more difficult to shoot well, which is especially difficult for small-budget films.


In order to enhance the visibility of the film, the director used some skills of China Wushu for reference, designed many difficult movements with acrobatic performances, and incorporated them into the fireworks competition, which showed us the new expansion and new realm of sports-themed films. 



As an intangible cultural heritage, the fireworks grab is a folk cultural symbol and a carrier of national memory inheritance. 


The film "Fireworks Grab" not only presents the traditional custom and sports of Fireworks Grab to the audience more vividly and truly, but also promotes the inheritance and promotion of China’s national tradition and folk sports culture through the film.This era needs this kind of good film full of positive energy and giving people spiritual baptism.


For example, Tang Ke, director of the film channel creation department, said: "The biggest feature of this film is that it has achieved a mix of genres, and it is a film with real low cost, positive energy and great feelings."


Therefore, this film, which was filmed in Lianshan, Qingyuan, Guangdong Province, integrates love, sports, intangible cultural heritage, ethnic minorities and positive energy, and pays attention to the life and destiny of ordinary Zhuang people in remote mountainous areas. From the shooting to the completion of production, it has received attention and appreciation from all walks of life.


Tan Zheng, editor-in-chief of Film Art, said: "This film has fully recorded and presented the folk custom of’ fireworks grabbing’ with vivid and rich images, which is a powerful fulcrum for the development and inheritance of folk culture. In addition, it is also related to the development and protection of minority cultures, which can attract everyone’s attention and attention. "



It is reported that the creative team has donated the film copy to China Film Archive for permanent preservation, so that more people can learn about China folk sports and protect and inherit the intangible culture.


"Flying leopards in Yunling, who dare to grab fireworks, are all heroes.""Fireworks" inherits not only the sport of fireworks, but also the spirit of endless and tenacious struggle!


At 20:15 on April 28th, the movie "Grab the Fireworks" produced by the movie channel will meet with you for the first time. Let us appreciate the cultural value and spiritual charm of folk sports together!