To avoid postponing an unfinished construction project and hurting the right of the purchaser, and considering that a strengthened urban renewal mechanism may create a multi-win outcome to benefit the purchaser, the landlord, the builder and the insurance enterprise, the FSC amended Point 2 of the Directions for Disposal of Non-performing Loans by Insurance Enterprises, per the letter Ref. No. Jin-Guan-Bao-Cai-Zi No. 10402507621 dated 26 November 2015. The main point is:

To assist the purchaser to transfer the titles, if the builder fails to perform its obligations and the coordination is unsuccessful, the insurance enterprise may dispose of the non-performing loans upon approval of the board of directors. However, such non-performing loans disposal agreement shall stipulate that the buyer shall do its best to fight for the purchaser's rights.

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