Madman Zhang San: That Hammer, You Are Finished

"No, it's fine!"

He Yingjun sneered at Lin He at first, and then said solemnly, "Managers, these are all the clients of your China Merchants Bank."

"I think, since people chose to borrow money from China Merchants Bank to buy a house, this in itself represents a kind of trust, trust."

"Now that there's a problem with the house and these customers can't repay the loan, that's understandable."

"This matter doesn't necessarily have to be brought to court, there may be a better solution."

"right?"

"What way?" Quan Hongyuan looked at He Yingjun with a surprised expression.

What kind of plane is this old man doing?

"For example, we can reconcile in private." He Yingjun said seriously.

Hearing He Yingjun's words, Quan Hongyuan looked ugly for a while, and said in a low voice, "Reconciliation, they want to terminate the loan contract with the bank."

"Riding on the horse, the money has been released. Once the contract is terminated, who will pay the money back?"

"Lawyer He, are you kidding me?"

Riding the horse, what the hell is going on with this He Yingjun.

On the way here, the cowhide bragged loudly, saying that he was 90% sure of winning the trial.

When I arrived at the court, why did I suddenly change my tune.

Son of a bitch, are you trying to make fun of Lao Tzu?

"Oh, yes!"

He Yingjun smiled awkwardly, and spread his hands to Lin He secretly, expressing that he had done his best, but the parties did not listen to the persuasion.

Seeing this, Lin He smiled and didn't speak.

...

At ten o'clock, the trial officially began.

Due to the limited seats in the plaintiff's seat, only Lin He and Bao Xinjue sat there, as for Ji Ying and the others, they sat in the auditorium.

In the dock, it was Quan Hongyuan and He Yingjun. In a place that Quan Hongyuan could not see, He Yingjun kept blinking at Lin He, trying to bring the relationship between the two closer.

When Lin He saw him trying so hard to show his kindness, he also showed a smile on his face to show kindness.

As the three judges entered the courtroom, everyone sat upright.

On the high platform, the presiding judge Zhang Yongan just touched the gavel in his right hand, ready to announce the start of the trial.

There was a slightly nervous voice next to him: "Old Zhang, don't hit the hammer, wait a moment."

Zhang Yongan looked at the colleague next to him with a puzzled look on his face.

"Cough, look at the plaintiff's seat," the colleague reminded.

Zhang Yongan said dissatisfiedly: "What, old Zhou, your kid is always babbling about recently...Fuck!"

Zhang Yongan was still complaining about his colleague, but when he saw the face of the young man in the plaintiff's box, he was suddenly shocked.

Isn't this my third brother in society? Why is he sitting on the plaintiff's seat today?

The moment he saw Lin He, Zhang Yongan felt that today's case was not that simple.

"Hehe, what's wrong with you, old Zhang?" Lao Zhou asked with a snicker.

"Old Zhou, you saved my life today. Thank you for your kindness. I'll invite you to drink in the evening." Zhang Yongan sneered, and unconsciously put down the hammer that was already in his hand.

"Xing Ang, Lao Zhang, remember what you say." Lao Zhou chuckled and said at the end, "But let me tell you, how will the case be tried today?"

"How else can the trial be done?" Zhang Yongan rolled his eyes, "Of course it's to seek justice for the plaintiff!"

Hearing what he said, the two colleagues looked at each other and saw a smile in each other's eyes.

It seems that today Lao Zhang is planning to follow his heart.

Zhang Yongan got up and coughed lightly, "Next, I announce that the plaintiffs Bao Xinjue, Ji Ying... sued the defendant Zhaocai Bank for dereliction of duty, and the trial is now open."

"Then the plaintiff is asked to file a complaint!"

From the moment he saw Lin He, Zhang Yongan wisely gave up his plan to hit the hammer in court today.

Lin He got up and said to the high platform: "Comrade Judge, during 2019-2020, five of my clients went through the loan purchase agreement with the defendant Zhaocai Bank to purchase the property in Guanlancheng Community, Bei'an District, Jiangcheng City. house."

"And the developers of Mission Hills City have also promised to hand over the property by September 2021 at the latest."

"But now it's July 2022, and the house in Guanlan City is still just a pile of foundations, and the delivery of the house is still far away."

"For this reason, my client has terminated the purchase contract with Dingsheng Real Estate."

"And my five parties still have to repay a mortgage ranging from 4,000-6,000 yuan to China Merchants Bank every month."

"According to Article 563 of the Civil Code: The client has the right to rescind the contract because the loan contract cannot achieve its purpose."

"Therefore, we hope that the court can rule that we terminate the loan contract with the bank."

After Lin He finished speaking, he handed Bao Xinjue's five people's cancellation of the house purchase contract to the clerk on the side.

After the clerk took over the contract, he immediately forwarded it to Zhang Yongan on the stage.

After Zhang Yongan and the three read a few contracts, he nodded secretly and unconsciously, and then his right hand unconsciously grabbed the small wooden hammer beside him.

However, the moment his fingers touched the small wooden hammer, it suddenly retracted, as if touching the tail of a scorpion.

Noticing the dissatisfied expressions of the two colleagues, Zhang Yongan sneered, and then said, "Next, please ask the defendant, China Merchants Bank, to make a refutation based on the accusation made by the plaintiff."

In the dock, He Yingjun got up and first carefully observed Lin He on the opposite side. Seeing that there was no red light in his eyes, he was relieved.

He Yingjun sighed in his heart, that's all, that's all, it's all here, let's try it anyway.

If he, the defendant's representative, didn't say a word in court, it would be too unreasonable.

In case... I can win Zhang San.

"Your Majesty, we cannot approve the plaintiff's lawyer's point of view."

"The customer signs a loan agreement with the bank. This is a matter for both parties, and it has little relationship with the developer."

"It is very unreasonable for the plaintiff's lawyer to terminate the loan contract with the bank just because the developer cannot deliver the house on time."

"In a word, our party is only responsible for the customer's loan approval and housing payment, and does not participate in the construction of the house."

"Therefore, the customer has no right to unilaterally terminate the loan contract with the bank."

After He Yingjun finished speaking, he has been carefully observing Lin He's face...

"Cough..." Zhang Yongan coughed lightly and said loudly: "Next, please continue to show the evidence and make a complaint."

Hearing this, Lin He chuckled and said, "The defendant's lawyer seems to have missed something."

"As far as I know, the responsibility of the bank is not just to approve the qualification of customers, and to issue a loan to buy a house."

"When building a real estate, the bank also plays the role of capital supervision. It will sign a tripartite agreement with the developer and the Urban Construction Bureau, and then set up a supervision account."

"The general content of the agreement is that as long as there is a large amount of money to be used, the three parties need to agree."

"In layman's terms, which floor of the building is built, and how much money will flow out of this supervision account, it needs to be discussed by the three parties together."

"Now, the developer has clearly informed us that the funds used to build the real estate have been fully cashed out."

"From this point of view, it seems that banks have not fulfilled their financial supervision responsibilities."

"It is also your dereliction of duty that has resulted in the misuse of funds, the unfinished business of the building, and the owner's failure to obtain the house."

"In this matter, the bank itself is at fault, and we have also terminated the commercial housing sales contract with the developer."

"After canceling the commercial housing sales contract, the loan contract we signed with the bank is meaningless."

"So, it is very reasonable for us to ask the bank to terminate the loan contract."

After Lin He finished speaking, he tapped his index finger on the table lightly, thinking in his mind whether he was going to enlarge the move, and suppressed the opposite side with red light.