Quick comments of Jingwei: No matter how difficult the property market is, you can’t engage in the down payment loan

Zhongxin Jingwei, August 12 (Xue Yufei) Zero down payment to buy a house again? According to media reports, the intermediary claims that Shenzhen Longgang Xincheng Xiyue City recently sold the listing of "0 down payment for three houses". In fact, it provides a down payment interest -free loan. The event was stopped for less than half a day, and it was stopped by the housing management department. All houses in the project were displayed as "branch lock". The developers involved in the "down payment installment" denied.

According to data from the National Bureau of Statistics, from January to June 2022, the sales area and sales of commercial housing nationwide decreased by 22.2%and 28.9%year-on-year, respectively. In the downturn period of the property market, in order to speed up sales, developers will always attract buyers to accelerate the entry through low down payment, down payment installment, down payment loan and other methods.

The ways of down payment in various places or down payment loans are similar. Some are the longer down payment time for buyers, wait for the down payment, and then apply for online signing and mortgage. Provide loans, and loans are divided into interest and interest. Buyers repay within a few years.

This way of reducing the pressure on the down payment of the buyer seems to be a win -win situation of the buyers, developers, and small loan companies, but contains high financial risks. At present, the minimum down payment ratio of house purchases in various places is mostly 20%or 30%. If the buyer cannot even pay this part of the money, it shows that there is a certain problem of its economic foundation. Once they rushed into the market, when the down payment repayment and the pressure of housing loan are pouring together , Its payment ability is worrying. If the economy fluctuates, the income of such home buying groups will decline, and the phenomenon of disconnection will be inevitable and even cause systemic financial risks.

Faced with market downturn and performance pressure, the psychology of developers' eager shipments can be understood, but some bottom lines still cannot break through. In the past many years, the lowest 20%down payment comparison is basically the bottom line of various places. It can not only prove that the buyer has a certain economic strength, but also reflects its future repayment capabilities to a certain extent, and has high rationality.

Therefore, no matter how difficult the market is, the down payment ratio cannot be descended without a bottom line, preventing buyers and speculation groups who have no repayment capabilities and the opportunity to pour into the market; no matter how much local fiscal pressure is, the relevant regulatory authorities will fight the down payment installment staging. In terms of down payment loans, you ca n’t be soft; no matter how much you want to buy a business, buyers must carefully evaluate their own strength, and they cannot blindly borrow and over -increase leverage. (For more report clues, please contact the author [email protected]) (Zhongxin Jingwei APP)

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Editor in charge: Luo Yan

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