Shenzhen's first residential market "0 down payment" to buy three -bedroom marketing activities was stopped by the housing management department as soon as it was launched.The Shenzhen Real Estate Intermediary Association issued a solemn reminder on Friday (August 12), pointing out that the "zero down payment" not only cannot fundamentally solve the problem of the shortage of funds for home buyers, but also needs to use the down payment high -interest paid, virtual high -rate evaluation price fraud loanThe unconventional operation is realized, thereby greatly increasing the burden of consumer loan interest and the monthly payment of mortgages.
According to the 21st century economic newspaper, the specific operation method of the real estate "0" down payment is: First of allThe third party was then lent to buyers up to 1 million yuan as the down payment.Customers need to pay 100,000 yuan first, and buyers will pay off the "down payment" through five years.It is equivalent to the first issue of only 200,000.The Shenzhen Real Estate Intermediary Association issued a solemn reminder about the risk of "zero down payment".The prompt wrote that the "zero down payment" cannot fundamentally solve the problem of shortage of home buyers, but also needs to be realized with unconventional operations such as high -interest cashes for down payment, virtual high -appraisal cheating loans, etc., thereby greatly increasing consumer loan interest interestAnd the burden on the monthly payment of the mortgage.
Some illegal operations involved in the "zero down payment" cannot be clearly agreed in the contract (even if it agreed, its effectiveness is difficult to recognize by law).For losses, consumers will be difficult to account for claims in accordance with the law, "zero down payment" and low down payment, as well as risk of being rejected and breach of contract by banks. At that time, not only will they face lawsuits, they will not be able to get a house, but also take a lot of energy.
Reporting pointed out that the above -mentioned real estate involved is Xincheng Yuecheng, located in Longgang Street, Longgang District, Shenzhen.According to Shenzhen Real Estate Information Platform, the project development enterprise is Shenzhen Shenrunchuan Industrial Co., Ltd. (hereinafter referred to as Shenrunchuan), and the property management company is Shenzhen Xincheng Property Management Co., Ltd.On March 29th and July 21st this year, the four buildings of the four buildings of Xuncheng Yuecheng were approved for pre -sale permits twice, which will launch a three -way three -bedroom three -bedroom three -bedroom three -way in the south of the construction surface.39500 yuan, the total price is about 2.88 million yuan.
Some intermediaries revealed that the "0 down payment" activity is limited to the 4 buildings of the city of Yueyue City. The event time is from August 11th to August 14th. The so -called "0 down payment"Actually, the down payment installment payment.
In this regard, Yan Yuejin, research director of the think tank center of the E -House Research Institute, said that in essence, such operations are preferential policies for the down payment installment provided by housing companies.conform to."The down payment installment rolls come back, because the real estate enterprise has increased the payment ability to pay the down payment for buyers from the perspective of project marketing. However, from the current situation, whether it is a zero payment or a low down payment, it will basically be stopped."
The platform of Shenzhen Housing and Urban Construction Bureau shows that the current listings of the above -mentioned real estate have been locked by the "branch bureau", which means that the house is in a restricted state or the developer has violated the regulations, resulting in the housing sales system locked by the district bureau.
