In response to the "zero down payment" and "negative payment" advertisements recently appearing in Shenzhen, Shenzhen, the Shenzhen Real Estate Intermediary Association issued a tip that "buying a house negative payment" has violated relevant national financial credit policies.
The Shenzhen -Housing Association on Friday (May 26) issued a solemn reminder of illegal and illegal acts such as prohibiting participation/assistance to "buy a house" and "zero down payment" (hereinafter referred to as the prompts), pointing outShenzhen has experienced illegal acts that induce buyers to buy houses in the form of "down payment installment" and "deduction loan".
It is reminded that in 2017, the Ministry of Housing and Urban -Rural Development, the People's Bank of China, and the Bank of China Insurance Supervision and Administration Commission jointly issued a notice on regulating the financing of house purchase and strengthening anti -money laundering work.Provide illegal regulations to provide house purchase down payment financing, down payment installment and disguised down payment.
It is prompted to request real estate intermediaries and employees to strictly abide by the "housing and do not fry", and prohibit the publicity and sales of housing with "negative payment" or down payment installment in any form.
An analysis of the Shanghai Securities Journal last Saturday (27th), the operating logic behind the "negative payment" is the same as that of "high loan", that is, to obtain high loans through high value evaluation,The bank's assessment price is higher than the real transaction price, so that more models are loan to reduce the down payment disguise.
For example, a house evaluation price is 5.7 million yuan (RMB, the same below, the same, S $ 1. S $ 1. S $ 1. S $ 1. S $ 1.6 million), and the owner sells for 5.2 million yuan.Buyers can buy this suit for 5.7 million yuan in the bank, and the remaining 500,000 yuan is used for decoration.
Reporting pointed out that there is no real down payment support for buying a house, and it is easy to raise leverage.The negative payment purchase house will significantly increase the subsequent real mortgage pressure of buyers, increase the cost of lobby breach of contract, and ultimately it is not good for buyers and commercial banks.
The report quoted a lawyer's analysis that once the "negative payment" behavior was found by the bank or regulatory authorities, the buyer will face a suspension of loan or the risk of repaying the loan in advance, and personal credit reporting will also be affected.EssenceAfter the bank is closed, if the buyer cannot repay the bank loan in time, it will face the risk of being auctioned by mortgage real estate.
