Can buyers enter the market for "zero down payment" of real estate?Lawyer reminds: alert to related risks

Guangzhou Zengcheng has a real estate propaganda as low as "zero down payment".

Text/Picture Yangcheng Evening News reporter Chen Yuxia

On the day of the Mid -Autumn Festival, Miss Mai Mai Mai Yuexiu District received a real estate agency a real estate promotion single: "He told me that the down payment was 60,000 yuan to buy a house. The news surprised her and puzzled. She solved "Y-Reporter Gang", can buy a house in Guangzhou now really "zero down payment"? Is there any risk?

According to the clues provided by Ms. Mai, the Yangcheng Evening News reporters reported to the real estate in the leaflet to find out.

"Zero down payment" cannot be truly realized

According to the guidelines on the leaflet, the Yangcheng Evening News reporter took the subway Line 21 to Zhongxin Station, and then got off at Jiuhe Village Station by transferring bus 11A at Zengcheng 11A, and found the real estate sold next to the station.

It is understood that the first phase of the real estate was released in 2019, and some buildings have been delivered. During the Mid -Autumn Festival, the 8th and 12th units were promoted. On the morning of the next day of the Mid -Autumn Festival holiday, within an hour of the sales department where the reporter was located, there were not many visitors who visited. Three of them told reporters that they also came for a low down payment. On the electronic publicity screen next to the real estate sand table, visitors can see the promotional slogans such as "History! Super Easmic payment, unrestrained payment, unrestricted subsidy", "Mid -Autumn Festival benefits, the first phase of 20,000 yuan".

Sales staff introduced that during the Mid -Autumn Festival, the real estate did launch ultra -low down payment promotion activities, including a variety of down payment methods such as "zero down payment" and down payment installment. So, can Miss Mai's "zero down payment" be realized?

The reporter asked the salesperson to calculate a 98 -square -meter three -bedroom unit. During the Mid -Autumn Festival, the unit's promotion price was 1.85 million yuan. If calculated by 30 % down payment for the first home property, the buyer must pay about 560,000 yuan in down payment and the loan is about 1.29 million yuan. According to the "zero down payment payment method" table in the hands of the salesperson, 560,000 yuan of the down payment of the unit, of which 500,000 yuan can get interest -free payment for developers, and the buyer's down payment only needs to pay 60,000 yuan first. Among the 500,000 yuan, the buyer must repay to the developer at a pace of 100,000 yuan per year in the first three years and the fourth year of 40,000 yuan, with a total of 340,000 yuan, and the remaining 160,000 yuan. Supply, a monthly repayment of about 3333 yuan. However, in the case of this unit, the first batch of buyers to pay is not only 60,000 head payments, and a deposit of 40,000 yuan, that is, a total of 100,000 yuan. "Zero down payment" cannot be achieved here.

Regarding the doubts of the reporter's "zero down payment", the salesman said: "Some houses and some high -quality customers can achieve it." He also admits that it is impossible to buy a house without spending a penny. 10,000 yuan deposit. "

"Get on the car" easily burdens in the later stage

This payment method, even if the first batch of money is to pay 100,000 yuan, it is not difficult for many buyers. This is also a reflection of the "super easy payment" in the propaganda of the real estate. But for the buyers who are easy to "get on the car" at the low first phase, can such payment of real estate be relaxed?

When the total price remains unchanged, the down payment is easy, which means that the total loan repayment will be high. It can be found through calculations that the payment pressure of home buyers in the first three years is not small. The above unit comes to estimate that the buyer's loan is 1.29 million yuan, calculated based on 30 years of commercial loans, and the monthly supply is about 6624 yuan. In the first three years, the interest -free repayment amount paid for 160,000 yuan per month 100,000 yuan (disassembly to each month is 8333 yuan/month) interest -free principal. Only the first two items, the total monthly supply is 9957 yuan. The monthly bank flow income of the buyer will get at least 30,000 yuan to get a loan. Therefore, for buyers who choose low down payment, we must measure their income level.

Lawyer reminder

Be wary of relevant risks

"'Zero down payment" is not a buffer period for paying the down payment for buyers, but the real estate cannot be paid in Zero regardless of the objective or legal analysis, so its' zero zero zero The propaganda sales meeting of the down payment 'is suspected of false publicity. Buyers need to pay attention to the ambiguity of these sales words. "Lawyer Lin Li, a Guangdong Green Law Firm, said.

Lawyer Lin Li said that if the bank was reviewed by the source of the home buyer, if the problem was found, the loan approval would be difficult to pass. Even if the bank has issued a loan, if the "zero down payment" such as "zero down payment" is found in the re -examination, the bank will take the loan in advance. The buyer will not be able to continue to perform the contract, and it will bear the corresponding liability for breach of contract (such as paying a liquidated damage) for his breach of contract. The "zero down payment" is suspected of illegal operation and often cannot clearly stipulate in the contract (even if it agreed, its effectiveness needs to be discussed). Once real estate companies cannot fulfill their promises or cause economic losses to consumers, it will be difficult for consumers to account for claims according to law. Essence Lawyer Lin reminded that the "zero down payment" down payment will be allocated to the monthly supply of home buyers, thereby increasing the monthly supply pressure of buyers, and the chance of buyers' confession also increases. "'Zero down payment' is one of the real estate marketing methods. Compared with buyers, developers are greater beneficiaries. The debt pressure and risks of the down payment are still on buyers. Time was slowly reflected. When disputes occurred, the buyer's right to defend his rights for a long time, long span, and high cost. "

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