Shenzhen is now "0 down payment" to buy a house?Real Estate 512 suites involved are locked

"The real estate of the Longgang Central City in Shenzhen, pay 100,000 yuan to pay the house, you can buy a house."

This morning, an intermediary report said that the real estate of the Xincheng Yueyue Garden in Longgang Central City in Shenzhen can buy a house "0 down payment". Buyers only need to pay 100,000 yuan, and third parties lend the customers up to 1 million yuan (interest -free) as the down payment. Customers need to pay 100,000 yuan first, 5 years in installments, and repay 100,000 per year in the first 4 years. Yuan, the last year repays 50,000 yuan.

Pictures from the network

It is reported that the "0 down payment" event starts from the afternoon of August 11 to the end of August 14. The event only targets 4 units of 78-95 square meters.

It is understood that the real estate is located at No. 88 Zhugshi Road, Longgang District, consisting of 6 residential buildings and some commercial and supporting podiums with a total height of 30-32 floors. The developer is Shenzhen Shenrunchuan Industrial Co., Ltd. The project was obtained and publicized on July 21. The recorded residential products were located in the project 2, 3, and 4, with a total of 490 units. The construction surface was about 78-116 square meters. The rough delivery was delivered. The unit price range was 36-42,000/㎡.

In the "0 down payment" activity mentioned by the intermediary, the units of 78㎡ houses are 3 bedrooms, 2 halls and 1 guard, and the units of 95㎡ houses are 3 bedrooms, 2 halls and 2 guards.

Pictures from the network

As the news was brushed in the circle of friends of Shenzhen Real Estate, Austrian reporters found that the 512 suites of Xintong Yueyue Garden Real Estate have been locked by the "branch bureau". That is, the house is restricted or the developer has violations, resulting in the housing sales system being locked by the "branch bureau".

Screenshot from Shenzhen Real Estate Information Platform

"0 down payment", "down payment loan", "down payment installment" belongs to illegal acts

Shenzhen loan purchases require a minimum of 30 % down payment for home buyers. Since the "715 New Deal" in 2020, Shenzhen has resolutely implemented the central government's positioning of "housing and not frying", continuously increased its efforts to crack down on intermediaries' illegal operation of credit funds to flow into real estate, requiring banks to check home payments and sources of repayment funds, buying houses, buying houses, buying houses. Those who need to provide wages, bank flow, etc.

Lawyer Zheng Boen, a law firm in Guangdong, said-

1. In the existing house purchase, the source of the first payment will be checked. Among them, the source of these types of down payment is illegal: (1) The source of the down payment must not be provided by real estate development enterprises and real estate intermediaries; (2) the down payment cannot be the Internet Provided by financial institutions and small loan companies; (3) down payment must not be the embezzlement of personal consumer loans, personal -related lending, and business loans. The behavior of developers provided a down payment for buyers is illegal and belongs to one of the illegal sources of down payment. Once the developers will be punished by the relevant administrative authorities, they will be fined lightly, and the property may be frozen.

2. Once the buyer accepts the developer's down payment loan to purchase a house, and the relevant departments are investigated and punished, the buyer will bear the corresponding legal responsibility. The buyer will be refused to provide the remaining mortgage loans by the bank because of the illegal source of the down payment, and it will be included in credit reporting. Buyers may also be unlikely due to the illegal source of the down payment and the contract cannot be fulfilled, so it will be suspected of being lifted in the contract. Once the contract is terminated, the default clause agreed in the contract may allow buyers to bear the corresponding liability for breach of contract without losses. Finally, the buyer was included in the blacklist or the unqualified list of credit reporting due to illegal source of the down payment, and it will directly affect the subsequent new home mortgage loans.

Writing: Ao Yi Journalist Jiang Qingjun

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