"0 down payment" trap

The 21st Century Economic Herald reporter Hu Tianzheng Jiajunhui Shenzhen reported that at the moment when the real estate industry was difficult to recover, every move of Shenzhen's "hot soil" Shenzhen has attracted much attention from the market.

On August 11, a promotional poster with a "0 Pay Pay for Three Rooms" circulated in the circle of friends in Shenzhen Real Estate. But on the same day, the event was stopped by the housing management department, and the listings of related real estate were also "locked."

In this regard, many people in the industry told reporters that "0 down payment" is more of a promotional means. In fact, there is no actual discount for buyers, but it will increase the burden on buyers. Moreover, such marketing behaviors are suspected of illegal law.

False "0 down payment"

The reporter learned that the above -mentioned real estate was the city of Xincheng Yuecheng, which is located in Longgang Street, Longgang District, Shenzhen. According to Shenzhen Real Estate Information Platform, the project development enterprise is Shenzhen Shen Runchuan Industrial Co., Ltd. (hereinafter referred to as Sharkchuan), 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. The construction surface will be launched in the southward three-way three-bedroom three-way, with an average record price of about 39,500 yuan/ A square meter, the total price is about 2.88 million yuan/set.

Some intermediaries revealed to reporters that the "0 down payment" activity is limited to the four buildings of the Castle City, Yuecheng, and the event time is from August 11th to August 14th. The buyer's participation in the event should pay 100,000 yuan first, and then get a third -party small loan company of up to 1 million yuan without interest -free borrowings as the down payment for house purchase. After receiving the loan, buyers should pay 100,000 yuan first, and pay off within 5 years. Among them, the previous four years will repay 100,000 yuan per year, and the repayment of 50,000 yuan per year in the last year. From this point of view, the so -called "0 down payment" is actually the down payment installment payment.

In response, Yan Yuejin, the research director of the Think Tank Center of the E -House Research Institute, told reporters that essentially speaking, such operations are preferential policy provided by housing companies, and it is obviously inconsistent with the traditional down payment discipline. "The down payment installment is rearranged because the real estate enterprise has increased the down payment capacity to 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 reporter noticed that the Shenzhen Housing and Urban Construction Bureau platform showed that the current listings of the above -mentioned real estate have been locked by the "branch bureau", which means that the house is restricted or the developer has violated the regulations, resulting in the housing sales system locked by the district bureau.

"'0 down payment' was suspected of false publicity, which may violate the provisions of the" Advertising Law "." Wang Shuai, a lawyer of Deheng Law Firm, told reporters that the "0 down payment" of the propaganda is actually not really 0 down payment, but It is the source of the buyer's down payment funds that can not come from its own funds. The down payment is a borrowing fund provided by the third party to the buyer. "The Ministry of Housing and Construction in 2016 issued the" Opinions on Strengthening the Management of Real Estate Intermediary Management to Promote the Healthy Development of the Industry ", emphasizing that intermediary agencies must not provide or cooperate with other institutions to provide illegal financial products and services such as down payment loans. The institution provides illegal acts of down payment financing, down payment installment and disguised down payment for the buyers. "

Wang Shuai further stated that if the buyer's down payment comes from borrowing financing, from the side also shows that the house price exceeds the scope of the ability of the buyer, which can easily cause the fellow buyer's subsequent repayment overdue. The adverse effects, the buyer may have no house and the repayment of subsequent house purchase funds, and this impact will also be transmitted to the borrower of funds, causing the poor loan funds. "The buyer should keep calm when facing the temptation of the" zero down payment "to buy a house, and when buying a house, you should do your best according to your actual situation."

It is worth mentioning that on August 11, Xincheng Yueyue City issued a statement in its official official saying that recently received unscrupulous information on non -true information such as project down payment stages through channels such as the market and other channels. "We have always adhered to the mission of fair competition, healthy and stable real estate market, and strictly selling project products in accordance with relevant regulations. In the sales process, it will not be implemented in the down payment installment."

However, this is not the first time that Xincheng Yueyue City has been involved in negative public opinion such as low down payment and saving house buying houses. Earlier on June 23, the project also issued a statement saying that in response to false and false publicity such as low down payment and capital buying houses that have recently appeared in some agencies, our project solemnly stated: All experts are requested to regulate and publicize it. Do not make false propaganda for attracting market attention and affect the work order of the project.

"0 down payment" trap

Although Xincheng Yueyue City issued a "solemn statement" to respond, insiders pointed out that it is not uncommon for the operation of "0 down payment" in the current real estate market.

According to media reports, many real estate in Lin'an District in Hangzhou has launched down payment loans, and under the down payment loan, 10 % down payment, or even zero down payment can be achieved. Some real estate requires the down payment loan within five years. In July of this year, a real estate in Zhengzhou Guannan District also made a promotion of "zero down payment" online signing, and the rest of the down payment can be paid before paying the house ". In addition, the property markets such as Luzhou and Huizhou have also been "zero down payment". For specific operations, such as increasing the contract price of house purchase during signing, the down payment that fails to pay at one time can be loaned according to the process of mortgage loans.

Wang Shuai reminded that the "0 down payment" house purchase is also prone to disputes, and developers and buyers may have a responsibility when there is such a dispute. 0 down payment and developer's cashier not only violates the rules, but also suspected of deceiving bank loans. In the case of knowing zero down payment violations, buyers continue to sign a house purchase contract, so they are rejected to pay a certain amount of responsibility. "If both parties have been wrong, but the losses of home buyers are real. Not only must they face lawsuits, they can't get a house, but also take a lot of energy." It is pointed out that market actions such as low down payment and padding payment have been suspected of breaking through differentiated housing credit policies and enlarging leverage, which may lead to disconnection and other financial risks in the future.

From the perspective of the industry, the reason why the market is frequent on low down payment and push -up payment is mainly because the current market sentiment is relatively low and sales are not tilted, which leads to the "partial door" in the property market marketing behavior.

According to data from the Shenzhen Central Plains Research Center, in July, the new house market signed a total of 4337 commercial housing, a decrease of 19.7%from the previous month; 3317 units signed by the residential network, an increase of 10.3%month -on -month; 361 units signed by luxury homes, a month -on -month decrease of 29.8%; commercial and other web network Sign 615 sets, a decrease of 71.1%month -on -month.

It should be pointed out that since this year, in order to promote the healthy development of the real estate market and a virtuous cycle, relevant departments have introduced a series of stable real estate policy measures, among which the financial system has made great efforts in bailout real estate.

On August 10, the Central Bank issued the "China Monetary Policy Implementation Report in the Second quarter of 2022" pointed out that it is necessary to firmly adhere to the positioning of the house for living, not for speculation, and insist on not using real estate as a means of short -term stimulation economy. Adhering to the stable price, housing price, and stable expectations, the city's policy uses a good policy toolbox to support rigid and improved housing demand, and the proper implementation of real estate and financial management systems, and promote the healthy development of the real estate market and a virtuous circle.

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