Shenzhen's "zero down payment" house purchase promotion, the housing management department involved, the intermediary: a house did not sell

Jimu Journalist Liu Yi Cao Xuejiao

On August 11, a media reported that Shenzhen No. 1 real estate launched a "zero down payment" promotional activity for three -bedroom purchase. On the 12th, some real estate agencies told Jimu Journalists that zero down payment does not need to pay for the down payment for a penny. After confirming that the house purchase, there will be third -party financial institutions to provide buyers with a maximum interest -free loan of 1 million yuan.

The staff of the Housing and Construction Bureau of Longgang District said that "zero down payment" housing was illegal and has been involved in the investigation.

In this regard, some experts said that during the "zero down payment" buying and selling houses, the parties of the transactions were prone to disputes and risks. Once the regulatory authorities were found, they would be suspended as soon as possible, and the enterprises involved will face penalties.

"Zero down payment" was stopped when buying a house

On August 11, a real estate agency in Shenzhen issued a news that the first real estate of Longgang District launched a promotional activity of "zero down payment, purchase of three houses". On the 12th, the real estate agent Zhang Feng (pseudonym) told Jimu Journalists that the real estate of the promotion was the Xincheng Yueyue City Community, but because it did not meet the Shenzhen sales policy, the promotional activity of "zero down payment" was being promoted on the afternoon of the 11th. I stopped, and during the period, I did not hear that some colleagues successfully sold the house in the community.

"0 down payment" advertisement released by real estate agencies

"Zero down payment is not really paid at a penny. In fact, developers are paying for third -party financial institutions." Zhang Feng said that the buyer determined that the buyer would pay 100,000 yuan on the day of the buyer. The Chamber of Commerce found a third -party financial institution to provide a home buyer with a maximum loan of 1 million yuan.

Public information shows that Xincheng Yueyue City is located on Wujiazhi Road, Longgang District, with a building area of ​​78 square meters -115 square meters. According to Zhang Feng, the price of the smallest units in the community is about 3 million. If consumers who purchase the first house, the 1 million loan will pay the 30 % down payment required for the purchase of the house.

The "zero down payment" house purchase promotion was launched by developers? On the afternoon of the 11th, the developer of the real estate issued a statement in the official micro -information that the recent information on the down payment of the project issued by the network channel was not true information. The company sold the project strictly in accordance with relevant regulations. Wait for it.

Statement issued by the developer of the community

The staff of the sales office of the building said that the current real estate is sold normally in accordance with relevant policies, and the "zero down payment" advertisement circulating on the Internet was released by an intermediary company.

The staff of the Housing and Construction Bureau of Longgang District told Jimu Journalists that the sales of "zero down payment" were illegal. They have received relevant complaints and have been involved in the investigation.

Experts: "Zero down payment" risk of buying a house

"The market conditions are not good, and real estate sales are difficult, which only generates the" zero down payment "." Li Guozheng, director of the China Market Research Center of the China Finger Research Institute, said in an interview with Jiomu Journalists. It actually exists in the property market in many places across the country. This promotion is suspected of violations of laws and regulations, and the parties to the transactions are prone to disputes. If the buyers and sellers do not operate in accordance with the provisions of the housing management department, they may cause some house purchase procedures to be unable to handle, causing the unable to conduct risks such as online filing and pre -sale funds. In addition, the "zero down payment" and "installment down payment" have a long repayment time. Once the house price fluctuates sharply during this period, both buyers and sellers are prone to regrets, causing consumer disputes. In most cases, consumers' rights and interests are difficult to guarantee. Under extreme circumstances, low down payment stacked house prices plummeted, and buyers will directly disconnect the default.

Real view map of the community (source: WeChat public account in the community)

"The lower the down payment, the higher the loan amount, and the actual cost of buying a house is also increasing." Li Guozheng said that some buyers believe that some people provide interest -free loans. It also increases the financial risks of the entire market. Formal banks will not provide such services, so most of the third -party financial institutions provide loans to buyers. If buyers have defaults, social problems such as violent collection may also be derived.

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