A real estate in Henan "0 down payment in October", is there really a pie in the sky?

How exciting! A real estate in Anyang, Henan Province, for the heating of the property market, advertised "You buy a house in 0 months and I will repay the loan with a down payment"! Aroused heated public opinion. Pies fall from the sky, dare you pick them up?

At first glance, can the house be given away for nothing?

Later, the staff said, "the down payment can be made in installments, only the down payment is required, and the remaining down payment needs to be paid before the delivery. Monthly payment means that after the loan comes down, the monthly payment is returned by the developer, and the money is returned to the developer before the key is turned over, without interest, without worrying about the delay of the construction period or the unfinished phenomenon.

In fact, when the property market is not very good, many developers will use "0 down payment" to attract buyers. Including Guangzhou, before in Zengcheng and other suburbs, many real estates launched similar activities.

Do you really know the "0" down payment for buying a house?

"Zero down payment" doesn't mean that buyers don't have to pay down payment, but developers or real estate agents pay in advance, or artificially raise house prices and borrow more from banks to get down payment, which is often called "high evaluation and high loan".

For example, the house you are going to buy is worth 6.5438+0 million yuan. According to the down payment of 20%, the buyer needs to pay 200,000 yuan, and 80% of the loan is 800,000 yuan. However, the intermediary can "unblock" with the bank, with a loan of 654.38+0.45 million yuan in real estate assessment and 80% of 654.38+0.68 million yuan. In fact, it means that you don't need to make a down payment yourself, but you can buy a house with a full loan. This is the so-called "zero down payment" house, high evaluation and high loan.

It is also necessary to identify that the house with zero down payment has a yin-yang contract. It means that you have signed two contracts with the landlord or developer, one internal and one external. Foreign contracts are mainly used to borrow money from banks to avoid paying taxes, while internal contracts are used to stipulate the rights and obligations of both parties to the contract. Among them, bank loan contracts generally aim to obtain more loans, and the target amount is larger. The more loans, the less down payment needs to be paid.

Although the "zero down payment" has lowered the threshold for buying a house, the repayment pressure will inevitably increase. Wool will appear on sheep, and the final result will be borne by you. At the same time, according to the relevant regulations issued by the People's Bank of China, buying a house with zero down payment does not conform to the relevant policies.

"The monthly payment is paid by the developer", is this possible?

On the surface, the risk of property buyers is very small. In fact, there are legal loopholes in this. After all, the house is signed in your name. If there is any accident in the middle, the supplier will cut off the supply, and the bank will still look for you, which will affect your credit information. The court will still execute your house. Don't believe that "pies really fall from the sky" and be careful of poisoning.

What are the "routines" for buying a house?

1, a set of good floor discounts.

Don't rush to buy it when you hear that there is only one set left. Be sure to look around, and you will find that the price of treatment she said is the same as that of other families.

2. Send parking spaces, furniture and decoration materials.

Send parking spaces, or send main materials, furniture, etc. The contract must be clearly written, but do you want to add a lot? Just send it to you, or wait until the contract is signed. She added that these home appliances and main materials are either nine times out of ten or nine times out of ten. Salespeople always say half and leave half.

3. Confusion from the model room

Model houses are always luxuriously decorated, but what we actually buy is a rough house. The model room looks spacious and bright, and the furniture can be put down. When you actually buy it back, you find that my master bedroom bedside table can't be put in, which involves the possibility of counterfeiting between model rooms. Thin a standard 0.6-meter-deep wardrobe to 0.45 meters, and then make the cupboard door transparent and reflective, which makes you feel a lot of space.

Even the master bedroom has a small bed 1.5 wide. And the wall is obviously a narrow window. He put a mirror on the whole wall to reflect the window. After reading it in a hurry, you get the impression that the window of this room is bright, which is confusing your vision.

If you can see the physical building, you must look around.

This physical building is built on a large scale. You can observe the distance between buildings and the lighting, because the distance between buildings is too small and the lighting in the back building is not good. The salesperson said that the building spacing is 50 meters. , not necessarily accurate, we must compare several companies and choose the one that is actually wide.

5, ask their property fees, each family is different.

6. Gift area

Developers put the pool area indoors and become a gift area? You should know that the wool is on the sheep, which you bought at the beginning.

The farthest way you have traveled should not be the routine of buying a house!