Ji'nan property market turnover even decline, real estate business can not pay the installment payment
to the state. In order to cope with the stagnation of sales, some developers have offered "instalments".
Ji'nan June 8th news (reporter Zhang Lu) in view of the country's successive regulation policy, some high-end residential projects in the provincial capital are obviously selling pressure. In order to cope with the situation of sales depression, some developers have offered "installment payment".
last weekend, Ms. Xu and his family went to a sales office to see a house, and exchange with the sales staff, Ms. Xu made it clear that the name of the house had already existed and the sales office just wanted to see it. Now, the policy is very strict, and the two sets of housing are not only difficult to approve, but also the interest rate and down payment should be improved.
8 in the afternoon, Ms. Xu received a telephone call from the sales staff, called the response to the regulation policy, the developer has just launched a payment by installment for the loan difficult customers.
for this, the reporter interviewed the real estate. Sales staff said that the installment of a total of four periods, the first payment of 30%, this year at the end of October to pay 25%, next year April, the end of April to pay 25%, the last phase of next October, to pay the remaining 20%. Installment payment and mortgage loan can enjoy 1% off discount.
it is said that this policy is mainly to deal with the country's policy on the first payment of more than two home purchase loans and the floating rate of interest rates. "Some customers may not be able to borrow after the implementation of the policy, and the regulation policy is implemented in May, and we then launch a sales strategy of instalment."
sales staff, according to the "installment" provisions, the return of the house buyer default, the total amount of 20% of the default gold, if not on time payment of the tail, within 7 days, to pay a daily total of 1/1000 of the total price of the breach of gold, more than 7 days to pay 5/1000 daily.
the total price of 3 million yuan in accordance with a set of housing calculation, 7 days overdue the default of 3000 yuan per day, 7 days more than a day's penalty is to be up to 15 thousand yuan, so high default compensation for buyers is strict? The explanation of the sales staff is that the construction of the project also needs bank loans. The installment is actually the interest of the developers for the buyers, which is both a policy adjustment for the control and a disguised preference for the buyers.
Song Hongchang, a senior real estate lawyer in Shandong Ivy law firm, said that there is no legal obstacle to buying a house by installment, and it does not conflict with the current regulation policy. "The appearance of this way reflects the limitations of the policy regulation and control of the property market, and the policy is limited to more than two home buyers to use bank loans." But it can not restrict buyers to purchase their own funds. " Song lawyer said, the installment purchase in the field especially in the first line city has appeared, but in Ji'nan this way is relatively rare, he speculated that as the regulation policy gradually tightened, the installment payment may appear more in the Ji'nan property market.