Bypass the bank private contract, the developer of the "pad down" suspected of fraud.
Hangzhou and other commodity housing stock large cities, some developers have pushed out for the buyers "padding first payment" promotion means. Recently, similar promotions appeared in the provincial capital of Ji'nan. The bank said that such acts were illegal and suspected of fraud.
developer's calculation: first pay installment, can not enjoy the house price 1% off
in Ji'nan love to love all the single page, "down payment 60 thousand" four big words especially noticeable. In the morning of March 26th, the reporter came to the Sales Office of AI Du, and the sales office's banner was attracting the public's eyes with the same slogan. Is it really a cheap house?
"we've done a good job. Some people don't pay enough for the first time, but they can only buy an undesirable house, but we can get a very nice set of houses when we take part in this activity." The sales staff said.
sales personnel told reporters that, in fact, this is the first payment of installment payment activities, and only for the 80 to 100 square meters of small and medium-sized apartment houses, large Huxing do not participate in the activities.
the reporter has some hesitation, the sales personnel give a reporter an account, with an area of 109 square meters of house for example, according to the first suite 30% payments, the first payment of a total of about 280 thousand. The first payment is about 90 thousand during the week, and then 90 thousand at the end of June and the end of December. "There should be no problem in the home." The sales staff said.
although the down payment is paid in three times within one year, no fees and interest are required, but 1% off discount is not allowed. In this way, the down payment installment is 10 thousand yuan more than the normal purchase.
Bank: the developer does this, the risk is dumped to the bank
whether the first payment installment affects the bank loan review. The sales staff explained that "the developer will pay 20% and sign a three party agreement with the buyer alone." In the bank's view, 30% of the first payment has been paid off, the first payment installment activities do not know the bank, according to the normal procedure.
is not recognized by the bank for the behavior of the developer's head down payment. Mr. Xing, the customer manager of Pufa Bank, said, "there was a developer who had put forward this idea to us before, and the bank has refused this side directly. This kind of activity is not cooperative, nor is it allowed."
Mr. Su, the manager of the Bank of communications, said that whether the first or two suites, the home buyer's first payment is a necessary condition, and the developer has moved the risk to the bank. If the buyer can not pay the first payment, it does not meet the general conditions of loan, and can not guarantee that he has enough ability to repay, even it can be said that it is a subprime mortgage. If the economy fluctuates, buyers will most likely not be able to continue paying the mortgage. In addition, to participate in "padding first payment" of the buyers, their loan information is not true, once the false first payment behavior was found by the bank, after the bank can recover the loan, but also hurt the reputation of the buyers.
fusion of love capital Shandong company marketing director Wu Rongjiang said in a reporter's interview, they are not "padding first payment" activities, but a kind of activity that can allow buyers to delay payment of the first payment. This statement is quite different from what the reporters had learned before the sales office.
extended reading
World Federation Jardine general manager Zhu Jiang once said that the "pad first payment" by developers everywhere, and more than 10 years ago to launch the "zero head payment" activities, in essence, there is no difference. The CBRC has made several statements and will never allow "zero down payment".
"zero down payment" risk in the end how big? The home buyer's down payment ratio is very important, only the buyer's own payment part of the guarantee is meaningful for the guarantee, otherwise the bank can only recover the property. The purpose of banks is to make profits through lending rather than landlords. Take the US subprime mortgage crisis as an example. In 2004, 25% of the buyers in the US and 42% of the first time buyers used the "zero down payment" mortgage loan to buy the house. Many people who do not have the ability to repay can easily buy a house through loans because they do not need to pay the down payment, which eventually leads to the outbreak of the subprime mortgage crisis.