these days, the term "first F" came out again.
is still quite surprised. At the moment, there are still housing companies who dare to make the first F.
has been named "Tian Heng world collection" project, the project developer Tian Heng Zhiyuan home Co., Ltd. the actual control of the real estate industry, the author found the following:
in order to not reduce the price of selling, the developer made a "profit and loss of self" measures
in addition to Tian Heng world set, there are also some other projects that have launched the first F business at the same time. In addition to not having to pay the full first payment, the buyers will also enjoy the free room service. A developer clearly expresses the contract in the purchase contract. If the plan has a change in the later period, the contract can be returned unconditionally in the next year. At this time, buyers seem to have experienced a "God" treatment.
in order to not reduce the price of selling, developers have made a "loss of self - gain" measures
Why do developers want to make a staging? There are no two reasons for
: first, they do not want to sell their houses on a low price, secondly, they will withdraw the funds as soon as possible.
the phased services are mainly commercial and residential projects. The phasing of such projects is more easily accepted by buyers. The customers are more extensive, and both locals and foreigners can buy. On the one hand, the area is small, the total price is low, and the pressure of buyers is relatively light. For some investors, installment payment obviously improves the efficiency of capital utilization, and still has certain attraction. With this consideration, it is better to let the buyers pay the down payment in installments instead of selling prices.
as soon as possible, the return of funds is also one of the most urgent tasks for developers. Commercial and residential projects are a special kind of projects. They are better when the market is good, and worse when the market is bad. At present, when the market is bad, the disadvantages of commercial and residential projects are easy to be magnified, for example, the down payment is 5, interest rates go up and so on. Developers urgently hope to complete the phased closure as soon as possible to lock customers back. The reason why
is so urgent is also due to the deterioration of the financing environment of Housing enterprises. From the beginning of the bank loans can not be used in the purchase of land, to the recent private investment management program can not invest in 16 hot cities, developers' "tight hoop mantra" has been tightening, in this case, the measures to take measures as soon as possible has become one of the few measures to ensure the stability of cash flow.
do not take the first F, but the risk is not small. We all know. The main point is against the big trend, because "the house is used to live", and the developer expands the steel bar with the help of the F, on the other hand, encourages investment into the market.
once the first payment ratio is broken, although the developers first completed the fund, but once the bank loan is completed, the developers take back the first payment of the loan, the remaining risk is completely shared by the bank and the buyer, the buyer may face the risk of "two empty money room" because of the disconnection, the bank can execute it. House, but this is obviously not what banks would like to see, because bad debts have increased.
of course, it is so contrary, developers should take some risks. The relevant provisions clearly indicate that the first payment must come from the buyers' own funds.
this, of course, reflects the embarrassment of the market at the other level: even if the market is cold, the price is still a small probability, and the selling market will remain for a long time.