What is the routine of buying a house with zero down payment and what is the main idea of buying a house with zero down payment?

What is the routine of zero down payment for buying a house? At present, the minimum down payment given by the state to buy a house is 30%, and the so-called zero down payment by the intermediary is actually a routine to attract consumers to buy a house. Then, what is the main idea of buying a house with zero down payment, and what conditions do you need for a house with zero down payment? Let's take a look at the routine of buying a house with zero down payment.

First, what is the routine of buying a house with zero down payment?

What is the routine of zero down payment for buying a house? The common routines for developers to buy a house with zero down payment are:

1. Increase the total contract price of the house.

For example, a house is 654.38+00,000, and the down payment is 300,000. If the down payment is zero and the loan is 6,543,800 yuan, the developer will increase the total contract price of the house from 6,543,800 yuan to 6,543,800 yuan, with a down payment of 429,000 yuan and a loan of 6,543,800 yuan. This house is actually 654.38.

2. The developer advances the funds.

Generally speaking, the longest down payment period for developers is 3 years, some developers do not charge interest, and some developers charge interest. For example, a 654.38+00,000 house, the developer will give you 300,000. Your 700,000 loan will soon go to the development account. If you don't have a month to pay the down payment. There is no way to withdraw funds from development.

3. Credit loan

The developer said that zero down payment began to brainwash you. They will say that the down payment is important, but we can help you find a loan company to make a down payment loan. Regular banks have no down payment loans. They will help you find a credit company and take out the down payment. This situation is the worst, because the interest on credit loans is very high.

Second, what is the main idea of buying a house with zero down payment?

What do you know about buying a house with zero down payment?

To buy a house with zero down payment, sign the bill first, sign the house purchase contract on time according to the contract requirements and pay the full amount (the mortgage pays the down payment in full). The mortgage will be accompanied by the materials needed for mortgage, such as the contractor's household registration book, ID card and income certificate, such as the capital certificate required by the bank (such as bank running water, property certificate or driving license deposit with financial certificate, etc.). ).

Of course, it depends on the requirements of different regions. And wait for the bank's approval before filing, and the bank will inform you to repay the mortgage on time.

What is the main idea of zero down payment for buying a house?

1, violating the house purchase policy and unable to actually own the house.

Developers adopt the marketing method of "zero down payment", which violates the State Council's stipulation that the down payment ratio of the first home loan should not be less than 30%. Because the purchaser has not actually paid the down payment, and can't really own the ownership of the purchased house, the bank will inevitably increase the risk of bank loans.

2. Legal risks

If you are not qualified to buy a house (you bought more than two houses. Or foreign property buyers, unable to issue a social security certificate or tax payment certificate for more than one year) After signing a "zero down payment" purchase contract with the developer, they will face the embarrassing situation that the down payment repaid to the developer or intermediary on time may not be recovered.

What are the conditions for a zero down payment house?

1, what are the conditions for a zero down payment house? The requirement of ordinary banks is that they cannot be overdue for three times in a row and six times in two years, which is based on families. As long as there is stable income and running water in the bank, it is enough to have running water every month. The monthly income on the income certificate needs to be twice as much as the monthly payment. For example, the monthly payment is 2000 yuan, and the monthly income needs about 4000 yuan. There is also a credit inquiry, which cannot be overdue.

2. Customers who accept zero down payment and have to borrow money from the bank to buy a house. A house with zero down payment is not a house where buyers don't have to pay down payment. It is really the developer or real estate agent who pays; Probably fraud to raise housing prices; Get more loans from the bank to get a down payment. The important point is that zero down payment does not conform to the relevant policies of the state and banks.

Friendly reminder:

Zero down payment buyers must meet the national loan standards. If there are new changes in housing policies or changes in mortgage interest rates after one year, these are the risks that buyers need to bear. What is the routine of zero down payment for buying a house? At present, the minimum down payment given by the state to buy a house is 30%, and the so-called zero down payment by the intermediary is actually a routine to attract consumers to buy a house. Then, what is the main idea of buying a house with zero down payment, and what conditions do you need for a house with zero down payment? Let's take a look at the routine of buying a house with zero down payment.

First, what is the routine of buying a house with zero down payment?

What is the routine of zero down payment for buying a house? The common routines for developers to buy a house with zero down payment are:

1. Increase the total contract price of the house.

For example, a house is 654.38+00,000, and the down payment is 300,000. If the down payment is zero and the loan is 6,543,800 yuan, the developer will increase the total contract price of the house from 6,543,800 yuan to 6,543,800 yuan, with a down payment of 429,000 yuan and a loan of 6,543,800 yuan. This house is actually 654.38.

2. The developer advances the funds.

Generally speaking, the longest down payment period for developers is 3 years, some developers do not charge interest, and some developers charge interest. For example, a 654.38+00,000 house, the developer will give you 300,000. Your 700,000 loan will soon go to the development account. If you don't have a month to pay the down payment. There is no way to withdraw funds from development.

3. Credit loan

The developer said that zero down payment began to brainwash you. They will say that the down payment is important, but we can help you find a loan company to make a down payment loan. Regular banks have no down payment loans. They will help you find a credit company and take out the down payment. This situation is the worst, because the interest on credit loans is very high.

Second, what is the main idea of buying a house with zero down payment?

What do you know about buying a house with zero down payment?

To buy a house with zero down payment, sign the bill first, sign the house purchase contract on time according to the contract requirements and pay the full amount (the mortgage pays the down payment in full). The mortgage will be accompanied by the materials needed for mortgage, such as the contractor's household registration book, ID card and income certificate, such as the capital certificate required by the bank (for example, the bank's running water, the financial certificate of the real estate license or driving license deposit, etc.). ).

Of course, it depends on the requirements of different regions. And wait for the bank's approval before filing, and the bank will inform you to repay the mortgage on time.

What is the main idea of zero down payment for buying a house?

1, violating the house purchase policy and unable to actually own the house.

Developers adopt the marketing method of "zero down payment", which violates the State Council's stipulation that the down payment ratio of the first home loan should not be less than 30%. Because the purchaser has not actually paid the down payment, and can't really own the ownership of the purchased house, the bank will inevitably increase the risk of bank loans.

2. Legal risks

If you are not qualified to buy a house (you bought more than two houses. Or foreign property buyers, unable to issue a social security certificate or tax payment certificate for more than one year) After signing a "zero down payment" purchase contract with the developer, they will face the embarrassing situation that the down payment repaid to the developer or intermediary on time may not be recovered.

What are the conditions for a zero down payment house?

1, what are the conditions for a zero down payment house? The requirement of ordinary banks is that they cannot be overdue for three times in a row and six times in two years, which is based on families. As long as there is stable income and running water in the bank, it is enough to have running water every month. The monthly income on the income certificate needs to be twice as much as the monthly payment. For example, the monthly payment is 2000 yuan, and the monthly income needs about 4000 yuan. There is also a credit inquiry, which cannot be overdue.

2. Customers who accept zero down payment and have to borrow money from the bank to buy a house. A house with zero down payment is not a house where buyers don't have to pay down payment. It is really the developer or real estate agent who pays; Probably fraud to raise housing prices; Get more loans from the bank to get a down payment. The important point is that zero down payment does not conform to the relevant policies of the state and banks.

Friendly reminder:

Zero down payment buyers must meet the national loan standards. If there are new changes in housing policies or changes in mortgage interest rates after one year, these are the risks that buyers need to bear.