0 down payment to buy a house is this a routine?

The so-called zero down payment is actually a lot of real estate. At present, there are many such properties in Shenzhen, and developers in many cities will also use zero down payment as an excuse for publicity.

0 down payment to buy a house means that you don't have to pay down payment for the time being, but generally you will ask the buyers to pay down payment within a certain period of time, otherwise the buyers will default, the house will be repossessed and the buyers will pay liquidated damages.

Various developers have also launched various preferential activities to buy a house. Although some properties claim to be 0 down payment, this 0 down payment only provides short-term credit loans to buyers, and the financial pressure on buyers has not been alleviated.

Relevant provisions on down payment for house purchase:

The requirement of 20 13 is that the down payment for the first suite is 30% of the total house price, and the down payment for the second suite is 60% of the total house price. Because considering the repayment risk of the loan, the relevant departments will require the purchaser to provide a part of the down payment, that is, the individual pays a part of the house payment in advance, which proves that you have the repayment ability.

2065438+On March 25th, 2006, Shanghai issued "Several Opinions on Further Improving Shanghai's Housing Market System and Security System to Promote the Stable and Healthy Development of the Real Estate Market", which made it clear that the down payment ratio should not be less than 50% for households with/kloc-0 apartments who apply for commercial personal housing loans to buy ordinary self-occupied houses again to improve their living conditions; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.