Developer's moves: down payment 30% remaining 70% interest free loan

In response to the 50% high down payment, there are developers "demolition recruit" to attract buyers known as the history of the most stringent macro-control policy launched, in order to promote real estate transactions, recently some developers "hit the head" to come up with a "down payment 30%, the remaining 70% total interest-free instalments" or the United Bank launched help industry loans, decoration loans and other tricks to help buyers lower down payment.　　　　In the face of the upcoming "51" Golden Week sales node, many developers are meeting to discuss the new deal to deal with the measures, and some of the intention to reduce prices. Seven into the housing section within 5 years of payment by instalments "only 30%, the remaining 70% of the total interest-free instalments." Recently huadu Xinhua has come up with a real estate to defuse two new deal of mortgage.　　With the previous developer's low down-payment promotions, the public pay 30% down payment, the rest of the 70% housing payment does not need to bank loans, but the interest-free instalments to the developer. To introduce the purchase of property concessions for the glory of the house for example, the real estate more than 80 square meters of two units, the total price of about 650,000 yuan.　　Buyers, whether it is the first few times to buy a house, or whether in the bank did mortgage loans, home purchase, as long as the payment of about 200,000 heads of state payment can buy a house, the rest of the remaining about 450,000 yuan in the period of 5 years of interest-free pay to developers. However, it should be pointed out that the developer's interest-free installment is far shorter than the length of the bank's mortgage loan, and the bank's mortgage loan will last for up to 30 years, which is more suitable for the working-class.　　And the introduction of the offer of payment offers buyers in 5 years according to their own economic situation phased delivery, due to a relatively short period of time need buyers have a certain economic strength. Union Bank uses the new type of home loan to be located in Zengcheng Villa property, then the United Merchants Bank and other banks, the introduction of help industry loans, decoration loans and other new forms of loans to help buyers lower down payment. such as in China Merchants Bank loans to buy the villa, no matter how many homes have been bought, as long as the previous loans have been paid off, you can borrow to 6.9 into the room, a down payment of only 3.1, the interest rate is 1.05 times times the base rate.　　At the same time, the bank can also help buyers to apply for decoration loans, the highest per set can apply to 600,000 yuan, the main unit of the 6 million-yuan Total price calculation, equivalent to a loan to 10% room, that is, the buyer only a down payment to 2.1.　　In addition, the plate because it is the sale of the House property card, can be a mortgage, in Everbright Bank for "help industry loans", regardless of whether there is a mortgage, as long as the guarantee company to do so, the maximum can be loaned to 70% housing, interest rate is still the benchmark rate of 1.1 times times. Developers puzzled how to reduce the down payment of the developers to reporters that the current two of the 50% down payment on the buyer's impact is much higher than the interest rate, so many developers have been meeting to discuss various ways to reduce the buyer down payment.　　However, some developers have said they will wait and see the market, and then need not to introduce more concessions to attract buyers to market. In addition to actively study the way to reduce down payment, some developers are more simply to cut prices for trading. Last weekend, the new disk in LongDong was "51" Golden Week ago"False-false" to sell at a lower price than the market expects. The original market estimated price of 15,000-16,000 yuan/square meters, the results of the sale price in 11,000-14,000 yuan, sales are good. and located in the "51" to open a new plate, the original expected market price in 13,000 yuan/square meters, but under the pressure of the deal, developers said the sale will be lower than the original sales price, "will not be as high as expected."