Foreign Villa cushion Fund 50% Shanghai cries for legal effect questioned

Intern Wang developers for home buyers "cushion" to help their purchase of the phenomenon reappeared. The four-day 28th session of the Shanghai Real Estate Fair (hereinafter called the Winter Housing Fair) ended yesterday.　　Morning newspaper reporter yesterday in the winter housing rendezvous scene, there are some foreign developers, would like to "cushion" 50%, to help loan limited buyers to solve the problem of capital.　　Industry personage analysis, this kind of promotion technique appears in the long-distance real estate more, the risk that hides behind is not small.　　In order to cope with regulation and life of the Shanghai Winter Housing Fair deserted, so that some of the foreign developers to participate in the beginning of a bit unable to sit.　　Yesterday, the morning paper reporter in the name of "Shangri-La Villa" in front of the booth, in order to solve the current partial buyers of foreign loans restricted, and so on, the project developers willing to cushion 50%, to help them solve the money problem first. The project staff explained that the measure contained many restrictions.　　Specifically, developers to assist buyers of the premise of loans, buyers must pay 50% of the first payment, and then the purchase of the property to the developers, developers to pay the remaining 50%, interest rates in accordance with the current rate of commercial banks to carry out, the relevant formalities according to the normal way.　　In the face of concerns, the staff also said that because the measure is not through the bank loans, so the Internet will not display personal lending information.　　In addition, the staff also explained to the buyers, as the project is a city in Jiangsu to handle the transfer, so the purchase is not restricted by Shanghai restrictions.　　For developers of this kind of special marketing law, the scene shows interest in the purchase of a few people. According to the staff understand, "Shangri-La Villa" is located in a city in southern Jiangsu Province, the current main push 88 square meters two rooms, 122 square meters three rooms, unit price of 3200-3400 yuan, and double row and the Villa 300 square meters to 400 square meters, the total price of 1 million yuan. This price is attractive to homebuyers, said the person concerned. Developers of this "cushion" approach, mainly to help buyers to solve the problem of temporary funds.　　The person also said that such measures are developers to deal with regulatory policies of a means, the industry funds abundant developers, using a similar strategy of a minority.　　The legal effect of doubt developers "cushion" marketing strategy is not new. Earlier in Jiaxing, Zhejiang, a real estate has promised, down payment 10% can be delivered, the premise is that buyers in half a year to pay 40% of the total room, and in 2.5 to the developer to pay another 50% room.　　There was also a public report earlier that in Shanghai, Beijing, Guangzhou and other first-tier cities, there are also property buyers to provide loans to help them avoid restrictions on the purchase, lending policy. All this is reminiscent of 2008 years. At that time, unlimited loans, restrictions on the purchase of policies, developers have been in the "cushion Capital down payment" on the article. For example, Kunshan Huaqiao a real estate, has launched the first payment by installments interest-free payment, the first down-payment ratio of only 15% discount measures.　　At that time, Shanghai Local also have a lot of projects to launch a low down payment marketing strategy. The developer, who declined to be named, saidThe current situation is different from that of 2008. 2008 is because the deal is too weak, developers need to pass a low down payment promotion. At present, developers generally believe that the house is not worried about selling, and Shanghai's demand is still very abundant. If policies are slightly relaxed, purchasing power will explode immediately. And some financial pressure or eager to ship the developers, it is to see this point, launched a "cushion fund" measures.　　This also reflects that Shanghai's purchasing power has not been completely shrunk by policy repression. An unnamed industry insiders speculate, developers involved in the purchase of the loan link behind, may have financing companies figure. Some microfinance institutions borrow from unconventional sources of financing in an attempt to get a slice of the price rises. However, the person also stressed that as such loan contracts involving developers, financing companies, buyers of three interests, the current performance of such loans in the legal effect of the contract still have doubts, for buyers, the risk is not small.