Lawyer calls for cancellation of commercial housing system to adjust down payment ratio

Xinhua Beijing, December 21, recently, speculation room number has become a hot topic in Hangzhou property market. Seven thousand or eight thousand people for more than 200 sets of rooms, 100,000 yuan a choice of room number. and a room number to sell tens of thousands of dollars or even hundreds of thousands of yuan outrageous story, in Hangzhou opened the real estate is not only a special case, but has formed a relatively stable industrial chain.　　In this respect, the famous real estate lawyer Chen Haiyang in the interview with China's real estate network, that should cancel the sale of housing pre-sale system, adjust the ratio of mortgage first payment. Chen Haiyang lawyer said, from the Chinese real estate market 10 years of development history, commercial housing pre-sale system, in the early development of the real estate market, the developer group Rapid growth played a big role.　　For example, in the 2000, China's real estate developers are generally weak, the assets of billions of developers can be called real estate predators, after 10 years of growth, assets of tens of billions of property companies everywhere. But now, this system can only help developers to quickly withdraw funds, the buyers do not have substantial help. On the contrary, almost 80% of commercial housing transactions fraud and disputes, are related to selling faster.　　And speculation room number, internal subscription, etc. originated from the derivative of the sale of the house, it is now the most rapid property speculation, the most easy to generate profiteering means. In addition, Chen Haiyang counsel proposes to adjust the mortgage payment ratio. For the first mortgage buyers, you can lower down payment to 10%, this can reduce the real purchase of home buyers of the threshold, and the banks do not have to worry about their repayment integrity, and for the home mortgage loans have not yet completed the purchase, it should be the down payment to 60% or even 80%, which will directly improve the entry threshold of the house.　　Through the adjustment of the down payment ratio, can really curb speculative speculation house behavior, at the same time let real buy home people have the ability to buy a house through bank loans. Chen Haiyang lawyer thought, as long as the above two measures are introduced, investment speculators will immediately withdraw from the property market, the former sales office queue snapped false scene will no longer exist. And developers in order to rob a few real buy home from the source, will take the initiative to reduce the price to a fair level. That will enter a real real estate buyer's market, developers hoarding land, hoarding the phenomenon will no longer exist.