See numerous building dish advertisement, "Low head pay " a kind of trend that had made sales promotion instrument, silk people unexpected meeting him feeling also can ascend the body is on the way that can buy a room to buy car gens, superior move times add. So, do this look very beautiful " low head pay " be all wool and a yard wide privilege or hype after all? "Low head pay " reduced truly head pay proportion?
It is OK really low head pay, development business won't cheat you commonly, just head pay cannot decrease, be will head paid one share develops him business to perhaps pass intermediary loan to give you, demarcate arrives one year 3 years in pay off, a big such temporary collect not Qi Shoufu money has the silk that wants to buy a house people slam-bang is enchanted, fell into this beautiful and inviting hole!
Head Fu Ying this how many, policy has clear regulation. You said may not calculates, it is not certain also that development business said true.
Commercial loan abides by a flatlet commonly not under 30% , 2 flatlet not under of 60% head pay principle, specific can have to each cities different.
Low head pay run skill, perhaps have a variety of. But below what say, it is the most typical operation.
For instance you took a fancy to value of a house 1 million, calculate by first, through commerce loan is mortgaged buy, according to normal flow head Fu Ying should is 300 thousand.
Now, development business tells you to have favourable activity, you need only head pay 100 thousand yuan, develop business to lend you 200 thousand yuan next, then, the formulary head of 30% pays with respect to collect enough. Again downward thing, it is you go to 700 thousand yuan borrowing money.
Developing business to say is to lend you 200 thousand yuan, it is miserly actually. 200 thousand yuan of receipt for a loan are written down again after you pay 100 thousand yuan, develop business to open 300 thousand yuan head pay bill, by this bill you can deal with a room to borrow. If the bank must want to see head pay into bill, that is not difficult also: Development business money is met personnel extracts 200 thousand yuan to infiltrate to bank bar from oneself account the account of oneself. Anyway, you are to touch those who be less than this money absolutely.
Development business does not worry about your bilk at all. Because of you not reimbursement, development business does not make a room. At the outset loan from time to tome the contract agrees. Besides, in this process, total prices 1 million yuan house, those who develop business to had received you head pay to borrow money with the room in all 800 thousand yuan, early with respect to break even.
You also have to admit. Because you had dealt with a room to borrow, must press lunar reimbursement bank, otherwise consequence is more troublesome.
Low a paid trap -- can be in casual let you lose one's head
This afore-mentioned processes, reasonable and lawful. Development business returns can good moral nature to let you in installment reimbursement, reasonable and lawful besides, still have combine feeling. But when be turn for you to want reimbursement to pay, the trouble came.
Above all, you should assure to remand every months on time the room is borrowed.
Next, before controlling a house normally, you should pay off the loan that develops business.
The 3rd, when controlling a house, you still need to pay a lot of fee, service fund for instance, light gas to open an account for instance cost is waited a moment. Do not want controversy to pester these charge. When if not be,controlling a house because of these charge, hand in, when signing a contract namely, pay. In the long run.
The 4th, after controlling a house, you need to prepare a large sum of money to be used decorate and buy new furniture home appliance.
The 5th, developing business loan also is include interest of very big brushstroke (Ps: Also having a few is interest-free loan) , and if the regulation chooses to borrow head pay, reimbursement just can shift to an earlier date after wanting certain time limit.
So one computation, the result is 4 words: You were dumbfounded.
Understood: This money that you pay, one minute also won't little.
How should do? Very simple. Calculate gravely seriously, enter new home to you all the time from the 1st money, how many money should spend in all? Can oneself bear? If can, that is enjoyed well low a paid fun. If cannot, be far from trap.
