Recently, cui Yongyuan sends small gain to disclose recreation to encircle a contract to go regular incident is heated up to discuss by everybody, actually, it is recreational group not only, landed circle buys a room to also have a lot of unbeknown " go regular " , below the big setting that tightens up in policy especially, development business, bank to assure oneself profit, can take a few step, be in harmony 360 gentleman saying a room feel to be necessary to be taken say.
1
Of entire section preferential, keep to the side of accumulation fund loan stands
All the time since, because accumulation fund loan involves cycle of many orgnaizations, loan to grow, be cold-shouldered by development business, in a few cities, the selling office is divisional to buying room person to make, of entire section preferential choose a room, loan interest rate is returned can a few more favourable, and the person that use accumulation fund borrows money, the qualification that chooses a room possibly repeatedly is done not have, even if can buy, what loan interest rate also compares entire section is tall.
To this, 4 branches issued an announcement last year, demand development business and intermediary orgnaization do not get stand in the way, reject a worker to use accumulation fund loan to buy a house, violate compasses person will be instructed to rectify and reform, serious will be brought into to impose letter system, handle gravely lawfully, be maintained a waist to buy room person.
Actually, it is accumulation fund loan is cold-shouldered not only, business is borrowed head pay scale to also can decide to buy room person whether buy a house, it is even whether buy fine house. For instance, have regulation of room look forward to, 3 into head pay the general floor that can buy ground floor only or carries a layer on the head the unit; 7 into head pay or the it is better to can be chosen floor of entire section and door model, still can win certain interest rate privilege.
The argument that development business makes so is very simple, entire section buys a room to be helpful for capital of its steam again, ease economic pressure, but break fairness to buying room person to have.
2
Valence is adscititious valence, bind decorate
Additional, valence is adscititious valence, bind the behavior such as the sale to had been superintended sectional public proclamation prohibits, but, in city of a few heat, popular building dish, the phenomenon that binds a sale still exists. Just needed a guest to want to get heating up an opportunity of Lou Panxuan room, need is passed bind a car, bind decorate etc " invisible method " , pay one share more " do not take on on the desktop " debt.
For instance, a building dish put on record valence is in left and right sides of 25000-27000 every square metre, want to choose a room, every make the same score rice to want to add 4000 yuan to decorate cost more, adscititious the car of 300 thousand, and decorate cost and car cost wants one-time paid, final sale price convert comes down, every make the same score rice to want 30 thousand much.
The person that buy a house expresses, a few buildings that oneself had seen dish the client manner that the selling manager seeks advice from to coming round is cool, because of this building dish give bridal chamber sale company, every make the same score rice to want to add 1000 yuan more more even sell go out, next both reentry is divided into all right.
So look, or of the person that buy a house is willing to pay more, him or has " special channel " , buying a house otherwise is unlikely.
3
Application combination loan should be in nominated bank
Still having a kind of case is, because fund is limited,buy room person, cannot borrow money with accumulation fund entirely, need loan of business of additional application part, the means that borrows money through combination namely buys a house. But, partial bank can ask, accumulation fund loan and commercial loan want to be dealt with in same home bank, cannot cross a combination, reason is, the bank that accumulation fund loan needs to be appointed to center of housing accumulation fund is dealt with, want to give this bank building pledge at the same time, and guaranty also needs to give loan the bank when conduction business is borrowed, same cover a house to cannot mortgage at the same time two banks.
Accordingly, stem from the consideration of the risk, the bank of a lot of places sets, loan of the business in combining loan and accumulation fund loan want to be dealt with in same home bank.
4
Loan of the person that accept high interest rate is fast
Nowadays, credit policy is tightened up, to the bank, can borrow the forehead to spend finite, should preferential borrow high grade client, so called high grade client, what point to on one hand is the person with each good target such as income, profession, on the other hand, also point to the client that can bring profit more for the bank. Loan interest rate is the important way that the bank gets income, partial silver guilds first choice accepts the client of high interest rate, and loan of this kind of client is relatively some faster.
Previously, should sign a letter only each good, index is eligible, loan rate is in commonly two weeks of less than, and the factor that affects loan now is too much, interest rate is among them one of.
No matter be which kind of going regular, weak force always just buys room person, just needing to buy a house is to wait not to rise more, theory clever than developing business nevertheless, interest rate rise, let a person feel pressure times add, some people can any demands that toughen one's scalp-brace oneself accepts the other side put forward, it is only can buy a house. Nevertheless, oneself pick the way, buy a room to should add an attention more more from the word that live, because you are defeated,do not rise.
