Shenzhen property market anomaly 20 down payment on a credit card collection | _ Shenzhen property market news

Shenzhen trainee reporter newspaper reported Xie Ruolin Huang Rong

In Shenzhen, the securities journal surveys found that under the frenzied real estate boom, house full of tricks to cobble together a down payment, full of wonders, and some even with 20 down payment on a credit card collection. Meanwhile, after being halted by regulators "down payment loan" market, after the replacement vests, also show that prosperity.

In fact, insiders pointed out that "down-payment loan" is the essence of consumer credit and mortgage loans, "mortgage loans to all kinds of gimmicks to attract customers, and is commonly used as a means of promoting the Bank, this time, is nothing but a first coat".

Market panic

Credit card cash to buy a House

Entered in 2016, escalating house prices in first-tier cities, tens of millions of Yuan in price once again stir up all sensitive nerves. In this round of price surge, keep the leading cities--Shenzhen, particularly interesting.

In 2015, Shenzhen favorable policies, soaring price line, there have been media interpretation that leveraged funds and "speculators" into the market, forming a new round of price push hands. Recently, the securities journal rushed to Shenzhen, a field survey of the real estate market, find apartment main remains is just need people.

"This round of price increases, mainly is driven by need, speculators account for a small portion. "A mediation Manager land real estate, Futian District, told reporters that in recent years, the sharp rise in property prices in Shenzhen have almost no experience. But since last year, favorable policies and mounting, admission requirements, and directly push up the demand for the real estate market. "First, from November 2014 to 2015 end of, Bank four times drop associate, six times cut, mortgage interest rate directly by 6.15% cut to 4.9%; second, '3 ? 30' policy stimulus, business tax '5 modified 2', originally purchase discontent 5 years of House, again sold Shi need levy business tax, now shortened to 2 years; also, II Suite commercial loan from Qian of 60% down payment reduced for 40% down payment, Provident Fund loan first sets minimum down payment drop for 20%. ”

In this context, Shenzhen real estate suffered panic buying. Bureau of statistics, Shenzhen dropped prices starting in November 2014, 2015 gained nearly 50% over the year, led the nation.

"Outsiders working in Shenzhen, most of them House, for ordinary people, the House is impossible to ignore. Last year, the support of the national policy, obviously can feel the real estate market began agitation. "One road, Futian District, HomeLink estate intermediaries in the securities daily, said in an interview," beginning with have saved Outlander buy, later had no savings of young people anxious, seeing rising more than you earn, started thinking about options, when someone suggested that people buying second homes ' Down payment loan ' or II times mortgage loan; no House of people, was guarantees also can loan; even even guarantor are no of, on with credit card sets now, I see had a four mouth people, altogether do has 20 Zhang credit card, up has more than 600,000 yuan, paid first payment Hou, each months also thousands of Yuan minimum amount, had several months put House II times mortgage Hou, credit card debt on can one-time paid off. ”

"Down payment loan" under the cloak of

Mortgage is the "real murderer"

Meanwhile, market panic and outside funding also attracted the attention of regulators, recently "down payment loan" were publicly suspended. However, the reporter visited found that "down-payment loan" not only still there, was also put on "consumer credit", "micro-loan" vest.

Intermediaries who operated a loan down payment, told reporters that people usually say "down payment loan", in practice there are three situations. First, is mortgage loan, that with has some House do mortgage, to Bank application loan, with this pen money make down payment; second, is large of credit, also on personal reputation loan, handle this loan, usually need in Shenzhen work a time, and has good of reputation records; third, is II times mortgage, this operation compared complex, first borrow up align down payment, then loan buy House,, property hand Hou, to House do II times mortgage, again with mortgage to of money also down payment.

Mortgage loan and personal small loan, are is Bank loan system in the most based of project, one Beijing ABC of staff in accept reporter interview Shi said, "theory, no mortgage real and guarantor, pure by reputation also can for loan, but reality operation in the, personal small loan implemented difficult, if no mortgage or guarantees, Bank base almost not lending; life in the, mortgage loan compared common, do mortgage loan Shi main considerations three a aspects, a is loan subject of business capacity, Second, loan credit records, three is to look at the value of the mortgage. In General, the loan amount is about 70% of collateral valuation. Although mortgages relatively easy, but in accordance with national requirements, loan money, is not allowed to buy a House. “

In fact, in the loan process, as long as you don't buy a house or buy stocks, banks there would be no objection. A staff engaged in lending told reporters: "even if the Bank knows (loan), would pretend not to know, after all, banks need to be profitable. In fact, oil is just one mortgage loan down payment, there are banks trying to win customers, introduced many exotic loans, such as ' elite credits ', ' dynasty ' and ' child '' personal loans fast consumer loans ', and so on. This time, the only mortgage, a first coat. ”

Responsible editor: Xiang Changming SN123

Article keywords:
Property market in Shenzhen

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深圳楼市怪现象 20张信用卡套现凑首付 |深圳楼市_新闻资讯

　　■本报深圳讯 见习记者谢若琳 黄荣报道

　　《证券日报》记者在深圳调查时发现，在疯狂的房地产热潮下，购房客为凑齐首付款花招百出，无奇不有，甚至有人用20张信用卡套现凑首付。与此同时，此前被监管部门叫停的“首付贷”市场，在更换马甲后，同样展现出一派繁荣景象。

　　实际上，有业内人士指出，“首付贷”的本质是个人信贷和抵押贷款，“以各种噱头吸引客户抵押贷款，是银行常用的一种推广手段 ，这一次，只不过是披上首付的外衣”。

　　市场恐慌

　　信用卡套现买房

　　进入2016年，一线城市的房价不断攀升，动辄千万元的标价再次挑动了大家敏感的神经。在这轮涨价潮中，保持领涨的城市——深圳，格外引人关注。

　　2015年，深圳利好政策频出，房价直线飙升，有不少媒体解读认为，杠杆资金和“炒房客”趁机杀入市场，形成新一轮的房价推手。近日，《证券日报》记者赶赴深圳，对房地产市场进行了实地调查，发现购房主力依然是刚需人群。

　　“此轮房价上涨，主要是由刚需推动的，炒房客所占的比例很少。”一位福田区金大地房地产的中介经理告诉记者，近些年，深圳的房价几乎没有经历过大幅上涨。但是去年以来，利好政策不断出台，刚需入场，直接推高了房地产市场需求。“首先，从2014年11月份到2015年底，央行四次降准，六次降息，房贷利率直接由6.15%下调到4.9%；其次，‘3·30’政策刺激，营业税‘5改2’，原本购房不满5年的房子，再次出售时需要征收营业税，现在缩短到2年；此外，二套房商业贷款从此前的六成首付降低为四成首付，公积金贷款首套最低首付降为二成。”

　　在这样的背景下，深圳房地产遭遇恐慌性抢购。国家统计局数据显示，深圳房价在2014年11月份开始止跌，2015年全年累计上涨近50%，领涨全国。

　　“在深圳工作的外地人，大部分都没有房子，对于普通老百姓来说，房子是无法忽视的。去年，在国家政策支持下，明显能感受到房地产市场开始躁动。”一位福田区链家地产的中介人员在接受《证券日报》记者采访时表示，“开始是有积蓄的外地人买，后来没有积蓄的年轻人也着急了，眼看涨的比挣得多，就开始想各种办法，这时候有人建议，买二套房的人可以用‘首付贷’或者二次抵押贷款；没有房子的人，有人担保也可以贷款；甚至连担保人都没有的，就用信用卡套现，我见过一家四口人，一共办了20张信用卡，凑了60多万元，付清首付款后，每个月还几千元最低额，过几个月把房子二次抵押后，信用卡债就能一次性还清。”

　　“首付贷”外衣下

　　抵押贷款才是“真凶”

　　与此同时，市场恐慌和场外配资也引起了监管部门的重视，近日“首付贷”被公开叫停。 但是，记者在走访中发现，“首付贷”不但仍然存在，还被换上“消费贷”、“小额贷”的马甲。

　　一位曾操作过首付贷的中介人员告诉记者，通常大家说的“首付贷”，在实际操作过程中有三种情况。第一，就是抵押贷款，即用已有的房子做抵押，向银行申请贷款，用这笔钱交首付；第二，就是大额的信贷，也就个人信誉贷款，办理这个贷款，通常需要在深圳工作一段时间，并且有良好的信誉记录；第三，就是二次抵押，这个操作比较复杂，先借钱凑齐首付，然后贷款买房子，等房产证到手后，给房子做二次抵押，再用抵押来的钱还首付。

　　抵押贷款和个人小额贷款，都是银行贷款体系中最基础的项目，一位北京农行的工作人员在接受记者采访时表示，“理论上，没有抵押物和担保人，纯凭信誉也可以进行贷款，但是现实操作中，个人小额贷款实行困难，如果没有抵押或担保，银行基几乎不会放款；生活中，抵押贷款比较常见，做抵押贷款时主要考量三个方面，一是贷款主体的经营能力，二是贷款主体的征信记录，三是看抵押物价值。一般来说，贷款额度大约是抵押物估值的70%。虽然抵押贷款比较容易，但是按照国家要求，贷款获得的资金，是不允许用于买房的。“

　　实际上，在贷款的过程中，只要不提买房或炒股，银行方面就不会有异议。一位从事贷款业务的工作人员告诉记者：“即使银行知道（贷款用途），也会假装不知道，毕竟银行也是需要盈利的。其实，首付贷只是抵押贷款的一种油头，还有一些银行，为了争客户，推出了许多奇葩的贷款，比如‘精英贷’、‘卡易代’、‘二胎贷’‘个人快速消费贷’等等。这一次，只不过是抵押贷款，披上首付的外衣。”

责任编辑：向昌明 SN123

文章关键词：
深圳楼市

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