For property buyers, the settlement of the down payment is the most important step in the implementation of the house purchase plan. Then, in the face of insufficient down payment, how should buyers respond? The next five steps will settle your down payment.
First, borrow relatives and friends.
In the process of looking at the house, buyers can't help but ask the salesperson: "How did everyone buy this house price?" Without exception, they will pop up a word in a professional and friendly tone: borrow.
Some salesgirls often give extreme examples to buyers: one of my clients had 70,000 yuan in hand when buying a house, and the down payment needed 500,000 yuan, but his wife was pregnant, and her mother-in-law would not agree to get married without buying a house. This brother is as anxious as a cat on hot bricks. Finally, he paid a deposit of 20,000 yuan and went door to door to borrow it from relatives and friends. As a result, he just bought a house. At present, all the children are born. Moreover, the house price has risen more than ten times ... The experience summarized by the sales girl is that it is not easy to buy a house. Everyone borrows from bits and pieces, and the good day of paying down payment is coming, so the motivation to borrow money at this time is still quite great.
Success story: the other party lent you money happily and smiled. "Little fatty, it's good, grow up, want to buy a house, the elder sister is must support! Buy a house and marry a wife quickly. "
Failure case: the other party shirked with various excuses and left in a mess. ""Oh, buying a house is a good thing. I really want to lend you some money ... but ... "Well, no matter how good the word is, you don't have to listen to the word" but ".
Second, borrow parents.
It is a reality that young people have just entered the society and their economic strength is not enough. It may be inevitable to buy a house at this time. Of course, this situation should consider the financial strength of parents.
Success story: Parents have good financial strength, savings and idle funds in their hands, or good popularity, and can help raise some funds. "In fact, your grandfather's grandfather left us a lot of property. We don't say it to encourage you to work hard. Let's buy you a house today. " You have been calling your father for more than 20 years. You always thought he was an ordinary worker, but he turned out to be a big local tyrant. This is so happy.
Failure case: parents have poor financial strength, not only have no deposits, but also owe a lot. "Son, it is not easy for your mother and I to pull you. Now that you have grown up, you can finally respect us and wait to pay off all our debts. "
Three. Loan financial institution
With the development of the financial industry in recent years, the credit loan business of some financial institutions has been carried out well, and the application difficulty has been greatly reduced. If an individual's salary is paid by the bank and his occupation is good, the amount of credit loan he can apply for is basically equivalent to five to ten times his monthly income.
Successful cases: Master's degree, five years' work experience, central enterprise unit, monthly salary of 20,000, no bad personal credit record, and successful application for 300,000 down payment.
Failure cases: primary school culture, one year's work experience, private enterprise unit, monthly salary of 2000, bad credit record, credit reporting agency will say "no" to you.
4. Securities cash
If you buy funds, stocks, paper gold, etc. On weekdays, you might as well cash these securities to offset the down payment at this time. Although it may lose some income to realize cash in a hurry, it is also a way if you can't borrow money. In fact, if we think according to the financial thinking, in addition to selling, individuals can also choose to mortgage their own securities, which may be a better way to realize cash, especially when the amount of securities held by individuals is relatively large.
Successful case: all the small coffers and ancestral jade bracelets were taken out, and the mortgage was sold, making the rich people pay the down payment.
Failure case: the goddess of the family (mother-in-law) is the master, and there is no personal vault. At this time, I can only regret not saving money for cigarettes.
V "Prostitution"
This last item is beyond the reach of ordinary buyers, but if buyers have the talent or ability in this field, they might as well try it and give it to these inspirational buyers who rely on "selling their bodies and selling arts" as a down payment.
Story 1: Junior student "Brother Qian Fan" sells junk to earn a down payment.
July 20 1 1, Li Zhen, a junior at Beijing Normal University, didn't go home every holiday, insisted on working at least two jobs every day, and kept some recycled old books or secondhand goods in the dormitory. He said he saved money to make up the down payment.
Story 2: Unable to bear the pressure of mother-in-law, the black son-in-law took part in the draft to make a down payment.
20 13 In September, Gao Shuai Fu Austin, a Congolese who has worked in Shanghai for many years, recently felt a headache. The love affair that has been running for two years is coming to an end, but it was stopped by the "order to buy a house" issued by her mother-in-law. To this end, she worked hard for more than a month to collect a down payment for the "tough guy" competition that won 200,000 yuan after winning. But unfortunately, the young man didn't win the game, and the down payment is still not settled. Austin was depressed, but his girlfriend hid her face and cried.
Story 3: Hangzhou men can pay the down payment by donating sperm 100 times.
20 12 September, a news in Weibo showed that sperm banks all over the country were in a hurry and donated sperm to pay down payment, so it was not difficult to buy a house! Hangzhou sperm donation subsidy is 6000 yuan. Based on the current average house price in Hangzhou, a man who donates sperm 100 times can get a down payment of about 600,000 yuan for 100 square meters of housing! Dude, if you calculate carefully, there is still a down payment. ...
After reading these inspirational stories, Bian Xiao was about to cry. You work so hard, you deserve the best house. These methods have been exhausted, and the down payment must be the last one. Then the days of "house slaves" officially began. What are the wonderful stories of buyers? Pay attention to our SouFun guide to buying houses, and more interesting and interesting information about buying houses is waiting for you.
(The above answers were published on 20 15-08-03. Please refer to the current actual purchase policy. )
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