Method 1: Attract buyers on the grounds of interest rate reduction and down payment.
Sales a: "the mortgage interest rate has been reduced to a minimum! It is unscientific not to buy! "
Recently, the central bank has repeatedly lowered RRR and cut interest rates. After the latest adjustment, the interest rate of commercial loans over five years is only 5. 15%, and the interest rate of provident fund loans is 3.25%, which is the lowest mortgage interest rate in 24 years. Subsequently, the minimum down payment ratio for the provident fund to buy a second suite was also lowered from 30% to 20%. However, although there are many benefits, it can really bring benefits to the majority of "mortgage owners" in the short term, but it can't really save us tens of thousands of dollars in the long run.
situation
Recently, a real estate in Tianjin played a policy card to publicize that "the total interest can be saved by 200,000 after four interest rate cuts" and "the down payment ratio of commercial loans is only 20% of the 30% provident fund", which is suspected of intentionally misleading. In fact, the main project is to promote large square meter units, and the price is higher. Although the down payment for buying a house is reduced, the pressure on mortgage will increase in the future; Moreover, the average mortgage is 20 to 30 years, and the interest rate is changing, which may not really save a lot of interest.
Countermeasures
For policy adjustment, it is best for buyers to wait for specific rules before making specific plans. In addition, we should also proceed from the actual bearing capacity of the family. We should not only look at the immediate benefits such as "interest rate reduction" and "the down payment ratio is only 20%", but also consider the pressure of later repayment.
Means 2: create a sense of urgency through rising house prices.
Sales B: "Prices will increase after the National Day. If you are interested, please hurry! "
With the continuous downward adjustment of mortgage interest rate and the further reduction of down payment threshold, many projects have spread the information of price increase. In fact, many developers use the signal of rising prices to attract buyers in the wait-and-see stage to start construction as soon as possible in order to achieve the purpose of selling their own projects.
situation
A real estate in the urban area recently released rumors of price increases, creating a sense of urgency for many property buyers who don't know the truth. In fact, the so-called price increase was not implemented as scheduled, and the developer only reported a high price. After enjoying a variety of discounts, the actual price has not changed much.
Countermeasures
In this case, property buyers should not worry blindly, but should start from whether the house itself is suitable for them and see whether the project facilities, transportation, products and huxing are really suitable. If there is a big gap, don't start too early. Secondly, it is necessary to carry out on-the-spot investigation on the project, or consult professional institutions such as house price review network to compare the prices of the project in recent months to determine whether the price has really increased.
Means 3: Misleading the buyer on the grounds of clearing the collective account.
Sales C: "If you don't have a house account, you will move back to your hometown. Are you still watching? " ! "
Some time ago, when selling houses, some developers took "the Public Security Bureau recently cleaned up collective accounts and moved back to places where there were no houses" as a gimmick to attract buyers to buy houses. Although it is true to clean up collective accounts, not all collective accounts that do not buy houses are being cleaned up.
situation
When Mr. Liu, a property buyer, was consulting a building in Baodi District, the project actually declared that "all collective accounts without houses will be moved back to their original places", which made buyers buy houses as soon as possible, causing a sense of urgency. In fact, this is the developer's use of property buyers' ignorance of policies to mislead property buyers.
Countermeasures
At present, the focus of the rectification work mainly includes: 1. After the closure and merger of enterprises, the original employees were laid off and diverted, and they could not find a place to start their own businesses; Two did not work in this city, but still stay in the collective housing of talent agencies; Three cadres and workers' relatives moved in with the household registration and posted in the collective room of the unit; 4. Leave the original unit due to job transfer, resignation and other reasons, and the whereabouts are unknown; 5. Units that set up collective accounts do not perform their account management duties and operate illegally; 6. Collective account units charge illegally in the name of settlement; 7. College graduates have graduated for more than 2 years, and their registered permanent residence is still empty in the collective registered permanent residence of the school. You can consult the public security bureau and the unit where the account is located.
Means 4: get attention in the school district.
Sales Ding: "There are many key schools around us. Is there an appointment for education real estate? "
"Educational real estate" has always been a hot spot in Tianjin property market, and some projects simply rely on the principle of "nearest school" in physical distance to attract buyers. In fact, many new housing projects currently on sale are not qualified for dicing. The project can only be classified as a school film after it is handed over to the police station and neighborhood Committee for record. In addition, the dicing policy is changing. This year, I will be assigned to school A, and the year after next may be school B. ..
situation
A project in the urban area is declared as the educational real estate of the school because there are many key middle schools around it. In fact, the project is currently in the construction stage, and there is no qualification for dicing, but it is simply close to key schools.
Countermeasures
The new advertising law stipulates that developers cannot directly shout "educational real estate" in advertisements, but it is difficult to guarantee that sales offices will still mislead buyers with "school district housing" as bait. Generally, new houses are not eligible for dicing. For buyers of educational real estate who are anxious, you can consider second-hand houses, but the scribing situation of second-hand houses is also changing. Therefore, you must go to the education department and relevant schools to inquire about the situation before buying a house, especially paying attention to the regulations on household registration.
Message from Bian Xiao: No matter what kind of marketing means, it is the same, and it is targeted to grasp the soft underbelly of consumers and "tickle". If you want not to be fooled, first, don't be greedy and cheap, and second, don't listen to one side of the story. After all, it is not easy for us to buy a house. Life has been so hard. Take hard-earned money seriously!
(The above answers were published on 20 15-09- 12. Please refer to the actual situation for the current purchase policy. )
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