For example:
Yang Sheng has a five-year-old property B in Xincheng, with fine decoration and complete appliances. The asking price is 450 thousand (that is, the market price), and the mortgage loan has been paid off. The buyer Liang Jie doesn't have enough money, but she has an old house A at home, and the current market price is about 1.5 million. So Yang Sheng put forward a creative "trading method" and realized the "zero down payment" trading method.
First of all, Sister Liang applied for a "second-hand mortgage" from the bank and got nearly 70% of the house payment (* * * 3 10000). Then borrow 6,543,800 yuan+0.4 million yuan from Yang Sheng with the old property A as collateral (that is, the down payment of 6,543,800 yuan+0.4 million yuan is not supported at the time of transaction). According to the annual interest rate of 4%, he repaid the loan of 6,543,800+4,000 yuan to Yang Sheng in three years (after four years, he repaid the principal and interest in one lump sum, calculated by 400 yuan).
In this way, Yang Sheng not only sold the real estate quickly, but also obtained the investment income higher than the bank deposit; And this kind of income is guaranteed.
Sister Liang also benefited a lot. During the whole transaction, Sister Liang got the real estate B without paying the down payment, and she did not lose the property right of A (that is, she kept the appreciation income right of A in these four years).
During the four years, Sister Liang repaid about 2,670 yuan to the bank every month. The 162400 yuan that needs to be returned to Yang Sheng after four years can be realized by reselling A.
This is a typical fine-tuning case of "mortgage resale+installment down payment".
Both sides have their own needs and guarantees, and they have truly achieved a win-win situation.
2) "Rent for Sale" plan
Bobby Chen bought a property with a price of 200,000 yuan, and the decoration was moderate. The former landlord left all the furniture and appliances; The 10 mortgage loan applied by Bobby Chen is120,000 yuan, with an annual interest rate of 6.84% (at present, most banks use the actual annual interest rate of 5.8 14% according to the lower limit multiple of 0.85, but this case still uses 6.84% for simplicity, but the reason is the same).
The average monthly rent of similar houses where the property is located is 1200 yuan. Bobby Chen adopted the mode of "selling by rent" and reached an agreement with the buyer T: the new rent 1.500 yuan, in which 500 yuan will be the down payment for future house purchase. The agreement is valid for 3 years, and the agreed house price after 3 years is 230,000 yuan. When signing the agreement, pay 5% of the house price down, namely 1 1500 yuan, plus one month's rental deposit 1500 yuan.
At the same time, it is agreed that if you are not satisfied, you can move out at any time, but the 5% down payment and rent paid cannot be refunded.
The down payment in this way is only 5%, namely 1 1.500 yuan. Compared with ordinary mortgages, 20% down payment (230,000 properties, 20% down payment is 46,000) greatly lowers the threshold of "buying" and can attract many young people who have no down payment and have a monthly payment.
At the same time, although the rent of "selling by rent" is about 25% higher than the market price, the actual rent 1000 is lower than the market price 1200 because one third of it can be used to deduct the house price at the final purchase.
Therefore, in fact, buyers pay less rent and live in their favorite property.