Without the new policy, home buyers may not imagine how many tricks developers can come up with to “dissuade” buyers.
More than two months ago, Hangzhou developers in order not to become the “head birds” after the new policy, have started the “dissuade” mode. They have drawn up “suicidal” exit templates, detailing the flaws of their projects to prospective buyers and exhorting them to “buy rationally”. One property consultant said it was his “most panicked moment” in his career.
More recently, a similar scene has emerged in Shanghai’s property market. But the difference is that property consultants in Shanghai are not panicked by the new regulations, which they quickly discover can be used as an excuse to screen clients. Thus, the “tsundere version” dispelling template was born.
Now many real estate in Shanghai have started a series of “set” model, weighing the buyer match only one standard: down payment. In order to screen out those buyers with low down payments and low scores, developers try their best to create an atmosphere of hot housing, tight housing supply and difficult lottery, dissuade non-target buyers from participating in the acknowledgment. Even in the case of the resolute attitude of buyers, property consultants simply “lost contact”.
As a result, the Shanghai property market quickly “cooling”, triggering the new lottery system of property plate on one’s hands. Beneath the cooling surface of the property market, however, undercurrents are still bubbling.
A high score of 70 was still dismissed
After the introduction of the new policy, the probability of buying desirable housing and integral hooked up. Shanghai purchase points mainly by the 60 points plus the number of years grouped into the basic points, including the purchase of a family, registered permanent residence, real estate conditions, the purchase of a house in Shanghai within 5 years, etc., the number of years is the subscriber’s social security payment number of years and the property social security coefficient multiplied by the income.
Big data from multiple platforms shows that buyers with scores between 50 and 60 score the largest number of buyers, and those with scores above 70 can be called “high-scoring” families. However, really to see the link, 70 points of high marks may not be able to play out.
Recently, Zhao Xue (not her real name), who has 70 points, was discouraged when she was looking at an apartment. This is the first time that Zhao and her husband have bought a house in Shanghai. Their budget is within 13 million yuan. Last year, Zhao began to look for a suitable property, but she is not in a hurry because she wants to achieve it in one step.
The near future, zhao xue had a crush on the house that admires in the heart quite, 3 rooms two hall, total price also is in budget. When Zhao Xue visited the sales office for the first time, she felt very relaxed. When the real estate consultant asked about the down payment ratio and loan plan, she blurted out, “Our first flat, first loan, down payment of 35%”. Have not thought, a sincere answer but for the later bumpy tour of the house buried foreshadowing.
Because the down payment ratio is low, property consultant step by step persuade Zhao Xue to quit. “The real estate consultant first said that there are many full marks for the buyers who participated in the recognition. Our score of 70 points is probably at the edge of the shortlist. If we want to be successfully shortlisted, the score is still not enough. Before he said that, I thought 70 was very competitive.”
In addition, Zhao Xue is about 110 square meters of the family, property consultants, like Zhao Xue choose small family buyers, it is difficult to get 65% of the loan from the bank, the reason is that “countries are reduced leverage, the bank will not grants such a large amount of” home buyers consultant advice is given: buy small family, it is best not to loans.
Although she had been prepared for a low down payment before seeing the house, she was “very hurt” when the consultant told her to quit.
After leaving the building, she again in the friend’s recommendation to see another year before the opening of the project, but the treatment is completely different. “When we went to the second development, we also made it very clear that we had to pay a 35 percent down payment, and the consultant directly introduced the bank staff and did the math for us. Because my husband and I are fully able to repay the loan, the bank staff made a rough calculation after knowing our family income. Based on our family income and house purchase budget, there should be no problem for us to get a loan of 9 million yuan.”
Before and after different experiences let Zhao Xue feel, before persuade her to quit the property consultant is obviously in the “pick customers”, developers care, from beginning to end only the amount of down payment. And buyers with low down payments, regardless of their budget, ability to repay loans, or high or low points, fall into one category: bad customers.