The “Real Estate Reference” column is operated and produced by Tencent Real Estate. It aims to review the daily essential information in the real estate industry and become an information reference for hard-working real estate personnel A quick overview of today’s hot spots Empty glove “room”? Take out 2 million from the bank to buy a house and only spend 15,000 In order to sell the house, the sales staff at the sales office gave the buyer Liu Sisi a method of 100,000 yuan for a commercial house of 600,000 yuan: a commercial house of about 80 square meters, with a down payment of about 200,000 yuan. The sales office staff stated that Liu Sisi has 100,000 yuan on hand, and the difference of 100,000 yuan can be advanced by the company’s subsidiary, and then the buyer will return the money to the company within a year, which is equivalent to an extra For the buffer time of the year, first enjoy the housing benefits before repayment.
Liu Sisi found that if he followed the advice of the sales staff at the sales office and borrowed 100,000 yuan to make up the down payment, it would mean that even if the repayment period is one year, Liu Sisi would have to pay additional tens of thousands of yuan in interest It is the “business loan” that is more fascinating than the “down payment loan” and also has greater risks. If the buyer himself has a house that can be used for “one-off”, the loan amount is 2 million yuan, and if the intermediary “helps” operate the business loan, the fee collected from it is about 15,000 yuan In this dangerous game of buying a house, one party is an intermediary who takes advantage, and the other party is a confused and unknowing house buyer. For the intermediary, the risks are borne by others, and all the money is made by yourself. This is undoubtedly a very profitable business. But for buyers, it is a huge trap The mortgage has been repaid for seven years and the principal cannot be repaid
Mr. Pu, a citizen of Nanjing, applied for a commercial housing loan of 1.17 million yuan from the Nanjing Branch of Minsheng Bank in October 2013, with a loan term of 20 years, and agreed to a repayment method of equal principal and interest. But recently, Mr. Pu discovered that he had paid off his mortgage for more than 7 years, and the principal that he has not repaid up to now is still 1.17 million, which has not been reduced Regarding Mr. Pu’s doubts, the Nanjing branch of Minsheng Bank first stated that the staff who handled this mortgage business had already resigned, and then explained that it was caused by an error in the handling staff The confusion and trouble caused by the bank’s breach of contract and unauthorized changes to the customer’s repayment method are obvious. As the main party responsible for the incident, the Nanjing branch of Minsheng Bank first shifted the blame to the designers, and then it was attributed to the entry of the handling personnel. These claims may be somewhat untenable.
Reprint indicated source：Spark Global Limited information