Blocked the promotion of zero down payment home loans.docVIP

 PAGE \* MERGEFORMAT 4 Blocked the promotion of zero down payment home loans With economic development and people’s concept of an update, lending way to buy a house has been gradually accepted by people, but for the high down payment loans for letting a lot of working-class deterred. In order to expand the issuance of housing loans, banks also made a positive exploration, housing loans ‘zero-down-payment’ is one of them. It is understood that housing loans ‘zero-down payment’ is July 11th of this year by the China Construction Bank and Industrial and Commercial Bank of China first launched in Shanghai and Beijing. The so-called mortgage ‘zero-down payment’, in a nutshell is to use existing home as a credit guarantee, the first phase of the original models to deal with the gradual payment of an equal share into the future, we can see ‘zero-down payment’ loans to buy a house off of ordinary people is a step closer. Three months, in Shanghai alone there are more than 200 families applying for the loan, already completed over more than 40 pen. The three types of consumer loans to buy a house to meet the needs of: First, much capital on hand, but a better future income expectations, and those who have real estate as collateral. For example, university graduates just to work, you can use parental property as collateral; Second, housing is not difficult, but people want to buy real estate, for example, want to use the rent beneficiaries; 3 is intended to sell the old house to buy new house , but a shortfall in the first phase of, or inability to existing home immediately realized the community. ‘Zero-down-payment’ can help them solve their existing home sale and new homes when the city of staying poor. However, due to operational limitations and the provisions of its own consumers ‘zero-down payment’ awareness of bias, making the process of promoting the business there are some obstacles. ‘Zero-down payment’ is not some people understand it is a full credit, as lon