Securities Times reporter Wu Jiaming

　　"Nearly 70 to 80 percent of the customers who have made transactions here are buying a house with one-time payment." In Xiangmihu, a traditional luxury residential area in Shenzhen, senior real estate agent Manager Chen told the Securities Times reporter, "Whether it is buying a luxury house here or buying a house, For the new houses nearby, most of the customers still have houses in their names and buy them in the name of second houses. Under the influence of the reference price of second-hand houses, most houses require a down payment of 80% to 90%, so there are many customers who make one-time payment. It also saves a lot of transaction taxes.”

　　After Shenzhen implemented the reference price of second-hand houses, the down payment of some home buyers, especially those with improved homes, has increased, and the proportion of one-time home purchases has also increased.

However, some home buyers and investors are also eyeing the "capital temptation" behind buying a house in full.

　　red book is

　　"Best Pass"?

　　Recently, many home buyers have received many calls from personal loan managers and financial intermediaries claiming to be various banks, asking if they need funds, including consumer loans and credit loans.

However, consumer loans, credit loans and other funds are now added with the word "mortgage", especially if there is a real estate certificate commonly known as "red book" in hand, the amount of applying for these loans will be relatively high, and the interest rate will be relatively low. .

　　Some home buyers told reporters that in the past, the general consumption loan amount was only 300,000 to 500,000 yuan, and the current consumption mortgage loan amount can reach up to 2 million yuan.

A personal loan manager of a city commercial bank told reporters that as long as there is a local residential commercial house in Shenzhen, and the age of the house and the credit period does not exceed 30 years, you can apply for a larger amount of consumer mortgage.

In addition, consumer mortgages can be repaid with borrowing, interest first, and principal. The mortgage rate can reach up to 70%, and the interest rate is as low as about 5% per annum, even slightly lower than the current mortgage interest rate for second homes.

　　The "red book" in hand seems to be the "best pass" for applying for various loans.

At this time, another real estate agency manager peddled a credit mortgage with reporters, and the maximum loan amount could reach 3 million yuan.

"First of all, the applicant must have a good credit record, a stable job, and the house must be mortgaged for one year, but if it is a house with a red book in hand, there is no such requirement." A real estate agency manager told reporters, "Credit mortgage The amount of the loan is high, and the interest rate depends on the qualifications of the house and the applicant. The annualized interest rate is between 1.75% and 2.95%, which is lower than the interest rate of business loans. Moreover, like business loans, credit mortgages can also be interest-first The post-bond is generally for a period of 5 years, and it is enough to do a bridge once after it expires.”

　　This sounds really attractive, and the temptation of such a low interest rate naturally attracts the attention of many people.

The reporter also found on some online platforms that many advertisements with the temptation of low interest rate funds can be seen everywhere.

"I just handled an application from a client. He took a house with a market value of less than 2 million yuan in Longgang District as collateral, and the interest rate was also approved at about 2.6%, which is comparable to the current mainstream mortgage interest rate in the Shenzhen market. Good deal.” But where does this low interest rate money come from?

In the face of the reporter's question, the real estate agency manager is also very calm, "We all cooperate with several state-owned banks. You can rest assured that this is not an ordinary financial company."

　　Risk not to be underestimated

　　What is clear is that if similar credit loans, business loans and consumer loans are lent from banks and directly flow into real estate, they will still be subject to severe scrutiny and supervision. strike.

　　However, the above-mentioned real estate agency managers and a number of personal loan managers told reporters that most of the customers currently in hand are improved owners who plan to buy a second home. Buying a second home with a one-time payment can not only save a lot of transaction taxes and fees, but also get bonus money. In the future, I will apply for similar consumer mortgages and credit mortgages. Although they cannot be used to buy a house directly, they can be used to repay the mortgage for the first home or use it for other purposes. The interest rate of these funds is significantly lower than the bank's normal mortgage and mortgage rates. .

　　The reporter interviewed nearly 10 home buyers in Houhai, Nanshan, and Xiangmihu, Futian. More than half of the home buyers expressed their intention to buy a house in full, and the luxury housing market has a significantly higher interest in buying a house in full.

According to data provided by Shenzhen Shell Research Institute, starting from 2020, the proportion of one-time payment purchases in second-hand housing transactions in Shenzhen has gradually increased, from 8.3% in the first half of 2020 to 27.8% in the first half of this year.

In the first half of this year, 72.2% of the second-hand housing transactions in Shenzhen were purchased through loans, the lowest since the first half of 2017.

　　According to industry insiders, because banks develop inclusive finance, support small and micro enterprises, and provide many discounts, there may be some intermediaries that fabricate business backgrounds and loan purposes, and use the loopholes that inter-bank funds cannot penetrate tracking and monitoring to obtain low inclusive benefits. In the case of interest-bearing loan funds, the risks cannot be underestimated.

Li Yujia, chief researcher of the Housing Policy Research Center of Guangdong Urban Planning Institute, said that penetrating supervision and whole-chain supervision of funds between banks should be strengthened, and tracking should be strengthened from the beginning of loan application to post-loan inspection. Only by doing this Funds will not illegally flow into the real estate market.

Yan Yuejin, research director of the Think Tank Center of the E-House Research Institute, said that some housing loan policies have been allowed to be relaxed recently, but "loopholes" are not allowed.

All kinds of banks and home buyers should pay attention to this. The loosening of the policy does not mean that the policy is "laissez-faire". Some banks need to consciously lend in compliance with regulations, and do not import loans from other non-home purchase fields into the real estate loan business.

　　Since the beginning of this year, the property market policy in many places has been blowing frequently, but the Shenzhen property market policy has remained stable, and the recovery of transactions is not obvious.

According to the latest data released by the Shenzhen Real Estate Agency Association, the number of second-hand houses recorded in Shenzhen last week was 591 units, down 2.2% from the previous month. In the short term, market transactions are slightly weaker.

In the first half of 2022, only 9,965 second-hand residential units were sold in Shenzhen, down nearly 65% ​​year-on-year, recording the worst performance since 2007.

Li Yujia said, "At present, the overall sentiment of home buyers is still relatively weak, and everyone has insufficient motivation to increase leverage. From the current situation, from the recovery of market policies to the recovery of the market, the lag will be a bit long."