Mr. Yu from Henan bought a house in Fuyang, Hangzhou, with a total price of 1.91 million yuan. Looking back on the process of buying a house now, I feel that the developer had violated the rules because he only had 100,000 yuan in his hand. Mr. Yu was a little worried and wanted to ask us for help to return the deposit.
For nearly 10 years, Mr. Yu has been working and living in Ningbo, Zhejiang. On November 4th, Mr. Yu rushed from Ningbo to Hangzhou under the introduction of an intermediary and booked a house in the lake.
Mr. Yu felt that Zhejiang's employment form was better and the housing prices were relatively stable, so he wanted to buy a suite in Hangzhou, the provincial capital, but he did not know the specific location of the real estate in Fuyang District, Hangzhou.
Mr. Yu ordered a total of 89 square meters of house, and the total contract price was more than 1.91 million yuan. However, Mr. Yu said that the developer calculated an account for him, and the house only cost 1.63 million yuan in the end. "The developer said to give me 280,000 yuan in ** coupons, which is equivalent to giving me 280,000 yuan in cash. ”
According to the local house purchase policy in Fuyang, Hangzhou, the down payment shall not be less than 20% of the record price of the house, and in other words, this house needs a down payment of at least 380,000 yuan. At that time, Mr. Yu did not have so much money.
Mr. Yu himself had 50,000 yuan, and borrowed 50,000 yuan from his mother, a total of 100,000 yuan to buy a house, and 280,000 yuan short of the down payment. However, Mr. Yu said the developer gave him a promise that he felt the house could be bought. "The developer gave me 280,000 yuan and returned it in the form of ** coupons, which means that I will make a down payment, plus my 100,000 yuan, which adds up to exactly 380,000 yuan for the down payment. ”
With the developer's promise, Mr. Yu made up his mind at that time, paid a deposit of 100,000 yuan, and settled on the house of 1.91 million yuan. Mr. Yu said that he earns about 5,000 yuan a month, but the loan repayment amount has reached 7,499 yuan per month, but the developer said that he can also help apply for a renovation loan.
Mr. Yu admits that he was really hot-headed at the time when he bought the house. But after all, all loans have to be repaid on a monthly basis, and Mr. Yu feels that he is not able to repay the loan enough. After he returned home, after many inquiries, he believed that the developer's operation of giving him 280,000 yuan as a down payment was also suspected of violating the law.
This kind of operation is very risky for me, once the bank finds out, it can immediately ask me to repay all the loans, and if I don't pay back, the house may be auctioned directly. Mr. Yu said that the developer was suspected of violating the rules, and now he doesn't want the house anymore and wants to get the deposit back.
The reporter learned that the act of real estate agents or financial institutions providing funds for buyers when their down payment funds are insufficient, is a down payment loan. In the "Opinions on Strengthening the Management of Real Estate Intermediaries and Promoting the Healthy Development of the Industry" issued by the Ministry of Housing and Urban-Rural Development, the state and other 7 ministries and commissions, it is clear that down payment loans are violated.
It is understood that the lake view house is developed by Hangzhou real estate. Manager Yu, the person in charge of the Hangfang Lake Guandi project, said that the developer does not have a down payment loan, "It is impossible to involve these, we require the customer to pay off the down payment, and the mortgage will be completed before going through this process and sending him **."
Manager Yu said that if the buyer is directly given money to pay the down payment, the developer has to bear the risk, "The customer only paid 100,000 yuan, and we gave him 280,000 yuan. ”
The developer said that there is indeed a ** activity, but the premise is to wait for the bank to take a mortgage. But now, Mr. Yu can't make up the remaining 280,000 yuan and can't afford to make a down payment. Under the coordination of the reporter and the construction department, the developer said that it was willing to return Mr. Yu's deposit. "It's already in the process, but it's not clear when it will be withdrawn, because several departments have to go through the process, but I will urge this matter. Manager Yu said.
*:Xiaoqiang**Zhejiang Education.