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Two suites down payment suddenly increased by 10% buy a down payment is not enough how to do?

Time: 2013-11-11         Source: melt 360 original         Author: Yuan Yuan

Recently, Shenzhen and Shanghai have issued a mortgage New Deal, that is required to purchase two suites down payment to be Qicheng, which can be a sudden hard to be prepared in the near future to buy a house buyers - two suites down payment suddenly increased by 10% , That more than hundreds of thousands of gaps should be how to make up?

Shenzhen, Mr. Lee is also troubled by this matter, had been and his wife optimistic about a total of 3 million of the total price of the house, patchwork finally enough to fill the 60% down payment, and now all of a sudden to come up with 300,000 down payment They are really incompetent.

Mr. Lee said he belongs to the "special needs", the first set of houses purchased in 2007, is a set of fifty square meters of a living room, and now the child gradually grow up, has come to school age, the house is really enough The Mr. Lee said he and his wife intend to do "false divorce", so that the first seven can be changed into three.

New Deal out of a person, such as Mr. Li suffered a few people, many people also think of using fake divorce to ride out the storm. But the risk of divorce a lot of accident, accidentally self-defeating, the results of the two empty and empty examples are not uncommon. So I suggest you, if it is desperate to go to "fake divorce" this step, but also in the signing of the divorce agreement before the property, child support and other issues do so agreed to avoid accidents, lost his wife and soldiers.

 "Fake divorce" if the road does not work, then there is no other way to make up the first payment?

Financial proposal 360 buyers, if the first payment is not enough, may wish to try the following methods:
  
If the individual has a fund, bonds or stocks, you can choose to meet the urgent needs; if you can borrow money with relatives and friends to emergency, it is the most economical way; the above methods will not work, buyers can also choose the following loan:

1 .. If you have a formal work unit, you can applyCredit LoansThe Banks will be based on the borrower's personal qualifications, such as the nature of the work unit, positions and other approved loan amount. In general, the credit limit of the loan within 5 years, interest rates up about 20%.

2. Can apply for propertyMortgageThe Mortgage loans are usually about 30% floating rate, the loan period of 10 years or less.

3. If the buyer name under the company, you can apply for business loans. OperatingLending ratesUsually 30% floating, the loan life is usually 3-5 years.

It should be noted that the implementation of the New Deal before the completion of the net sign buyers have not been affected by the New Deal, still in accordance with the second suite down 60% to deal with. If the buyers are unable to pay an increase in the down payment, you can negotiate with the seller to lift the purchase contract, but the policy adjustment does not belong to force majeure, breach of contract party to pay a certain breach of contract.

Financial 360 tips, in order to prevent policy changes lead to the contract can not fulfill the situation, buyers and sellers in the signing of the purchase contract is best to make a written agreement on similar circumstances in order to fully protect their own interests.

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