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七成首付买不到房!杭州购房者:哪来这么多付全款的

2017-08-24 07:46:39   杭州网

(原标题:七成首付都买不到房!杭州购房者怒斥:哪来这么多全款付清的有钱人!背后套路太深了)

“全款买房的里面走,按揭的不要堵门口,公积金贷款的请把共享单车挪一挪。”卖方市场买房难,甚至形成了所谓的买房“鄙视链”,无奈的购房者还把“鄙视链”编成了一个段子。

王女士就因为买不到房而深感苦恼。她先是看中一个奥体楼盘,好不容易托到了关系,却因为只能首付六成,没能买到房。

接着她又想买艮北的一个楼盘,愿意接受七成首付,结果还是被全款付清的购房者给挤掉了。“杭州人怎么那么有钱,动不动就全款付清的?”王女士深深感慨并疑惑。

事实上,真的如此吗?

钱江晚报记者经过调查发现,“全款付清”的购房者中,除了拆迁户、卖掉一套房子凑钱的购房者外,还有不少选择“房抵贷”的方式,也就是将手头的房子抵押给银行,再把贷来的钱用来凑齐全款,购买新房。

这样既能通过一次性付款买到房子,又能使用银行杠杆。这是时下全款买房的其中一个秘诀。

01

换一种贷款方式

买到房的几率大增

“我可以出七成首付,但还是买不到心仪的房子,开发商告诉我说必须要全款才能买得到,其他客户都是这种情况。”

和王女士的遭遇一样,吴先生告诉记者,他将购房目标锁定在钱江世纪城板块和城东的几个楼盘,询问下来,几乎都要求购房者能一次性付清房款。

吴先生表示很困惑:“都知道房子好卖,要抢,但是哪来那么多可以付清全款的人。”他告诉记者,看中的房子总价接近500万元,他手头的现金还有100多万元的缺口,没法全款付清,必须跟银行按揭。但开发商表示现在银行按揭款回款很慢,所以一次性付款的购房者优先。

吴先生感到很失落,以为自己买不到房子了。

但前不久,他经过一位从事金融业的朋友点拨,顿时茅塞顿开。

“我现在住的房子没有贷款,朋友让我去把房子抵押贷款,贷出来的钱不就可以凑齐全款了?他说投资买房子的人很多都是这么干的。我太笨了,怎么自己没想到这个办法呢?”

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