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with encouragement from government departments, publicity from developers and hype from the media, various "zero down payment" plans have emerged one after another, making the "dream" of homebuyers clearer. however, there are huge problems hidden behind this.
mr. tian, a homebuyer with "zero down payment", is stuck in this quagmire. he longs to own a house, but the reality makes him distressed. the temptation of "zero down payment" makes him act impulsively, ignoring the subsequent repayment pressure, which eventually leads to the risk of default.
as the "auditor" of lending institutions, banks seem to be in a psychedelic dream. they will check loan qualifications and collateral conditions, but the way of auditing house prices seems vague, as if they are in an imaginary vegetable market. who will judge the authenticity of the price?
zhao xiuchi, vice president of the real estate law society, pointed out that banks must review the value of houses because mortgages are secured by houses. when evaluating, they usually refer to market prices, housing prices in the surrounding area, and other indicators, and take into account factors such as the structure of the house.
however, these "safety" measures cannot completely protect against the risks brought by "zero down payment" by home buyers. banks need to adopt more rigorous audit methods, such as verifying the authenticity of the source of down payment through bank flow verification, interviews and visits, in order to truly protect the safety and interests of funds.
from the perspective of overall financial security, the money that banks lend to homebuyers is the money of ordinary people. if the money cannot be recovered, it will ultimately damage the interests of depositors. this is not only a loss for the bank, but also a risk faced by everyone.
