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The "zero down payment" policy for home purchases has recently sparked heated discussions. The risks hidden behind this seemingly "no threshold" way of buying a home have attracted the attention of relevant government departments. Recently, governments in many places have issued warning documents to remind homebuyers to look at the "zero down payment" policy rationally and to act according to their actual situation.

“Zero down payment” is back

Recently, "zero down payment" has re-emerged as a way of buying a house. On some social media platforms, real estate agents in many cities have posted posts in the voice of homebuyers, such as "I bought my first house with zero down payment" and "Zero down payment saved my life" to attract traffic.

The poster said: "It is not easy to buy a house in Guangzhou. The good ones are too expensive, the cheap ones are too remote, and I still owe 30 million. After my unremitting efforts, I got into the real estate industry and finally found a house with a good location and appreciation. The most important thing is that my debt was offset, and there is no down payment..."

Another poster from Wuhan said, "The original house cost 800,000 yuan, and the usual 15% down payment required 120,000 yuan. But my friend was short of money and had no money at all. The agent revealed a surprise - the house could be loaned up to 1 million yuan, and the landlord would return the extra money."