In the practice of mortgage, some houses are lower than the market price for other reasons, and banks cannot verify them in all directions. So there is a description of the topic. If the loan is used to buy a second-hand house, and the total price-loan = down payment, then under the condition that the total price remains unchanged, a low down payment will only lead to more loans, while for the purchase of a second-hand house loan, bank loans are issued according to the evaluation value, so there are several situations in which the down payment is low:

1, the total house price is obviously lower than the market price. Assuming that the evaluation price is consistent with the market price, and a property with a value of 500,000 only sells for 400,000, then the bank only borrows 350,000 and the down payment is only 50,000.

2. High evaluation and high loans. Some employees of evaluation agencies and bank staff should cooperate with each other to evaluate the property originally worth only 400,000 to 500,000, which also caused the phenomenon of low down payment.

No matter what method is adopted, such a low down payment or zero down payment model is a kind of deception. Once there is a problem with customer repayment, it will easily lead to the loss of state-owned assets. We also call on relevant employees to abide by professional ethics.