1, down payment installment:

In order to attract tourists, some developers will launch down payment staging activities. The down payment installment means that the purchaser pays part of the down payment according to a certain proportion and signs a loan contract, and then makes up the remaining down payment within the time stipulated in the contract. The down payment paid by the developer is interest-free, and the customer only needs to sign the relevant contract with the developer, stipulating the installment repayment time and related liability for breach of contract.

2, clever use of provident fund

Provident funds can be withdrawn. However, it should be noted that the provident fund cannot be directly used for the down payment. Property buyers should pay the down payment first, and then take the purchase contract and invoice to withdraw the balance of the provident fund. The pressure is relatively high.

2. Borrow from relatives, friends and lending institutions

1. Reasonable application for credit loan:

Applying for a credit loan is also a good way to make up the down payment. If an individual has a stable job and good credit, he can apply for a credit loan to make up for the lack of down payment. With the development of the financial industry in recent years, the bank's credit loan business has been carried out very well, and the application difficulty has been much smaller.

Step 2 use a credit card

If the down payment gap between buyers is small and can be made up in a short time, you can pay the down payment by credit card. However, it is suggested to consult the bank first whether it can do this, so as not to be judged as cashing out by the bank.

3. Apply for a "wage loan"

If you are a civil servant, have policy care, and have a "salary loan" for civil servants, then you may be able to raise funds through loans, provided that you are a civil servant, and both institutions and personnel in the establishment can apply. In addition to institutions and staff, some enterprises also have similar benefits.

4. Borrow money from friends and relatives

This is the most common method. If you are lucky and your parents save money, you can consider asking your parents for support or asking relatives to help you. This way can be returned anytime and anywhere. However, buyers must also remember that it is not difficult to borrow again, no matter how much the loan amount is, it must be within their own affordability.

Three. Liquidation of household goods and wealth management products

1, resale of valuables

Buyers who have used cars, houses or other valuables at home may want to sell them. Generally speaking, unless the gap is relatively large, this method may be adopted. This cashback method is still relatively long. If it is really necessary to use this method, it is necessary to find a good seller before buying a house. Buyers should not only reduce unnecessary expenses, but also try their best to see if they can make more money.

2. Through policy loans

If you buy commercial insurance, it is also feasible to borrow money through the policy. Many insurance companies' policies can be used for loans, but there will be certain risks and amount restrictions, provided that the insurance companies are consulted and asked clearly.

3. Liquidation of other loans

Mortgage loan, credit loan, consumer loan, etc. It is also a common way, but it applies to short-term loans and small loans, because buyers have to bear two loans. If the repayment period is too long and the amount is too large, the repayment pressure may be even greater.

4. Securities liquidation:

If you buy funds, stocks, etc. On weekdays, you may want to realize these securities to offset the down payment at this time. Although you may lose some income by rushing to cash in, it is the only way to 1 when you can't borrow money.

5. Use of collateral mortgage loan:

If you have other fixed assets, you can get a loan by mortgaging your other fixed assets, and then use the loan to pay the down payment of the house. But be careful not to borrow too much money, so as not to cause too much debt, so that the house can not apply for mortgage repayment.

Increase the down payment and reduce the down payment ratio through various methods, but this method is suitable for people with higher income, because after buying a house, not only the mortgage, but also the credit loan and later repayment are required. Bian Xiao suggested that if buyers really feel that the house price exceeds the budget and the down payment is not enough, they can consider re-planning to buy a smaller house, or a smaller place, or look at other properties. You don't need a suite and a family. The quality of life is greatly reduced.