Zero down payment buyers must meet the national loan standards. If there are new changes in housing policies or changes in mortgage interest rates after one year, these are the risks that buyers need to bear. In particular, the loan conditions of property buyers are not recognized by banks, and whether developers will refund the paid purchase money. This is also a risk that buyers need to consider. What are the potential risks of this phenomenon? The practice of buying a house with zero down payment and low down payment is strictly suspected of fraudulent loans. All or most of the purchase funds are loans, which will also bring unprecedented repayment pressure to buyers. "No matter how long the repayment time is, it will be repaid after all. The time cost is not low, and it is easy to affect personal credit." Buying a house with a loan to pay the down payment violates the clear housing credit policy of the central bank and the China Banking Regulatory Commission that "consumer loans should not be used for buying a house", and the high handling fee and interest will bring a heavy burden. In other words, a zero down payment cannot be equated with a free loan. As we all know, the annual interest rate converted from the handling fee of credit card loans will be higher than the general consumer loan interest rate, which is not cost-effective. If developers cooperate with small loan companies to provide loans to pay down payment, borrowers will face higher interest.