It is usually impossible to buy a house in full with a bank loan. According to the current national policy, buying a house generally requires a down payment of 30%. Because of the high risk, banks will not fully lend, and will consider it according to the income situation. In order to attract customers, some developers have introduced zero down payment. Zero down payment actually means that the buyer does not pay or pays less down payment, and the seller gives the buyer a certain time to raise funds or apply for a mortgage loan. The amount of bank loans applied for usually does not exceed the difference between the total house price and the down payment. The down payment ratio can be slightly adjusted according to the real estate market situation. It is recommended that buyers understand the relevant bank mortgage policies before making a choice.

At present, many buildings are sold in the early stage of construction, because of the favorable price and large choice, but there are many unstable factors in the auction. If one-time payment is selected, the seller will ask the buyer to pay the house price in the pre-sale stage and sign a contract for the sale of commercial housing.