How to buy a house for 0 yuan

Title: How to buy a house for 0 yuan? Revealing the hot topics and practical guides on the Internet in the past 10 days

Recently, "buying a house for zero yuan" has become a hot topic on social platforms and in the financial field. Many netizens share the "magic operation" of buying a house at low or even zero cost. This article will combine the hot content of the entire network in the past 10 days, dismantle the logic behind this phenomenon, and provide structured data and practical methods.

1. Data inventory of hot topics in the past 10 days

2. Four core ways to achieve zero-yuan home purchase

1. Policy-based 0 yuan purchase: shared property housing

For jointly owned houses launched in cities such as Beijing and Shanghai, individuals only need to pay a minimum of 50%-70% of the house price to obtain the right to use them. For example: In a project in Chaoyang District, Beijing, after buyers pay 55% of the house price, the remaining property rights are held by the government.

2. Financial leverage plan: down payment loan + rent to offset monthly payment

3. Asset replacement strategy: second-hand houses with high ratings and high loans

By setting the bank's appraisal price higher than the actual transaction price, zero down payment can be achieved in some cases. Key data: In Q2 of 2023, the assessed prices in second- and third-tier cities will increase by an average of 15%-25%.

4. Special channel plan: foreclosure + debt restructuring

Please pay attention to the recently hotly discussed "leakage in foreclosure auction houses":

3. Risk Prevention Guide

1.legal risks: Some "0 down payment" people are suspected of loan fraud and may be sentenced to up to 3 years in prison.
2.financial risk: Rental returns that are less than expected will lead to a break in the capital chain
3.policy risk: From August 2023, many places will strictly investigate the illegal entry of business loans into the property market.

4. Practical suggestions

1. Prioritize legal channels such as shared ownership housing
2. Calculate the true cost of funds: including hidden interest, taxes, etc.
3. Suggested solution:50% policy housing + 30% financial leverage + 20% asset replacementcombination strategy

Note: The statistical period of the data in this article is from August 1 to August 10, 2023. The specific policies are subject to the latest local regulations. The essence of zero-dollar home buying is the transfer of the time value of funds, and personal solvency needs to be carefully assessed.