Do you feel the coldness of the property market?

Under the pressure of downward housing prices, since November, many places have successively issued “restriction orders” for housing prices. After the fair price cut was “restricted”, real estate companies came up with new tricks, and “fractured” workers have sprung up.

Can people who buy houses miss out in this game? Data map: real estate. Photo by Luo Yunfei

Data map: real estate. Photo by Luo Yunfei

“The city is full of workers and houses”

Recently, keywords such as “workers and houses” and “internal housing” are crowded with real estate Intermediary’s circle of friends. Gongdaofang not only frequently appeared in second- and third-tier cities, but also appeared in first- and new-tier cities such as Guangzhou, Chengdu, and Nanjing. According to media statistics, Guangzhou has recently launched more than a dozen real estate projects, covering projects from the suburbs to the main urban area.

“Work-paid housing” refers to the project-paid housing, which is a method used by developers to deduct the project payment for the project. What the project side needs is not a house but capital. Therefore, after obtaining the mortgaged house, they will often choose to sell them quickly at a discount and reduce the price in order to withdraw the funds.

“Working in a house is nothing new, it has always been there before. It’s just that the houses have been selling very well in the past few years, the liquidity is abundant, and the developers are naturally not short of money. They won’t use the house to pay for the account. Recently the market is not good, and the developer can’t afford to pay for it, so they have to use the work-to-house method again.” Chen Ying (pseudonym), head of a real estate agency in a second-tier provincial capital city, told Zhongxin net.

Chen Ying said that in the past, because the real estate was often cheaper by tens of thousands or hundreds of thousands, a large number of price cuts would affect the overall price of the real estate. This is the developer’s reluctance. I see it, so I will make some restrictions, such as temporarily not granting records, not granting loans, etc. Higher payment terms will also be set, and the payment time will be tighter. There are often only triple receipts when selling, which has certain risks.

However, the fall in housing prices has brought some changes to workers’ housing. Chen Ying said that she would try her best to reduce prices and promote salesBecome the main action of real estate enterprises in the near future. “One by one, it’s cheaper than anyone else, and the disks in some peripheral areas are sold directly at the land price.” This allows Chen Ying’s recently taken over not only for loans, but also for the transfer of real estate certificates quickly. .

“We sometimes ridicule that’the city is full of workers’ housing’. Chen Ying estimates that the current market price of workers’ housing can reach the average level in second-tier cities. The price of commercial housing is 30% to 80% off. The prices of third- and fourth-tier cities, especially those that are already relatively disadvantaged, are not rare.

However, behind these attractive conditions, there are many hidden dangers in the work-to-house. Data map: citizens passing by in front of a building. Photographed by China News Agency reporter Zhang Yun

Data map: citizens pass by in front of a building. Photo by China News Agency reporter Zhang Yun

Be alert! The “two faces” of workers in the house

Ms. Huang, a house buyer in a third-tier city, almost suffered from the loss of workers in the house recently.

“In September, through an intermediary, I ordered a work-in-house from the boss of the project. The total price was not high, and it was almost 100,000 yuan cheaper. . At that time, I promised that I would sign the contract directly with the sales department, and I signed the subscription form and paid a 40% down payment.” Ms. Huang told Chinanews.com.

Ms. Huang is anxious to sign the contract to get the real estate certificate and mortgage as soon as possible, but the sales office has been using various excuses to delay. After waiting for more than a month, Ms. Huang found out after inquiries from the Housing Management Bureau that the property was already under mortgage and could not be traded unless it was released, so the sales office could not sign the contract.

Ms. Huang, who was deceived by the sales department and the engineering boss, was very entangled in whether to check out. Fortunately, after calling the mayor’s hotline a few days ago, the developer changed his attitude Proactively deal with it and promise to sign a contract to do a mortgage within 15 days.

“To confirm whether the worker’s housing is mortgaged, the key point is the project mortgage agreement, real estate pre-sale certificate and other relevant documents. If conditions permit, it is best to go to the relevant real estate department to verify . If the developer pushes three barriers, he must be careful about the houseThe house has probably been mortgaged. “Chen Ying said.

In addition, based on past experience, there may be cases in which the transfer of the house cannot be transferred due to lack of relevant department inspections, and the project party has signed a contract with the developer. The risks of buying a house contract and filing, signing the wrong contract subject, etc., all require buyers to be more careful.

In terms of service, there is no difference from the normal sale of commercial houses. To avoid such problems, developers should be required to provide complete house selling procedures and achieve “complete five certificates.” In addition, the most important thing is to identify developers, procedures, The contract, subscription, and money are best given directly to the developer. If it is a non-developer account, it must be managed by three parties. Data map: sales office.  Photograph by Zhang Yuhuan

Data map: Sales office. Zhang Yuhuan Photo

A “promotional room” wearing a “work-to-house” coat

Recently, workers-to-houses have blown out, except for developers’ cash flow pressure In addition to being relatively large, the other case is ordinary commercial houses for sale under the banner of work-to-house.

58 Anju Guest House Property Research Institute Branch Dean Zhang Bo pointed out that the products launched by some real estate companies are not necessarily “commercial housing”, but ordinary commercial housing for sale. In order to withdraw funds, prices must be adjusted, but they are afraid that the old owners will form a big rebound, so that they will also sell in the name of “workers and houses”, which is a disguised price reduction promotion.

Chen Ying also said that in this case, developers generally entrust promotional houses to local agents for sale. The sales offices are still at normal prices to avoid trouble. Special attention needs to be paid to the issue of property rights.

Recently, there have been a lot of rights protection actions by old owners on the Internet. A property owner in Shijiazhuang, Hebei reported that he bought a house at a unit price of 14,600 yuan in 2020. A few days ago, it was sold by a developer at a unit price of 11,000 yuan under the name of a worker’s house. More than 40 sets of 80 square meters were traded in 4 hours. It’s more than 200,000 yuan.

The old owners are wronged, and the developers are helpless. Chen Ying feels that this can only be said to be a compelling choice for real estate companies at difficult times.

Tongce The research institute pointed out that although the “restriction order” and other measures can stabilize the housing price at a certain level, the market is priceless, which makes it impossible for real estate companies to quickly withdraw funds through discounts and promotions.

Zhang Bo also said that in the fourth quarter, real estate companies’ demands for accelerating cash return have continued to increase. Although overall financing has shown signs of improvement, it will not change the industry’s difficulty in financing. This is also the case for real estate companies. The important reason for accelerating the pace of sales is to increase sales by reducing prices.

Are you willing to buy a house?