“0首付”“最高送1公斤黄金”？开发商花式营销蹭热度 购房者应谨慎！

Core Viewpoint - Developers are implementing various promotional strategies, such as "buy a house and receive gold," to accelerate sales in the fourth quarter, reflecting a response to a sluggish real estate market [1][3]. Promotional Strategies - In Shenzhen, a developer is offering a promotion where purchasing a property worth 4 million yuan includes a gift of gold valued at 570,000 yuan, effectively increasing the contract price to 4.57 million yuan [3]. - The promotion is perceived as a way to provide buyers with immediate cash value through gold, despite concerns about the authenticity of such offers and potential delays in gold delivery due to rising prices [3]. - Other developers are advertising low down payment options, including "0.5% down payment" and even "zero down payment," which involve third-party financing arrangements that resemble down payment loans [3][4]. Market Analysis - According to industry experts, low down payment offers typically arise during market downturns, with developers likely to partner with third-party financial institutions for financing due to their own cash constraints [4]. - There are concerns that these practices may lead to financial irregularities and violate housing credit policies, potentially resulting in mortgage defaults [4]. - Some industry insiders suggest that instead of relying on promotional gimmicks, developers should focus on delivering quality products and improving service to meet the evolving demands of buyers [4]. Market Outlook - The China Index Academy anticipates that the real estate market will maintain a loose policy stance in the short term, aiming to stabilize and support new home supply in core cities, although market differentiation is expected to continue [5].