How to raise a down payment of 100,000? The most popular methods of raising money on the Internet revealed
Recently, "How to collect a down payment of 100,000" has become a hot topic on social platforms, especially for those who just need to buy a house. The following is a money-raising strategy compiled based on popular discussions on the Internet in the past 10 days to help you quickly raise a down payment.
1. Analysis of popular fundraising channels
| channel | Applicable people | Advantages and Disadvantages | Recommended amount (yuan) |
|---|---|---|---|
| Provident fund withdrawal | Employees with stable jobs | Interest rates are low, but the amount is limited | 30,000-80,000 |
| Loan from friends and family | People with good interpersonal relationships | No interest pressure, need to maintain favors | 20,000-50,000 |
| credit loan | Those with good credit | Quick loan, higher interest rate | 10,000-100,000 |
| Part-time job/Side job | Time flexible person | Sustainable income, short-term results are slow | 5,000-30,000/month |
2. Fund-raising techniques that have been hotly discussed recently
1."Change Money Management" Method: Netizens shared that they can save more than 20,000 yuan in one year through forced savings through tools such as Alipay’s “Bibizan” and WeChat’s “Lingqiantong”.
2.“Second-hand cashing” trend: Xianyu data shows that the volume of products with "urgent sale" labels has increased by 30% in the past 10 days, with mobile phones, home appliances, etc. being the fastest monetizing.
3.policy dividends: Many places have launched “house purchase subsidies”. For example, the maximum subsidy for house purchase for talents in Changsha is 100,000. You need to pay attention to the notice of the local Housing and Urban-Rural Development Bureau.
3. Phased fund raising plan (take 3 months as an example)
| stage | target amount | execution strategy |
|---|---|---|
| 1st month | 30,000 | Withdraw provident fund + sideline income |
| month 2 | 50,000 | Credit loan + loan from relatives and friends |
| 3rd month | 20,000 | Second-hand cash-out + cost-saving savings |
4. Risk warning
1. Avoid "supporting loans with loans". The comprehensive annualized interest rate of credit loans should not exceed 8%.
2. Be wary of the “down payment loan” trap. Illegal operations by some intermediaries may affect mortgage approval.
3. It is recommended to keep 3-6 months of monthly payments as emergency funds to prevent the risk of supply interruption.
Conclusion:To collect the down payment, you need to choose compliance channels based on your own situation. In the near future, you can focus on local government subsidy policies and bank low-interest loan products. With reasonable planning + multiple channels in parallel, the 100,000 goal is not out of reach!
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