方圆云山诗意首付1成起、越湖家天下首付6万起、雅戈尔(600177,股吧)太阳城首付8万起，而一些楼盘尽管未明确点名为首付，但去类似文字游戏，专打“低首付”的擦边球，如首开班芙春天首款7万起、普罗旺斯首款5万起……据365编辑了解，目前苏州楼市首付最低至5万。

Fangyuan yunshan down into the poetic 1、The lake GuTianXia down since 60000、youngor(600177,Shares it)Sun city since 80000 down，And despite some buildings are not clearly calling down，But to similar words，Designed a“Down low”Outside of，As the first opening fu spring 70000 up first、Provence first since 50000...According to 365 edit understanding，Current suzhou lowest to the 50000 down property market。

　　随着二次降息的到来，购房者的置业成本的明显降低，低成本置业对于购房者来说是最具诱惑力的。因此低首付也正好减轻了置业压力，此举大受欢迎。首开班芙春天专案经理王志华先生表示，“此推出首款7万起的活动后，很多原本有意向但是资金压力较大的购房者则纷纷行动了，不再等了。因为首款只需付7万后，其余的部分资金是开发商垫付的，购房者只需要在一定时间内结清便可以了。从而让购房者有足够的时间去凑钱，减轻了购房者的压力。目前首开班芙春天的整体成交量也是不错的，去化挺快的。”

With the arrival of the second cut interest rates，The cost of the person that buy a house home is decreased obviously，Low cost home buyers for the person that buy a house is the most enticing。So low down just alleviate the pressure home buyers，The move is very popular。The first opening fu spring WangZhiHua AD manager Mr Said，“The launch of the first since 70000, after the activity，Many had intention but the funds of the person that buy a house is large pressure in action，Wait no longer。First, because just pay after 70000，The rest of the money is on behalf of the owner of the developers，The person that buy a house need only in a certain period can then settlement。Thus let homebuyers have enough time to chip in，Reduce the pressure of the person that buy a house。At present the first opening fu spring overall volume also is pretty good，To change quick。”

　　除了已经在售的项目运用“低首付”外，还处于预约阶段的楼盘也运“低首付”提升人气，积极蓄水。位于吴中区的越湖家天下三期香舍便在其广告上打出“首付6万起”，而365编辑从现场看到，越湖家天下三期香舍预约十分火爆，每天平均到访越湖家天下三期香舍售楼处的购房者有近50多组。

In addition to have sold in the use of the project“Down low”outside，Also in the appointment of the stage buidings luck“Down low”Improve the popularity，Positive water storage。Wuzhong district is located in the lake GuTianXia 3 period in its xiangsheli will run ads“Down since 60000”，And 365 editor from site to see，The lake GuTianXia 3 period xiangsheli appointment is very hot，The average daily visit lake GuTianXia 3 period xiangsheli sales offices of the person that buy a house nearly more than 50 group。

低首付获部分购房者认可 双重还贷压力或将存在 The part of the person that buy a house low down by double pressure or will be borrowed

　　目前国家规定无论是办理商业贷款还是公积金贷款或是组合贷款，需要支付总价3成的首付。而对于购房者来说，若以100万的房价计算，首付3成则需要30万，而对于一般的购房者来说，此资金压力十分之大。随着低首付的推出，购房着的前期支付的资金压力可以减轻，而低首付存在于苏州楼市绝大部分形式为首付分期，如首付5万起。

At present the country provisions for commercial loan or whether accumulation fund loan or loan portfolio，The need to pay of total prices down。And to the person that buy a house is，If the 1 million house prices calculation，3 we would need 300000 down into，But for the average for the person that buy a house，The financial pressure big ten points。With the launch of low down，The pay of the purchase money can reduce pressure，And low down exists in suzhou property market for most of the form down staging，Such as low since 50000。

　　首付分期，即前期购房者时，购房者只需支付很小一部分首期款，剩余部分则由开发商无偿垫付，购房者只需在规定期限内还清开发商垫付资金即可。

Down stage，That is when the buyers，The person that buy a house just pay a small portion of the down payment，Remaining part by developers or free，The person that buy a house just within prescribed time limit or pay off developers funds can。

　　“低首付”的出现，对于购房者来说的确大大降息了购房门槛，并为他们带来了缓冲的时间，因此部分购房者十分认可，但也有一部分购房者却存在一定的疑问。

“Down low”appear，For the person that buy a house is indeed greatly cut the purchase threshold，And they brought the buffer for the time，So part of the person that buy a house is recognized，But there are also part of the person that buy a house, there are certain questions。

　　网友“大妮妮“表示，”低首付的确是很吸引人，但是不是会诱使一些积蓄并不多的购房者提早加入到"房奴"行列中，而这些购房者在还贷时，会面临更大的资金压力。这些购房者在还贷时，由于前期背负着双重还款压力，导致不少购房者后期面临巨大资金压力，甚至一些购房者还会出现断供的隐患。

the“Big nini“said，”Low down it is very attractive，But not induce some savings of the person that buy a house is not much early to join"Mortgage slave"Ranks of，And these homebuyers in the loan payments，They will become more financial pressure。When the person that buy a house in the loan payments，Because the carried the double reimbursement pressure，Many homeowners facing huge in the late financial pressure，Even some homeowners still appear break for hidden trouble。

　　“的确，在负担银行贷款的同时还要还首付给开发商，低首付带来的高月供也并没有想象中的轻松。对于偿债能力不足的购房者而言，低首付很有可能会从“馅饼”变成“陷阱”。

“indeed，In the burden of bank loans even at the same time also first pay developers，Low down the GaoYue bring for also have no imagination of relaxed。For the lack of liquidity in the person that buy a house，Low down will likely from“pie”into“trap”。购房者对于低首付应理性思考 The person that buy a house for low down should be rational thinking

业内：低首付有望再拉库存 买房仍需谨慎 the：Low down is expected to again pull inventory to buy a house still be careful

　　低首付之风曾在2009年盛行楼市，但由于这种拆分首付的做法将加大购房者后期还款压力下，黯然退场，但随着苏州楼市在限购、限贷的调控政策的重压下，房企为了刺激购房者的购买欲，“低首付“重出江湖。

Low down wind was in 2009 in the sector，But because this is the practice of split down will increase the person that buy a house payments under the late pressure，Dim and exits，But as 限购 property in suzhou、Credit limit of adjustment and control policies under pressure，Room enterprises in order to stimulate the person that buy a house to buy of，“Down low“Sylvester stallone。

　　而对于“低首付“的双面影响，同策咨询与研究分析中心宋红卫先生表示，”现在现在一些楼盘推出的低首付，的确降低了购房的准入门槛，而这对于购房者来说的确是一个很大的诱惑以及刺激，因此对于房企来说对于其销售量的提高有一定的作用，但这一巨大诱惑往往容易让一些消费者冲动购房。”

And for“Down low“Dual influence，Strategy consulting and research analysis with Mr. SongGongWei center said，”Now some of the buildings now launched low down，Indeed reduce the purchase of admittance threshold，And this for the person that buy a house is really is a big temptation and stimulation，So for room for its sales enterprises improve has certain effect，But such a huge temptation to some consumers tend to impulse the house。”

　　宋经理表示，“购房者之所以选择贷款，就说明一开始资金就不足。但如果本身资金就只够开发商所提出的再次分期的首款之时，一旦将来收入减少或出现不可预期的情况，就很难承担月供及还首付款的双重压力，甚至因无力还贷而被银行"收房"。因此，在面对开发商低首付诱惑时，消费者应三思而行，避免因一时冲动而背负上沉重的还贷负担。”（HOUSE365 沈佩）

Song manager said，“The person that buy a house was the choice of loans，That money is not a start。But if itself only enough developers funds put forward by the first installment of again，Once the future income decrease or appear unexpected situation，It is difficult to bear the month for the head and also the double pressure，Even for over-indebted and by the bank"Receive room"。so，In the face of developers low down temptation，Consumers should think twice，Avoid impulse and carried in a heavy burden on loan payments。”（HOUSE365 ShenPei）