The article states that anyone with a bit of financial knowledge knows that Banks do not issue personal housing loans with a down payment of "zero". The so-called "zero down payment" must involve obtaining the down payment from Other channels. Under the practice of third-party financing, homebuyers need to repay the funds to the financing party in installments and pay corresponding interest costs, handling fees, etc., with the interest costs being much higher than those of bank loans. Under the high loan scheme, due to the artificially inflated price in the purchase contract, homebuyers will inevitably bear more taxes and fees, and also have to pay various service charges to Institutions. (Economic Daily)